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Retirement Mortgage Expert · NMLS #305398
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For homeowners who've built up serious equity over the years

Your Home Is Sitting on
Thousands of Dollars.
Access It With No Monthly Payments.

Homeowners 62+ can turn built-up equity into cash with no required monthly mortgage payment. The quiz takes 60 seconds.

See if you qualify How it works
  • No credit pull
  • Takes 60 seconds
  • Free, no obligation

By continuing, you request a conversation with Russell Tunick / Go Rascal Inc. Message and data rates may apply; reply STOP to opt out. Not a formal loan application and does not pull your credit. See Privacy and SMS Terms.

How much of your home you already own A sample house divided by a horizontal line. The large filled section is labeled as an example of equity you own, $250,000 or more. The smaller tinted section above it is the mortgage balance still left. These figures are an illustration, not a quote. The filled section slowly rises and settles in a loop, and an arrow at the base of the house points down to a coin, with small drops travelling down the arrow into the coin to show that equity becoming cash. $250,000+ example $
Equity you own
$250,000+
Mortgage left
Paid off first, out of the same equity

Example home. Your numbers will differ.

  • 5.0 18 client reviews on Experience.com
  • 11 States licensed, NY to FL to CA
  • #305398 Individual NMLS, verifiable at NMLS Consumer Access

What the program does

Your equity, working for you. Your name stays on the deed.

For homeowners 62 and older, one federally insured program can do any of these. Russ helps you pick the shape that fits your plan.

  • Russell Tunick with homeowners, their house visible through the window

    Stop making a monthly mortgage payment

    Pay off your current mortgage at closing and keep the home. Property taxes, insurance, and upkeep still stay with you.

  • Monthly income you can count on

    Steady monthly advances from your equity to cover the gap between Social Security and real life.

  • A line of credit that grows

    Leave it untouched and the available amount grows over time. Draw only when you need it.

  • Pay for care and stay home

    Fund help at home instead of a rushed move. The house stays in your name.

  • Buy your next home, no monthly payment

    Right-size or move closer to family using the purchase version of the same program.

The loan balance grows over time and is repaid when the last borrower leaves the home. What is left after repayment belongs to you or your heirs.

Same house. Very different month.

  • Today

    • A mortgage payment due every month
    • Equity locked in the walls
    • One surprise expense away from selling
    • Your kids quietly worrying about the house

  • With the program

    • No required monthly mortgage payment while you live there and meet the loan terms
    • Equity available as cash, monthly income, or a line of credit
    • Title stays in your name. You own the home, the lender holds a lien
    • Federally insured, non-recourse: you and your heirs never owe more than the home is worth

You remain responsible for property taxes, homeowners insurance, HOA dues, and maintenance. Interest and fees are added to the balance over time, which can reduce the equity left for heirs. Russ walks through every number before you decide anything.

How it works

Sixty seconds now. A real conversation after.

  1. Take the 60-second quiz

    A few questions about your home, your age, and what you want the money to do. No credit pull. No obligation.

  2. Russ reviews it and calls you

    Not a call center. Russ reads what you shared, then reaches out personally to walk through what the program could look like for you.

  3. You decide, at your pace

    If it fits, independent counseling and full disclosures come before any application. If it does not fit, Russ tells you that too.

See if you qualify

Sound like you? Then it is worth sixty seconds.

These are the basics. The quiz sorts out the rest, and Russ confirms the details on the call.

  • 62 or older (one spouse is enough)
  • Own your home or have significant equity
  • It is your primary residence
  • House, condo, or 2 to 4 unit property
Russ is licensed in 11 states
  • NY
  • NJ
  • CT
  • PA
  • MD
  • FL
  • GA
  • ME
  • CO
  • NV
  • CA

What clients say after the closing.

5.0 18 reviews on Experience.com
Russell showed us throughout the process that he sincerely cared about us, not as a product or a potential sale, but as people in need of clear and accurate information and advice.
Patricia S. Client review · Experience.com
Russell made the whole process easy and allowed my father to stay in his house with the care he needed.
Joseph L. Adult child of a client · Experience.com
Russell was extremely responsive to all our questions, very clear in explaining everything and was able to make the whole process go smoothly.
Barbara P. Client review · Experience.com
Smooth transaction from start to finish. No drama, no hassles. Great experience.
Wayne M. Client review · Experience.com
Russell is knowledgeable, hard-working and kind. He deserves a raise.
Linda G. Client review · Experience.com
Russ was responsive to all inquiries, was willing and able to find answers to questions, hung in when sometimes things seemed futile, and got the tasks done!
Pam O. Client review · Experience.com
Always in contact with all updates. Thank you so much.
Darren M. West Hempstead, NY · Experience.com
Easy communication and great experience overall.
Michel P. East Patchogue, NY · Experience.com
Russell Tunick

Meet Russ, the person who actually calls you back.

Russ is a Long Island native, a Retirement Mortgage Expert at Go Rascal Inc. (NMLS #305398), and the person who actually picks up when you call. He explains the tradeoffs plainly, in your kitchen or over the phone, and tells you when a program is not the right fit.

  • Licensed in 11 states under NMLS #305398
  • Long Island native and proud dog dad
  • Explains the tradeoffs in plain English, and says so when it is not a fit
Go Rascal Inc.

Powered by Go Rascal Inc., a licensed mortgage company (Company NMLS #2072896). Loans are arranged with third-party lenders, so the program is matched to you rather than one bank's menu.

Find out what your home could do for you.

Sixty seconds. No credit pull. Russ follows up personally.

See if you qualify

Submitting the form authorizes Russell Tunick and Go Rascal Inc. to contact you by phone, text, or email about your inquiry. Message frequency varies; STOP to opt out. SMS Terms.