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Stan Goff
Reverse Mortgage Specialist & Educator
NMLS Licensed
40+ Years
FHA Approved
Reverse Mortgage Educator & Guide
Meet Stan Goff — Reverse Mortgage Educator & Guide
Stan Goff’s career spans more than four decades working across different sectors of the American housing market — manufactured housing, modular homes, traditional site-built residential real estate, and mortgage finance, including reverse mortgage education. That breadth of experience shapes how he approaches every conversation: with context, not just a product.
Over the years, Stan observed a consistent gap in how the Reverse Mortgage program was being explained to seniors. People were making significant decisions about their homes without a clear, complete understanding of how the program actually worked — what it cost, what obligations it carried, and what their options were if circumstances changed. Some moved forward without fully understanding what they were agreeing to. Others declined based on misconceptions they’d never had the opportunity to question.
Both outcomes concerned him for the same reason: the decision wasn’t truly informed.
"My role isn't to tell someone what to do. It's to make sure they understand how this program works — clearly, completely, and without a slant — so they can decide for themselves whether it fits their situation. That's the conversation I try to have every time."
— Stan Goff, Reverse Mortgage Educator & Guide
The Process
How Reverse Mortgage Refinancing Works
Refinancing a reverse mortgage is a structured process. Here’s exactly what to expect from start to finish.
Topics Stan Can Help You Understand
- How the Reverse Mortgage loan is structured and how the balance grows over time
- What a Reverse Mortgage for Purchase looks like — down payment, closing, obligations
- How a Reverse Mortgage refinance compares to keeping an existing mortgage
- Every cost involved — origination, MIP, closing costs, servicing fees
- What heirs can expect and what options they will have
- Whether a manufactured, modular, or site-built home is likely to be eligible
- What HUD-approved independent counseling involves and why it's required
- Situations where the Reverse Mortgage program may not be the right fit
Free Initial Review
Manufactured & HUD-Code Housing
Developed working knowledge of HUD-code manufactured homes — their construction standards, financing structures, and the specific FHA eligibility requirements that apply when a manufactured home is considered for a Reverse Mortgage loan.
Modular Homes
Modular & Factory-Built Residential
Gained experience with modular home construction and financing — understanding how state and local building codes, permanent foundations, and property classification affect eligibility for FHA-insured programs including the Reverse Mortgage.
Traditional Housing
Site-Built Residential Real Estate
Worked across conventional site-built residential real estate and mortgage lending — building foundational knowledge of how homeowners at every income level and life stage approach housing decisions, equity, and long-term financial planning.
Reverse Mortgage Education
Reverse Mortgage Program Focus
Shifted focus to Reverse Mortgage education — learning the program in depth, including its structure, costs, consumer protections, HUD regulations, and the scenarios where it is — and is not — likely to be appropriate for a given borrower.
Today
Goff Housing Solutions — Education & Guidance
Operates Goff Housing Solutions with a clear focus: helping seniors understand the Reverse Mortgage program accurately, explore whether it fits their situation, and make decisions on their own timeline — with no pressure and no obligation.
Have Questions About the Reverse Mortgage Program?
Stan's Approach
What Stan's Conversations Are Actually Like
Specialized Reverse Mortgage programs for buying, refinancing, and unique property types across Alabama, Florida, and Georgia.
He explains the full picture — costs included
Stan covers the parts of the Reverse Mortgage program that aren’t always front and center in other conversations — including fees, growing loan balance, ongoing obligations, and the scenarios where this type of loan may not make sense. Understanding those things is part of understanding the program.
He understands multiple property types
Because Stan’s background spans manufactured housing, modular homes, and traditional site-built real estate — not just conventional lending — he’s familiar with the property eligibility nuances that come up in Reverse Mortgage conversations, particularly around non-traditional home types.
Family members are welcome on the call
If adult children or other family members have questions or concerns, they’re welcome to be part of the conversation. Those calls are often the most productive — because many concerns about the Reverse Mortgage program stem from incomplete information, and a single accurate explanation can resolve a lot of confusion.
Our Approach
What Makes Us Different
- Clear explanations before asking for personal information
- Consultation-based approach — not pressure-based
- Simple navigation and easy-to-read content
- Transparent discussion of pros and cons
- Personal guidance throughout the process