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Reverse Mortgage in Louisville, Kentucky
Reverse Mortgage Julia Atherton Railey
(502) 426-7840
610 Baxter Ave Louisville KY 40204
Business Description
Since 2005, Julia Atherton Railey has been a premier Reverse Mortgage Consultant. Her office is located in Louisville, KY providing in-person consultations for Kentucky and Indiana clients over age 62. Over the past 20 years she has been providing flexible and customized financial options for retirement planning, using reverse mortgages and home equity loans to refinance or purchase a home, with no monthly mortgage payments required while living in the home, although property maintenance, taxes and insurance must be sustained. Julias many 5-star reviews are testimonies to her ability to help you achieve your financial goals. Call for free consultations to explore options.
By appointment only. Office 610 Baxter Av, Louisville, KY Contact by phone 502-426-7840 or Email: jrailey@longbridge-financial.com
Julia Atherton Railey (NMLS #645994) is currently sponsored by Longbridge Financial LLC (NMLS #957935).
Mission Statement
Helping People Retire Better…. One at a Time
Call (502) 426-7840 today!
Reviews
I had so many questions and Julia had all the answers. It took me over a month to decide to move forward and she never pushed me once. She did keep me informed of changes in interest rates along the way which helped me understand the product even better. When I made my decision, I didn’t have any concerns at all. She’s just plain awesome!
Dlr from Louisville, Ky 6/11/2025 7:44:22 PM
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With extensive experience as a financial advisor and wealth manager, Reverse Mortgage Julia Atherton Railey specializes in a wide range of services, including retirement planning, money management, home refinancing, home equity loans, and reverse mortgages. Whether you’re looking to purchase a home, refinance your current property, or create a tailored retirement strategy, she offers the expertise and support you need.
Since 2005, Reverse Mortgage Julia Atherton Railey has been providing expert financial planning services to clients in Louisville, KY, offering personalized solutions that align with your financial goals. As a dedicated financial planner and consultant, Julia helps individuals and families manage their wealth, plan for retirement, and make informed financial decisions that set them on the path to financial security.
Take control of your financial future with Reverse Mortgage Julia Atherton Railey in Louisville, KY! Whether you're seeking advice on retirement planning, money management, home purchasing, or refinancing, Julia is here with you every step of the way. Give us a call at (502) 426-7840 to schedule a consultation and start building the future you deserve!
Key Contacts
Julia Railey Email: Jrailey@longbridge-financial.com
1) Reverse Mortgage Structuring
Reverse mortgage funds can be used to achieve retirement goals to “age in place” and increase cash flow, or fund home care, with no required repayment on balance of funds used until the last Borrower no longer lives in the home, up to age 150 - regardless of equity. Borrowers must keep current with property taxes, insurance and maintenance on their home.
2) Home Refinancing
Monetize home equity using the FHA Home Equity Conversion Mortgage plans and options which may include a lump sum, monthly supplements, and/or an equity line of credit, depending on FHA plan regulations. Funds are based on 3 factors: age, home value and the current interest rate.
3) Home Purchase
Purchase a home and save your cash by using an FHA Home Equity Conversion Mortgage for your home purchase that typically requires 45%-65%* of the sales price down at closing, while the reverse mortgage covers the rest. * This is an estimated range. Please call for current pricing.
4) Eliminate Monthly Mortgage Payments
Using an FHA Home Equity Conversion Mortgage to payoff liens on the property per FHA regulations will increase cash-flow for living expenses or home-care. A Financial assessment is required for approval to ensure sufficient income is available to pay maintenance, property taxes and homeowners insurance for the Borrower(s) expected lifetime.
5) Build A Retirement Fund
Assistance in choosing the best FHA insured plan to monetize a percentage of the home equity to be available on an equity line. Draws are income tax-free*, although property tax, insurance and maintenance is required just as with any mortgage. *Consult a tax advisor for effect on taxes.
