- Personal Banking
- Business Banking
- Loan Center
- Investor Relations
- About Us
Biography - As a reverse mortgage loan officer I address the needs of seniors. The needs aren't merely financial but real life issues such as securing independence for a senior. Independence comes from affording in-home care, paying off a mortgage or something more enjoyable, like traveling.
Selecting the right reverse mortgage product requires an understanding of the borrower's needs and the products. I'll explain all the options. Each borrower deserves the time and attention it takes to select the right product and help the borrower to feel comfortable with the choice. I take pride in working with the borrower to match the right product to the senior's needs.
I work with all the parties as required. If there is a Power of Attorney, or professionals such as lawyers, accountants or financial planners, I have extensive experience with those partners.
For the past 10 years I've worked exclusively with reverse mortgages for seniors. In that time I've received the bank award for excellence for reverse mortgages and I've served as an expert witness in a court case. I have degrees in psychology and ergonomics, also called human factors. I've taken applications from Florida to Connecticut, but I can serve all 50 states.
Margaret S. Harkness
Biography - I have been a mortgage banker for 24 years, specializing in reverse mortgages for the past 6 years. It has been my honor and privilege to help homeowners who are over 62 years old to leverage the equity they have built up in their home in order to enjoy a more comfortable retirement. It is rare to hear someone say they love their vocation...but I do.
As a reverse mortgage consultant I educate senior homeowners and their families as to the range of uses of a reverse mortgage and help them understand specifically how reverse mortgages can be used to achieve their goals. While the reverse mortgages themselves may seem simple, it takes someone who has worked extensively in the industry to steer the loan through processing while meeting the significant FHA mandated guidelines.
My primary focus is the NJ/NY/CT tri-state area, but I can write reverse mortgages in all 50 states. I am happy to answer any questions whenever you call me and I provide in home consultations within the tri-state area should you wish.
1st Constitution Bancorp Announces Stock Repurchase Program
Click Here to Download
1st Constitution Bancorp Announces Full Year and Fourth Quarter 2015
Click Here to Download