How a Reverse Mortgage Works

lo param: mike-carey
row found: (HubDbTableRowMapFacadeImpl: {airtable_id=1086, branch_slug=orange-beach, branch_slug_last_seen=orange-beach, branches=Orange Beach, AL, email=mcarey@lower.com, encompass_username=mcarey, exp_reviews={"overview":{"avg_score":"4.99","total_review_count":65,"five_star_count":64},"reviews":[{"reviewer_name":"Todd Allen Nafziger","reviewer_location":"Orange Beach, AL","rating":"5.0","review_body":"communication was very good.","post_date":"2026-11-04T03:40:54.000Z"},{"reviewer_name":"Luciana Potter ","reviewer_location":"null, null","rating":"5.0","review_body":"Easy to work with and made me feel as though I was their only client. Always available and responsive.","post_date":"2026-09-25T13:11:53.000Z"},{"reviewer_name":"Luciana Potter","reviewer_location":"Orange Beach, AL","rating":"5.0","review_body":"Mike was alwaus available and always very honest and helpful","post_date":"2026-09-25T13:10:52.000Z"},{"reviewer_name":"Alex Scott ","reviewer_location":"null, null","rating":"5.0","review_body":"⭐⭐⭐⭐⭐\nMike and his team were absolutely amazing to work with! Communication throughout the entire process was excellent. They kept both me, as the Realtor®, and our buyer informed every step of the way and were always incredibly quick to respond whenever we had questions.\n\nThis was a first-time homebuyer, and they did such a great job explaining the process, answering questions, and making everything feel easy and manageable for her. We made it to the closing table smoothly, with low fees and no unexpected hiccups!\n\nI truly appreciate lenders who communicate well and take care of their clients from start to finish. I would absolutely recommend Mike and his team and look forward to working with them again!","post_date":"2026-09-15T19:41:15.000Z"},{"reviewer_name":"Erika L Gaura","reviewer_location":"Foley, AL","rating":"5.0","review_body":"Mike was extremely knowledgeable, very helpful and given it was my first home purchase via a private sale he made sure to answer any and all questions promptly while keeping me up to date on status and any next steps. Highly recommend!","post_date":"2026-09-14T10:19:34.000Z"},{"reviewer_name":"Bobbi Hughes ","reviewer_location":"null, null","rating":"5.0","review_body":null,"post_date":"2026-09-13T04:14:05.000Z"},{"reviewer_name":"Bobbi Hughes","reviewer_location":"Theodore, AL","rating":"5.0","review_body":"-----------","post_date":"2026-09-13T04:13:53.000Z"},{"reviewer_name":"Alexandra Giles ","reviewer_location":"null, null","rating":"5.0","review_body":null,"post_date":"2026-09-10T11:55:58.000Z"},{"reviewer_name":"KRIS JUSTIN GILES","reviewer_location":"Orange Beach, AL","rating":"5.0","review_body":"Mike was absolutely great to work with! He made the refinance process easy and stress-free, was very professional, responsive, and always took the time to answer my questions. I truly appreciate his help and highly recommend Mike to anyone looking for someone trustworthy and knowledgeable.","post_date":"2026-09-10T11:54:59.000Z"},{"reviewer_name":"James Duncan Ashley","reviewer_location":"Gulf Shores, AL","rating":"5.0","review_body":"Mike Carey\n\nThere really aren’t enough good things I can say about Mike Carey with MLJ Escrow. He worked with me for over FOUR YEARS to help me get to the finish line, and I truly don’t think I could have asked for a better person to have in my corner throughout the process.\nFrom the very beginning, Mike was patient, professional, encouraging, and always willing to go above and beyond for me. There were plenty of times throughout those 4 years when things weren’t simple or straightforward, but he never gave up on me. He continued answering my questions, walking me through everything, helping me figure out what needed to happen next, and reassuring me when the process felt overwhelming. He became a solid, true friend, not just a businessman doing a job. Each challenge or goal that was met, he was there. He never swayed.\nWhat meant the most to me was that I never felt like I was just another loan or another number. Mike genuinely cared about helping me and my family reach our goal. After working together for so long, finally making it to closing felt like a huge accomplishment, and I will always be grateful that Mike was the person who helped us get there. He always returned my calls, texts, and made sure I was never in the dark.