Serving Area:
Louisville, Bullitt County, Ky, Fayette County, Ky, Oldham County, Ky, Woodford County, Ky, Shelby County, Ky, Henry County, Ky, Clark County, In, Harrison County, In, Boone County, Ky
Counties
Clark, Franklin, Jefferson, Oldham, Shelby, Spencer
Serving Zip Codes:
40204, 40207, 40241, 40272, 40067, 40014, 40071, 40299, 40229, 47130, 40601
Latitude
38.2457491
Longitude
-85.7288476
Year Established
2005
Payments Accepted
Specialties:
Reverse Mortgage
Retirement Plan Options
Debt Repayment Solutions
Home Purchase
Home Equity Loan
Hecm
Home Equity Conversion Mortgage
Mortgage
Line Of Credit
Grey Divorce Solutions
Home Care Financial Assistance
Aging In Place
Property Tax And Insurance
Senior Services
Loans For Seniors
Home Refinance
Reverse Mortgage Kentucky
Reverse Mortgage Indiana
Reverse Mortgage Louisville Ky
Mortgages For People On Social Security
Read More
Citations
I had so many questions and Julia had all the answers. It took me over a month to decide to move forward and she never pushed me once. She did keep me informed of changes in interest rates along the way which helped me understand the product even better. When I made my decision, I didn’t have any concerns at all. She’s just plain awesome!
Dlr from Louisville, Ky 6/11/2025 7:44:22 PM
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Julia was very helpful during our reverse mortgage process answering our many questions throughout the process with her patience. I would highly recommend her knowledge and calmness during the entire process.
James Julian from Carmel, In 5/28/2025 6:18:10 PM
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Julia helped me throughout the process and answered my many questions as best she could. She always made herself available. Even after I decided to abandon the loan she followed up when the market conditions improved and the loan became more doable from my point of view. I truly believe she cared about my needs and what was best for me.
Bill Clifton from Louisville, Ky 4/24/2025 1:47:02 PM
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Julia was thorough & knowledgeable. She made sure all the I's were dotted & T's crossed. She was a pillar of support at a time when my life at fallen apart. I'd recommend her to anyone.
Sue Mccullougj from Louisville, Kentucky 4/24/2025 10:57:23 AM
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Julia was a great help every step of the way. Her professionalism helped make the process go smoothly.
William Brockman from Corydon, In 3/19/2025 7:27:55 AM
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Julia was a great help every step of the way. Her professionalism helped make the process go smoothly.
William Brockman from Corydon, In 3/18/2025 3:17:40 PM
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I was very grateful for Julia's help with the Reverse Mortgage Process. She responded promptly and with great patience to any of my questions. She also explained the process in a clear and concise manner.
Jean from Louisville, Ky 1/30/2025 7:54:45 PM
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We can't say enough about Julia. We were in dire need of help financially so we started looking at the reverse mortgage process. We filled out some paperwork online and right away contacted us. She helped through the entire process and did everything in her power to make this as easy as possible. As I said earlier, Julia and Longbridge were great at making this as easy as possible and helped in any way needed.
Bryon And Davida Stewart from Central City, Ky. 42330 1/29/2025 5:17:20 PM
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Julia made the reverse mortgage process as easy as something like this can be. She walked me through the whole process and answered my many questions along the way promptly and patiently. She went the extra mile from beginning to closing. I recommend her highly.
Cathy Vanarsdale from Louisville 1/29/2025 4:07:26 PM
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Contact Information
Direct Email Contact
Mailing Address
610 Baxter Ave
Louisville, KY 40204
Telephone/Fax
(502) 426-7840
(916) 314-9196
Website
Other Website
www.reversemortgagejuliarailey.com
Email Contact
jrailey@longbridge-financial.com
You can also email Reverse Mortgage Julia Atherton Railey direct by filling out the form on the right.
Our Hours
| Sunday: | CLOSED |
| Monday: | 9:00AM to 5:00PM |
| Tuesday: | 9:00AM to 5:00PM |
| Wednesday: | 9:00AM to 5:00PM |
| Thursday: | 9:00AM to 5:00PM |
| Friday: | 9:00AM to 5:00PM |
| Saturday: | By Appointment |
Reverse Mortgage Julia Atherton Railey in Louisville, KY has a higher trust score for Reverse Mortgage than:
