How a Reverse Mortgage Works

lo param: tom-pregano
row found: (HubDbTableRowMapFacadeImpl: {airtable_id=1320, branch_slug=macomb, branch_slug_last_seen=macomb, branches=Macomb, MI, email=tpregano@lower.com, employee_hire_date=2026-04-06, encompass_username=tpregano, exp_reviews={"overview":{"avg_score":"5.0","total_review_count":7,"five_star_count":7},"reviews":[{"reviewer_name":"Michellejf2473 null","reviewer_location":"North Street, MI","rating":"5.0","review_body":"Tom made the process for my son and daughter in law to get into their first home so easy and quick! We had a unique situation and he was able to help us figure it out. Highly recommend him and Lower mortgage! ","post_date":"2026-09-27T00:00:00.000Z"},{"reviewer_name":"Michelle B null","reviewer_location":"North Street, MI","rating":"5.0","review_body":"Tom at Lower mortgage was an absolute pleasure to work with! Being a first time home buyer, he kept me updated every step of the way and always answered my questions any time of the day! I have already recommended him to a few people! 100/10 stars! ","post_date":"2026-09-08T00:00:00.000Z"},{"reviewer_name":"Michael Arthur Wagner","reviewer_location":"Saint Clair Shores, MI","rating":"5.0","review_body":"Tom was always available and easy to contact when I needed him. Also, as a first time homebuyer, the process felt overwhelming at first. However, Tom made it as easy to understand and transparent as possible. I never felt lost in the woods or like I was waiting all day for replies. He made the closing extremely painless, too. I was expecting a far more exhausting day than I actually ended up having. I was glad that he showed up at the closing process to help me through it,. Overall, it was an excellent experience and I would highly recommend Tom.","post_date":"2026-06-19T21:56:21.000Z"},{"reviewer_name":"Mawagner9723 null","reviewer_location":"Saint Clair Shores, MI","rating":"5.0","review_body":"Tom was excellent from start to finish. Always immediate with responses. He also helped to make the closing process as quick and painless as possible. It felt like he was personally invested in helping me through the home buying process. Absolutely would recommend him to anyone. ","post_date":"2026-06-18T00:00:00.000Z"},{"reviewer_name":"Rachel Alsaiyad","reviewer_location":"Warren, MI","rating":"5.0","review_body":"Tom was there to answer any questions I had, kept me up-to-date on what my rates would be, and worked endlessly with me to ensure I secured a loan at the best possible rate for my new home!","post_date":"2026-06-16T15:49:35.000Z"},{"reviewer_name":"Kelly Lee null","reviewer_location":"Warren, MI","rating":"5.0","review_body":"I had a great experience working with Tom Pregano at Lower Mortgage. Throughout my transaction his communication was always clear and timely, which made the process feel smooth and much less stressful for everyone involved. He was professional, knowledgeable, and genuinely pleasant to work with from start to finish. I truly appreciated his responsiveness and teamwork, and I look forward to working together again in the future!","post_date":"2026-05-20T00:00:00.000Z"},{"reviewer_name":"Ashley Campbell","reviewer_location":"Brighton, MI","rating":"5.0","review_body":"As the headline says, Tom was great! As a first time homebuyer, I greatly appreciated his guidance. He was very timely with communication, always available to answer my questions. Highly recommend! ","post_date":"2026-05-20T00:00:00.000Z"}]}, first_name=Tom, foreign_id_branch=[{id=209810597202, name='macomb'}], foreign_id_branches_new=[{id=216883578395, name='20371 Hall Road'}], foreign_id_team=[{id=226130071173, name='null'}], hide_lo_directory=true, hs_child_table_id=0, hs_created_at=1775496514195, hs_created_by_user_id=83124684, hs_deleted_at=0, hs_id=210575537006, hs_initial_published_at=1775496514728, hs_is_edited=false, hs_path=tom-pregano, hs_published_at=1793512821528, hs_updated_at=1793512816533, hs_updated_by_user_id=83124684, is_active=true, item_id_from_states=675f70e3a93179f4bc0e516c, last_name=Pregano, licensed_city=Macomb Township, licensed_state=MI, licensed_street_address=20371 Hall Road, licensed_zip=48044, lo_bio=Tom Pregano is a Mortgage Loan Officer based in Michigan with a background in sales since 2014. He brings years of experience working with clients to understand their needs, build strong relationships, and guide them through important financial decisions. Tom focuses on helping homebuyers and homeowners navigate the mortgage process with clear communication and personalized support. Whether purchasing a home or exploring refinancing options, he works to provide solutions that align with each client’s goals. Known for his relationship-driven approach and commitment to service, Tom is dedicated to making the home financing experience as smooth and straightforward as possible for every client he works with., nmls=2445475, old_branch_slug=macomb, phone_mobile=(586) 260-4887, private_labels=Lower, product_blocks=[{id=1, name='Reverse Mortgage', order=0, label='Reverse Mortgage'}], profile_pic_sq=https://v5.airtableusercontent.com/v3/u/58/58/1793498400000/tP0NZ2__jKgfyPojltuQfg/AAdyPbcB91W23fFQOZhmfdc5j2Vs9P88BbDqsSAT2w4-NpMcND5HkWpsyJ5BitVERzT-V-q0h_1xqOOPn4CYfzyXNA7C_gNfa1bbqFlTOp5-63fyOzklwRkv9sPXtKG2b_mNzJ1tunAT_Ymyr0JYlA/6ZRZMpT3aCPdgAHAnlf1m00Y1jG5nETTFOunms9UTRA, profile_pic_sq_source_key=file:tom-pregano.jpg:172901, profile_pic_sq_url=https://19577492.fs1.hubspotusercontent-na1.net/hubfs/19577492/airtable-imports/profile-pics/lo-tom-pregano.jpg, publish_status=Published, signature_apply_link=https://mtgpro.co/dr/c/t2diz, simple_nexus_link=https://mtgpro.co/dr/c/t2diz, slug=tpregano, states=MI, team_old=Lower - Macomb, MI, teams_copy=macomb, title=Sr. Loan Officer, webflow_id_from_private_labels=68af612000947e8a31056cf2, youtube_video_link=})