Retire Right with Reverse Rob – Improving the way retirement is being done in this country! Rob has a desire to educate seniors, financial advisors and realtors on how the reverse mortgage is an additional tool in retirement. A second-generation Arizona native, Rob Kanyur has 20 years of experience in home financing. Whether you're purchasing a home, refinancing, or considering a reverse mortgage, we can find a solution that fits your needs.
HECM vs. Proprietary Reverse Mortgages: Which Retirement Mortgage Strategy Is Right for You?
Welcome back to Retire Right with Reverse Rob! In this episode, I cover a topic a client brought to me after moving from Washington State to Colorado: the key differences between an FHA-insured Home Equity Conversion Mortgage (HECM) and a non-FHA proprietary reverse mortgage. Whether you are looking to relocate closer to family or unlock equity in your home without a required monthly mortgage payment, understanding these two options is essential for smart retirement planning.
We break down how the traditional HECM—often referred to as the "Cadillac" of reverse mortgages—offers lower interest rates, a growing line of credit, and FHA backing for homeowners age 62 and older. On the flip side, I explain why a proprietary reverse mortgage might be a better fit if you are between 55 and 61, own a higher-value jumbo property of $4 million or more, or want to avoid the 2% upfront mortgage insurance premium while paying off existing consumer debt at closing.
I also share real-life case studies from Scottsdale and discuss how top retirement researchers like Dr. Wade Pfau view these tools as strategic assets rather than loans of last resort. Tune in to learn which product fits your retirement goals and how to schedule a personal consultation!
Important Links for Rob and Fairway Independent Mortgage Corporation
ReverseRob.com (https://reverserob.com/) | 602-REVERSE | Essential Reverse Mortgage Information (https://robkanyur.com/reverse-mortgage-loans/)
23 Sept 2026
Navigating the Caregiving Crisis: Eldercare Planning, Dementia, and Financial Peace of Mind with Nicole Smith
Welcome back to the Retire Right with Reverse Rob show! In this episode, I had the absolute pleasure of sitting down with Nicole Smith—also known as the Dementia Daughter—a best-selling author, speaker, and Certified Senior Advisor. Nicole shares her powerful personal story of navigating the "sandwich generation," balancing raising five kids while simultaneously managing complex medical, legal, and practical care for three aging parents in different states.
We dive deep into the essential steps every family needs to take before a crisis hits, including setting up financial and medical powers of attorney, choosing a "proxy with moxie," and understanding why elder law planning is vital to avoiding costly probate. Nicole also breaks down the realities of long-term care costs, Activities of Daily Living (ADLs), and why relying on Medicare for long-term care is a major misconception.
Plus, we talk about how proactive financial solutions—like modern retirement mortgages—can help fund end-of-life planning, preserve retirement portfolios, and provide essential cash flow for caregiving. We also cover actionable dementia prevention habits using Dr. Rudy Tanzi's SHIELD framework and great community resources like Death Over Drafts and Daughterhood. Tune in for an episode packed with heart, wisdom, and practical advice!
Resources for Nicole Smith | Dementia Care Advocate & Author
Official Website (https://www.njsmithbooks.com/) | LinkedIn | Instagram | YouTube
Important Links for Rob and Fairway Independent Mortgage Corporation
ReverseRob.com (https://reverserob.com/) | 602- REVERSE | Essential Reverse Mortgage Information
9 Sept 2026
Protecting Our Seniors: The Fight for SB 1512 and Real Financial Advocacy with Malea Madrid
Hey everyone, Rob Kanyur here! On this episode of Retire Right with Reverse Rob, I had the pleasure of sitting down with my guest, Malea Madrid, the founder of Consider It Done Seniors and executive director of the Golden Rule Alliance. We dove deep into a topic that hits close to home for so many of us: the massive spike in sophisticated fraud and scams targeting our seniors, and why our current laws are falling short in protecting them.
Malea shared some heartbreaking, real-life stories—like the tragic case of Mr. Golden—that pushed her to lobby for SB 1512 in Arizona. We talked about how this bill aims to redefine what it means to be a "vulnerable adult" by looking at factors like recent grief, medical status, and age, rather than just waiting until someone is deemed legally incompetent. We also discussed how scammers use AI to sound more legitimate, and why we need to change these laws to give police and attorneys actual teeth to fight back.
Plus, I shared an insider strategy: a reverse mortgage can act as a shield against title fraud by recording a lien at 150% of the home value, making your property a much less attractive target for bad actors. If you want to know how to protect your family, get involved with the Golden Rule Alliance, or support this crucial legislation, this is an episode you cannot afford to miss.
Important Links for Malea Madrid | President and Founder of Consider It Done Seniors
Consider It Done Seniors (https://cidseniors.com/) | Live Golden Rule | info@LiveGoldenRule.org (mailto:info@LiveGoldenRule.org)
Important Links for Rob and Fairway Independent Mortgage Corporation
ReverseRob.com (https://reverserob.com/) | 602- REVERSE | Essential Reverse Mortgage Information
Who has been a guest on Retire Right with Reverse Rob
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Darren Richardson
Phil Putnam
Allie Jennings
Luis Hernandez
Kimberly Yee
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3 ratings
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3 ratings
Podcast Authority Score: 30 / 100
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YouTube
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Engagement
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Questions about Retire Right with Reverse Rob
Who hosts Retire Right with Reverse Rob?
Reverse Rob and Rob host the show. Published by Rob Kanyur.
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The show publishes bi-weekly, based on its RSS feed.
Does Retire Right with Reverse Rob take guests?
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