During retirement, living on a fixed income had become quite challenging. After consulting with Kathy and she studied my income profile, it was agreed that a reverse mortgage would be of great benefit to me. I had the necessary equity in my home and qualified for this program. It has been a blessing. Not making principal and interest payments has freed me up to pursue other endeavors. Thank you, Kathy. Your knowledge of the various tools that were available to suit my needs was invaluable. I appreciate all of the attention and detail that you put into making my life better. You are quite knowledgeable in your profession. I value that and have a great peace of mind in knowing you provided me with all the information needed to make a wise decision. This was executed in a timely and professional manner. I have a background in real estate. Just wish that I had someone like Kathy in my corner. Thank you, Kathy Carlay for making my life better! R Fox

Kathy was great. Superior communication and was clearly our advocate, we couldn't be more thankful to her.

Kathy is an absolute amazing loan officer. Her communication, follow up and process is top notch. She kept me apprised from start to finish. She has the ability to under promise and over deliver and that's exactly what I look for and truly appreciate. She has a no fluff, no bs policy and just works hard to get it done. She has the ability to think outside the box when things aren't perfect. Thank you so much Kathy for being an amazing LO!

Kathy is by far one of the best lenders to work with. As a realtor there is no one else I would rather have in my corner. I know Kathy will fight for my clients and always has my back. HIGHLY recommend her for all of your mortgage needs!

Katherine Ford worked with me to obtain a reverse mortgage recently and the experience was great and flawless. She knows her business!

Kathy Carlay and Built Brave are ALWAYS my go to for clients. She works diligently to ensure all parties in the transaction have a great experience. She treats every transaction as the most important deal she has ever done. No matter the price point, Kathy brings many options to the client ensuring they get the best plan for their needs. By being an outside the box thinker she is able to overcome obstacles to get us all to the closing table. Incorporating the vast loan programs she offers, Kathy gets it done!!! You want her on your team and you can count on a HOMERUN every time. BUILT BRAVE MORTGAGE FOR LIFE!!