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About me

Your Loan Expert, Hilary Pruitt.

Thirty-four years in the real estate and mortgage industry has taken my wife Joy and I to a new concentration in the mortgage business. We are excited to take a fresh look at the HECM, a home equity conversion mortgage for borrowers over 62 years of age. It has been redesigned to be a part of an overall retirement-income strategy. Being in that age group that is likely to live much longer that our predecessors led us to this decision. We have always wanted our job to have a higher purpose in our client's life than the typical mortgage. The Reverse Mortgage can make a major positive difference in the quality of our client's golden years.

Times are changing rapidly. Dealing with this increased longevity is going to require a lot of on-going education and that works for me. I was a teacher right out college and have always looked at one of my main requirements of being a lender to be an educator first. We always wanted our clients to be educated about the transaction they were about to enter.

Another thing that has always been a part of our business plan is to be ahead of the pack, to accomplish that you must work for the best of the best. Guild Mortgage Company meets that description. Guild has a division that specializes in reverse mortgages and is one of the top reverse producers in the industry. Again, the best of the best. They are direct endorsement lenders, meaning they originate, process, underwrite, and fund the loans. This fits another of my requirements in selecting the right company to be associated with, being as close to the real source of the money as possible. We can serve you better working with that lender. We provide that kitchen table personal service with the strength of the best behind us.

 Our aging clients are entering a time that has been described as our golden years. For those years to be truly golden they must have a retirement plan for that to be the case.

The Reverse Mortgage needs to be a part of most of those plans. The reverse mortgage is no longer just the tool of absolute last resort. The reverse mortgage can help to solve a lot of the potential problems in your financial plan. I look forward to helping educate you to the positive potentials of a reverse mortgage. It can be a life changer.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Reverse mortgage loan

Reverse mortgage loan

If you’re retired or at least 62 years old and looking to purchase or refinance to make the most of your home investment, this may be a good option for you. A reverse mortgage allows you to use the equity in your home to supplement your retirement income.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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home equity insights

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Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
Bruce F
Feb 13, 2024
Verified

Hilary and Joy make a great team and I had a great experience with them. Hilary was very patient considering it took me quite a while to decide on signing up for my reverse mortgage. He never used any annoying high-pressure sales tactics like AAG or another local company when I was comparing my options. Hilary thoroughly explained all the details and answered all my questions during the process. He patiently re-explained some of them when I forgot or misunderstood during my long consideration process. Now my reverse mortgage has freed up finances for needed house repairs and also has given me some peace of mind due to a recent health concern that just arose. Thanks Hilary and Joy!
Bruce
Feb 13, 2024
Verified

Hilary and Joy make a great team and I had a great experience with them. Hilary was very patient considering it took me quite a while to decide on signing up for my reverse mortgage. He never used any annoying high-pressure sales tactics like AAG or another local company when I was comparing my options. Hilary thoroughly explained all the details and answered all my questions during the process. He patiently re-explained some of them when I forgot or misunderstood during my long consideration process. Now my reverse mortgage has freed up finances for needed house repairs and also has given me some peace of mind due to a recent health concern that just arose. Thanks Hilary and Joy!
cenythia
Jun 07, 2023
Verified

6-7-23 Caring Reverse Mortgage I am so glad I met Hilary, my reverse mortgage counselor, he was very friendly and honest about the process and reality of reverse mortgage. Hilary educated me which gave me the reassurance i needed to make a beneficial decision if reverse mortgage would work for me or not, very integrity oriented
Judson
Jan 15, 2020
Greenwood Vlg, CO
Verified

Hilary Pruitt got me through a very difficult FHA approval and was able to correct a bad error on my appraisal. He is a great agent and I would use him again.
Joanne
Aug 10, 2019
Greenwood Vlg, CO
Verified

Hilary is a great asset to Cherry Creek Mortgage. His help went above and beyond. I thank him very much.

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passionate about

member of Guild Giving
NMLS ID #284043
I am authorized to do business in the states of Colorado, Florida and Nevada. NV Mortgage Company #1141;