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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More Services

Happy Customers

Treated me with care and understanding.

Bill Clifton, Louisville, KY

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.

Ms

Sue McCullougj, Louisville, Kentucky

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.

Ongoing Support

William Brockman, Corydon, IN

Julia was a great help every step of the way. Her professionalism helped make the process go smoothly.

Ongoing Support

William Brockman, Corydon, IN

Julia was a great help every step of the way. Her professionalism helped make the process go smoothly.

Julia Railey and Reverse Mortgage

Jean, Louisville, KY

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.

Review of Julia and her assistance

Bryon and Davida Stewart, Central City, Ky. 42330

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.

Professional and Patient!

Cathy VanArsdale, Louisville

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.

Thank you JULIA!

Ruth Linn, Louisville KY

Julia Raily saved me the one worry I had in retirement-my home. While a bit complex, Julia assured me every step of the way that it could be done and it was! I can stay in it! Thanks Julia!

Reverse Mortgage

Kay Fugate, Hazard, Kentucky

I recently got a reverse mortgage with Longbridge Financial with the assistance of Julia Railey! I truly believe Julia was the only reason I was able to secure this mortgage! I would never have been able to navigate through the process without her! She went above and beyond to help us secure this mortgage!