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		<title>Senior Money Matters! (C) Tm brought to you by Value Financial - America's Senior  (800) 760-5363</title>
		<link>http://podcast.valuefinancial.net</link>
		<lastBuildDate>Fri, 12 Mar 2010 10:10:49 GMT</lastBuildDate>
		<pubDate>Fri, 12 Mar 2010 10:10:49 GMT</pubDate>
		<language>en</language>
		<copyright>Value Financial - America&amp;apos;s Senior, (c) Tm 2006-2007</copyright>
		<itunes:subtitle>Public Service education regarding REVERSE MORTGAGES in plain English!</itunes:subtitle>
		<itunes:author>Nelson A. Locke</itunes:author>
		<itunes:summary>This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
		<description>This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</description>
		<itunes:owner>
			<itunes:name>Nelson A. Locke</itunes:name>
			<itunes:email>nlocke@valuefinancial.net</itunes:email>
		</itunes:owner>
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		<itunes:category text="Education" />
		<item>
			<title>#12 - "Local Lenders versus those out of state guys......"</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>#12 - "Local Lenders versus those out of state guys......"</itunes:subtitle>
			<itunes:summary />
			<itunes:explicit>no</itunes:explicit>
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			<pubDate>Mon, 07 Jan 2008 18:24:00 GMT</pubDate>
			<itunes:duration>00:16:03</itunes:duration>
			<itunes:keywords />
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		<item>
			<title>#11 - "All these CHOICES - what's a senior to do???(c)</title>
			<itunes:author>Nelson A. Locke, CRML RMS</itunes:author>
			<itunes:subtitle>#11 - "All these CHOICES - what's a senior to do???(c)</itunes:subtitle>
			<itunes:summary>Here Nelson is telling you in plain english where each HUD program works the best. Of course, its only his opinion but it will be helpful to you because it will give you something to consider as you make your choice. And remember, if your reverse mortgage specialist does not show you ALL available programs, something is wrong! This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
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			<pubDate>Wed, 18 Jul 2007 16:50:00 GMT</pubDate>
			<itunes:duration>00:18:48</itunes:duration>
			<itunes:keywords>aarp hud reverse mortgage loan bank fnma fha locke lend money retire retirement social security</itunes:keywords>
		</item>
		<item>
			<title>#10 - "Wait for what?" (C)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>#10 - "Wait for what?" (C)</itunes:subtitle>
			<itunes:summary>If you really needed a Reverse Mortgage, why on earth would you wait, hoping that the programs would get better or the fees would be reduced. For Pete's sake, what is your peace of mind worth? The facts are, these programs are pretty good as is and if they get better, we'll work with you to help you realize the benefit of any changes.....but can you afford to "wait"? Let's discuss it a little. This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
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			<pubDate>Fri, 13 Apr 2007 23:01:00 GMT</pubDate>
			<itunes:duration>00:13:05</itunes:duration>
			<itunes:keywords>hud reverse mortgage mortgage broker Locke Value financial RMS HECM Senior retire retirement retired bank loan money</itunes:keywords>
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			<title>#9 - "Fixed or Adjustable?" (c)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>#9 - "Fixed or Adjustable?" (c)</itunes:subtitle>
			<itunes:summary>Fixed or Adjustable - what's the difference? And what questions should you be asking, anyway? This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
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			<pubDate>Thu, 29 Mar 2007 00:02:00 GMT</pubDate>
			<itunes:duration>00:13:10</itunes:duration>
			<itunes:keywords>mortgage senior reverse mortgage retire retirement aarp hud fnma bank loan iTunes Locke</itunes:keywords>
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			<title>#8 - "Picking the right Loan Officer for you!" (C)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>#8 - "Picking the right Loan Officer for you!" (C)</itunes:subtitle>
			<itunes:summary>Nelson has trained hundreds of Loan Officers and has a really good handle on what makes them good or bad risks. And it's pretty consistent, too. If you take the time to listen, you will know what to look before you trust your home to your new Loan Officer!