\nIt’s easy to be helpful when everything goes perfectly. It says so much more about someone when they are still there, still working just as hard for you, and still encouraging you over four years later. That is exactly the kind of person Mike is. To add, there is no such thing as a dumb question, only complete respect and transparency when communicating with him.\nIf you are looking for a mortgage lender who is knowledgeable, dependable, patient, professional, and truly cares about the people he works with, I cannot recommend Mike Carey enough. Thank you, Mike, for sticking with me, believing we could make it happen, and going above and beyond for my family. I truly would not have been able to complete this process without Mike. Five stars doesn’t feel like enough! - James Ashley","post_date":"2026-09-02T16:14:27.000Z"}]}, first_name=Mike, foreign_id_branch=[{id=204609927546, name='orange-beach'}], foreign_id_branches_new=[{id=209924965711, name='Wharf Parkway F 208'}], foreign_id_team=[{id=207053468418, name='Orange Beach Team'}], hide_lo_directory=true, hs_child_table_id=0, hs_created_at=1768240536056, hs_created_by_user_id=83124684, hs_deleted_at=0, hs_id=204812827464, hs_initial_published_at=1768240536264, hs_is_edited=false, hs_path=mike-carey, hs_published_at=1794074588439, hs_updated_at=1794031238984, hs_updated_by_user_id=83124684, is_active=true, item_id_from_states=675f70e5183c17fac56bd61e, 675f70e2a93179f4bc0e50b8, 675f70e29a0b036384e895e1, last_name=Carey, licensed_city=Orange Beach, licensed_state=AL, licensed_street_address=4790 Wharf Parkway F-208, Office E, licensed_zip=36561, lo_bio=As a mortgage professional with over twenty years experience, I understand the lending guidelines and keep up with the constant change in the industry. In my 20+ years of mortgage lending, I have helped thousands of buyers throughout the country. My specialties include all areas of lending from first time home buyers to seasoned buyers. My priority to my customers is to find the right mortgage product that fits their short and long term goals. My mission is to provide the best service possible by setting proper expectations, advising my clients of all their options, and to communicate through the transaction. My clients are prepared to close and will have no surprises. To insure that my clients and partners have a smooth and stress free transaction, I systematically prepare both buyers and partners on what to expect at closing. It is important to me to make sure everyone is prepared to close. I want to make sure that all questions are answered and my service has exceeded the clients expectation. I work by referral only so it is important to me to earn my client and professional partners trust. My business is based on true partnerships that lead to a high degree of service and satisfaction. I look forward to serving your family., lo_experience=https://www.experience.com/reviews/mike-carey-449436, lo_linkedin=https://www.linkedin.com/in/mike-carey-247b7353/, lo_testimonial_01=Mike was absolutely amazing. 100% honest and open communication. Couldnt have asked for more. Will be referring to all family and friends. - Ryan C., lo_testimonial_02=Very efficient and caring. He always offered to help when needed. Mike is a true professional and is personable. It would be a pleasure to work with him again and will gladly recommend him to others. - Robert & Leah A., lo_testimonial_03=Mike and his team did a great job of communicating the process of getting a home loan. I would recommend Mike and his team to anyone wanting to purchase a home. They did an outstanding job. - Carl M., nmls=384158, phone_mobile=901-619-3665, private_labels=Lower, product_blocks=[{id=1, name='Reverse Mortgage', order=0, label='Reverse Mortgage'}], profile_pic_sq=https://v5.airtableusercontent.com/v3/u/59/59/1793743200000/HXKyfEVn9j6qu8Jd4khTfg/kLeFI-b6OBfvwjkspWQSiUVStWO2dy9f31GximUj4qhjALGHhb7DnK__JGB5nIu3-Bj45POV3-P0oBUMfkqEOcZgazRfOtbA7skuQI7UGgts9jJCrHdWJvq1gWnVN55CMeglgizcTjkVQ8q-NZlsUw/pGGTLEYhE5eJhbSCFlHsW0Zx118V2ZRxTk7n_By0V6E, profile_pic_sq_source_key=file:mike-carey.jpg:213270, profile_pic_sq_url=https://19577492.fs1.hubspotusercontent-na1.net/hubfs/19577492/airtable-imports/profile-pics/lo-mike-carey.jpg, publish_status=Published, qr_code_image=attoAvwFPABlaMqsA, signature_apply_link=https://mtgpro.co/dr/c/mj8v4, simple_nexus_link=https://mtgpro.co/dr/c/mj8v4, slug=mcarey, states=TN, AL, FL, team=Orange Beach Team, team_old=Lower - Orange Beach, teams_copy=orange-beach, title=Senior Loan Officer, webflow_id_from_branches_2=69650b35ca350f691da855f6, webflow_id_from_private_labels=68af612000947e8a31056cf2})