Our Mission is to protect our elders and give them a voice.  To educate consumers to enable them to exercise their rights and protections to avoid foreclosure.


Sandy Jolley

I am a Reverse Mortgage Suitability and Abuse Expert and received a certificate of completion for the HUD Reverse Mortgage Counseling Training.  My expertise is Federal Regulations and Consumer Protections as they relate to Reverse Mortgages.

My Passion is to:

Consult with Consumers on what they need to know and do for their financial wellbeing before getting a reverse mortgage. Consult with consumers who have been harmed by unsuitable reverse mortgages, identify rights & options to minimize financial damage.  Educate financial, legal and elder abuse communities on the suitability of reverse mortgages for their clients.

Consult with Financial Institutions, Financial Advisors, the Legal Community, Government Agencies and Elder Abuse Community. Educate them on reverse mortgage products, how to assess the real risks and benefits, determine suitability, and how they may be used as a financial tool to meet a client’s financial goals and long term strategy.

70% of consumers I work with are in the maturity or foreclosure phase are grieving the loss of a loved one. The first time many heirs know anything about a reverse mortgage is when the Servicer mails a "repayment" or "due and payable" letter to the Borrower and heirs just days to a month after a borrower has passed away.

I receive calls everyday from concerned or frightened consumers who have no idea what their rights and options are. I help navigate and communicate with the Servicer, HUD, and other agencies as required to achieve the consumer goal. I help consumers prevent or stop foreclosure by exercising their consumer rights.

I testified before Federal Regulators (OCC, Federal Reserve, HUD, CFPB and others) regarding the Servicing and Foreclosure issues consumers report.  To see my public testimony search Sandy Jolley Reverse Mortgage.

I give a free assessment of your reverse mortgage inform you of your rights and options so that you can exercise them with the Servicer.

I have appeared on Television, Radio, and online and print media. Bloomberg News, AARP, Consumer Reports to name a few.
Featured on a NCOA (National Council on Aging) televised broadcast. Featured in the full length documentary “Last Will and Embezzlement” starring Hollywood Icon Mickey Rooney.

On May 16, 2017 Department of Justice and HUD OIG announced Sandy Jolley Whistleblower reverse mortgage settlement against Financial Freedom, Division of CIT. 

Sandy Jolley False Claims Settlement with Financial Freedom

Department of Justice Announcement of Financial Freedom False Claims Settlement