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"Poetry is the impish attempt to paint the color of the wind." ~Maxwell Bodenheim

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Today's Community Review:

February 23, 2021

On Top of the World, Ocala, Florida

In north central Florida, Ocala is home to On Top of the World, a large, established 55+ development with colorful single family homes, three golf courses, a lifelong learning program, a town square, dog parks, tennis courts, swimming pools, an RC airfield and much more.

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Previous Daily Reviews (More Below):

The Retreat at Sterling on the Lake, Flowery Branch, Georgia

Outside of Atlanta, Flowery Branch is the setting for The Retreat at Sterling on the Lake, a stylish new 55+ neighborhood within a larger lakeside development. Single family homes are for sale, and amenities include a lakeside clubhouse, a village center, a zero-entry pool, a boat dock, a movie theater and much more.

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Best Mortgage Lenders

Homeowners approaching retirement often have enough equity to sell their current home and buy a less expensive one outright. Some people, though, want to keep the cash from their home sale and finance a new home, while others might need a small or short-term mortgage to cover the gap between their available cash and a home's purchase price. If you do need a mortgage, it is important to choose the right one. Here are three of the best lenders.

Better Mortgage - According to Nerd Wallet, this mortgage company charges no commission fees and has no application, underwriting or origination fees. They also close most loans within 21 days, two times faster than the national average.

Quicken Loans - This mortgage company has a five star rating in the 2019 J.D. Power U.S. Primary Mortgage Origination Satisfaction Study and an A+ rating with the BBB. Quicken Loans has processed more than two million mortgages.

Vylla Loan - This mortgage lender has multiple loan programs for people with less than steller credit and considers alternative credit data, such as bank statements and rent payments.

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Boca Pointe, Boca Raton, Florida

On Florida's southeastern coast, stylish Boca Raton is the setting for lovely Boca Pointe, a large, verdant community with villages, a retail center, a golf course, tennis courts, swimming pools, a lifelong learning program and a wide variety of home styles and prices.

CantaMia at Estrella, Goodyear, Arizona

Outside of Phoenix in southern Arizona, Goodyear is the setting for CantaMia, a large, gated 55+ neighborhood within the larger community of Estrella. Single family homes are for sale, and amenities include a village center, a cafe, a library, a golf course, parks, lakes, an activities director and more.

Cascades at St. Lucie West, Port St. Lucie, Florida

On the southeastern Florida coast, Port St. Lucie is the site of Cascades, a settled 55+ neighborhood within the larger, all ages community of St. Lucie West. Mediterranean-style single family homes are for sale, and amenities include a nine hole golf course, a large clubhouse, an outdoor swimming pool, a manned entry gate, tennis courts and more.

Swansgate, Greenville, South Carolina

Greenville is a shopping and dining hub in northwestern South Carolina and is the setting for Swansgate, a cozy, gated 55+ community with patio homes and condominiums. The wooded grounds contain two streams and a gazebo. Residents enjoy a clubhouse, a swimming pool, walking paths and more.

Lake Tansi, Crossville, Tennessee

On the Cumberland Plateau in rolling East Tennessee, Crossville is the site of Lake Tansi Village Resort, a large lakeside community with a marina, a beach, a church, a recreation center, numerous restaurants, a golf course, single family homes, town homes and a good selection of prices. Many residents are baby boomers and retirees.

Ovation at Mountain Falls, Pahrump, Nevada

Pahrump is in southern Nevada, about 90 minutes west of Las Vegas, and is the location of Ovation at Mountain Falls, a new 55+ neighborhood within a larger development. It has handsome single family homes, a recreation center, a golf club, a golf course, a swimming pools, walking trails and more.

Heritage Pines, Hudson, Florida

Hudson is on Florida's Gulf Coast and is the location of Heritage Pines, a gated 55+ community with pastel-colored homes, a golf course, conservation areas, a bounty of clubs, an activities director and more.

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Communities by State

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How to Qualify for a Reverse Mortgage

All borrowers must be at least 62 years old. The older you are, the more funds you can receive from a reverse mortgage.

You must live in your home as your primary residence for the length of the reverse mortgage. You must own your home outright or have at least 50% equity.

You must meet with a HUD-approved reverse mortgage counselor prior to applying for a reverse mortgage to learn exactly how a reverse mortgage works and how much it costs (fees, etc.). The counseling session is to ensure that the borrow completely understands how a reverse mortgage works.

Single family homes, manufactured homes built after 1976, condominiums that are FHA-approved and town homes are all eligible for a reverse mortgage.

You must show the financial ability to meet your loan obligations, including paying property taxes, insurance and HOA fees if applicable. You must also maintain the home.

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