A few words About us

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).

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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.
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HomeRefinancing

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.
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