This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
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			<pubDate>Tue, 30 Jan 2007 18:27:00 GMT</pubDate>
			<itunes:duration>00:14:19</itunes:duration>
			<itunes:keywords>hud nrmla famb namb rms fnma reverse mortgage retirement seniors retire bank loan</itunes:keywords>
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		<item>
			<title>#7 - "Maturity Events Defined" (C)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>#7 - "Maturity Events Defined" (C)</itunes:subtitle>
			<itunes:summary>This week Nelson will talk you through the five most common events that trigger the "due and payable" clause of a Reverse Mortgage. These are important to understand because this great product provides a LOT of peace of mind and you need to understand that no one can just ring your doorbell and "take your house away". Most professional advisors haven't got a clue about how Reverse Mortgages work, so listen and learn together. This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
			<itunes:block>no</itunes:block>
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			<pubDate>Fri, 29 Dec 2006 18:09:00 GMT</pubDate>
			<itunes:duration>00:12:48</itunes:duration>
			<itunes:keywords>hud nrmla famb namb retire retirement social security senior mortgage brokers loan officers banks loans</itunes:keywords>
		</item>
		<item>
			<title>#6 "Will my house qualify?" (c)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>#6 "Will my house qualify?" (c)</itunes:subtitle>
			<itunes:summary>Nelson Locke talks about what types of properties will qualify for a Reverse Mortgage. He discusses single family homes, condominiums, and more. He also talks abut the special issues encountered with condominiums, such as recreational leases and Associations that waive Reserves. Is that REALLY a good thing? Probably NOT. This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
			<itunes:block>no</itunes:block>
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			<pubDate>Thu, 30 Nov 2006 22:31:00 GMT</pubDate>
			<itunes:duration>00:14:13</itunes:duration>
			<itunes:keywords>aarp hud nrmla RMS namb Locke famb retire reverse mortgage loan bank fund</itunes:keywords>
		</item>
		<item>
			<title>#5 - "Reverse versus Forward - different costs?"(c)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>#5 - "Reverse versus Forward - different costs?"(c)</itunes:subtitle>
			<itunes:summary>Nelson takes a solo look at his imaginary chalk board, where he compares the costs of a reverse mortgage with a traditional forward loan, adjusted for the TRUTH. Yes, folks, the truth. NO Loan Officer DOUBLETALK. There is no such thing as a "no cost" loan. This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
			<itunes:block>no</itunes:block>
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			<pubDate>Tue, 07 Nov 2006 22:03:00 GMT</pubDate>
			<itunes:duration>00:14:42</itunes:duration>
			<itunes:keywords>aarp, hud nrmla, famb, retirement reverse mortgage loan bank lender Locke HUD FHA</itunes:keywords>
		</item>
		<item>
			<title># 4 - "Myth Busting" (c)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle># 4 - "Myth Busting" (c)</itunes:subtitle>
			<itunes:summary>Let's do a little myth busting. A plain english discussion of all the current myths out there about reverse mortgages, including that old favorite of ours - "The bank will take your house away" and more. Nelson Locke and his trusty sidekick Larry Batch will talk you through the 10 most popular misconceptions. If after you listen you are still confused, call us at 800-760-5363 and we'll explain it to you in person. This public service podcast was developed to help Seniors and their Advisors, including their children, UNDERSTAND REVERSE MORTGAGES. The podcast is written in plain english and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and the Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363. You can even apply on line for a benefits quote!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
			<itunes:block>no</itunes:block>
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			<pubDate>Mon, 30 Oct 2006 21:52:00 GMT</pubDate>
			<itunes:duration>00:23:48</itunes:duration>
			<itunes:keywords>aarp hud nrmla famb namb reverse mortgage bank retirement retire seniors fnma locke</itunes:keywords>
		</item>
		<item>
			<title>** SPANISH ** Explicacion General(C)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle>** SPANISH ** Explicacion General(C)</itunes:subtitle>
			<itunes:summary>Plain speak in Spanish, narrated by our own Oscar Palma Jr. Keeps it simple! Let Oscar tell you about Reverse Mortgages, and the music is a nice touch too!</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
			<itunes:block>no</itunes:block>
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			<pubDate>Wed, 18 Oct 2006 16:52:00 GMT</pubDate>
			<itunes:duration>00:07:30</itunes:duration>
			<itunes:keywords>espanol spanish hipoteca revertida hud retirement senior</itunes:keywords>
		</item>
		<item>
			<title># 2 - "Reverse Mortgage Costs" - compared to WHAT? (C)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle># 2 - "Reverse Mortgage Costs" - compared to WHAT? (C)</itunes:subtitle>
			<itunes:summary>Let's take a look at how to compare a Reverse Mortgage to other products out there - let's clear up the misconceptions and be honest with each other about what you get for what you pay. These programs are subject to a lot of misconceptions - learn from an expert who has helped thousands of seniors. This public service podcast was developed to help Seniors and their Advisors, including their Attorneys and adult children, UNDERSTAND REVERSE MORTGAGES. The podcast is written and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363.</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
			<itunes:block>no</itunes:block>
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			<pubDate>Tue, 17 Oct 2006 01:59:00 GMT</pubDate>
			<itunes:duration>00:18:47</itunes:duration>
			<itunes:keywords>aarp hud retirement senior reverse mortgage nrmla famb</itunes:keywords>
		</item>
		<item>
			<title># 1 - "Reverse Mortgages" - A Plain English explanation for Seniors and their Advisors (C)</title>
			<itunes:author>Nelson A. Locke</itunes:author>
			<itunes:subtitle># 1 - "Reverse Mortgages" - A Plain English explanation for Seniors and their Advisors (C)</itunes:subtitle>
			<itunes:summary>A PLAIN ENGLISH introduction to Reverse Mortgages. This public service podcast was developed to help Seniors and their Advisors, including their Attorneys and adult children, UNDERSTAND REVERSE MORTGAGES. This is a great new product surrounded by myth and mystery - let us give you the facts! The podcast is written and hosted by Nelson A. Locke, a well known Reverse Mortgage Expert and Chief Executive Officer of Value Financial - America's Senior - one of America's most experienced and trusted Reverse Mortgage Lenders. Nelson has helped almost 5,000 seniors obtain Reverse Mortgages and lead a more satisfying retirement without worrying about money. You can review their site at www.valuefinancial.net, or call them at (800) 760-5363.</itunes:summary>
			<itunes:explicit>no</itunes:explicit>
			<itunes:block>no</itunes:block>
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			<pubDate>Thu, 12 Oct 2006 02:44:00 GMT</pubDate>
			<itunes:duration>00:16:30</itunes:duration>
			<itunes:keywords>aarp hud nrmla famb reverse mortgage retire senior widow money</itunes:keywords>
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