Richard W McWhorter

Not every retirement need is solved with a bigger portfolio. Sometimes, it’s solved by using what you already own – wisely. That’s where I come in.

I’m Richard McWhorter, and I specialize in helping homeowners 55+ understand, evaluate, and leverage reverse mortgages as a flexible financial tool… not a last resort.

As a former Big 8 CPA with decades in finance, I take a holistic approach to retirement cash flow, long-term housing, and legacy planning. Whether you’re exploring a HECM to stay in your home or a HECM for Purchase to right-size your lifestyle, I help you, your family, and your trusted advisors walk through your real options – with straight answers, not sales pitches.

What I Do Best

– Home Equity Conversion Mortgages (HECM) – Standard, Purchase, Refinance, and proprietary reverse mortgages (also known as “jumbo” or private reverse). Each has its place.

– Strategy-First Guidance – I help you see the full financial picture, not just the loan.

– Forward Mortgages (FHA, Conventional, VA, DPA, and Construction-to-Perm) – typically for my reverse clients or their families who prefer a familiar face they can trust.

Who I Work With

– Independent retirees

– Adult children helping parents plan wisely

– Longtime homeowners who are “house rich, cash stuck”

– Widows, divorcees, and others navigating solo retirement, Medicare, Medicaid, and other potential pitfalls

– Financial Professionals, Realtors and Home Care Providers, all looking for solutions to their clients needs.

I’m licensed in Florida and Georgia, among other states, and regularly meet with clients throughout Central and Coastal Florida – including Orlando, Tampa-St. Pete, Clearwater, Sarasota, Bradenton, Fort Myers, Jacksonville, Daytona, Vero Beach, Ocala, Naples, and Fort Lauderdale.

And yes… we can meet by phone, Zoom, or in person. I keep things easy and pressure-free.

Why Clients Choose Me

Because I break it down simply – the good, the bad, and what makes sense for you. People often tell me: “I didn’t know we could use it to buy a home.” “You explained this better than anyone ever has.” “We’re finally sleeping at night.”

A Little About Me

I’ve been married to my high school sweetheart for over 40 years. We’ve raised two kids, have five amazing grandkids, and I’m still the guy who fires up the Big Green Egg or Mill Scale Yakitori for any neighbor who wanders into the backyard.

I’m also a Braves baseball lifer, a grill tinkerer, and a fan of golf, college football, and anything smoked low and slow. I believe retirement decisions deserve empathy, honesty, and real options – not sales tactics.

Let’s Talk Through Your Options

Whether you’re ready to move forward or just exploring what’s possible, I’m here to walk you through it.

There’s no one-size-fits-all answer – and it may not even be a reverse mortgage. But there are more options than you think… and you deserve to hear them.

Let’s find the one that fits you.
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Ridge Reverse and ReverseLoanSolutions are DBAs of Amerifund Home Loans. To learn more, visit RidgeReverse.com