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Stan Goff

Reverse Mortgage Specialist & Educator

NMLS Licensed
40+ Years
HECM & Proprietary Education
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 reverse mortgage programs were being explained to seniors. People were making significant decisions about their homes without a clear, complete understanding of how the available programs worked, including their costs, obligations and differences. 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

Stan's focus today is on education and guidance. He helps people understand how Reverse Mortgage Programs work, who they may be appropriate for, and what the real considerations are — including the costs and obligations that aren't always front and center in other conversations. He doesn't push timelines. He doesn't manufacture urgency. His conversations are available at no charge, and there's no obligation attached to any of them.
The Process

Experience Across the Housing Industry

Here are some of the topics Stan can help you understand.

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
  • Program-dependent costs, including origination and closing charges, applicable servicing fees, and FHA mortgage insurance premiums for HECMs.
  • What heirs can expect and what options they will have
  • Whether a manufactured, modular, or site-built home is likely to be eligible
  • HECM counseling requirements and how counseling requirements may differ for proprietary programs.
  • Situations where a reverse mortgage may not be the right fit.
Free Initial Review
Manufactured & HUD-Code Housing
Experience with manufactured-home documentation, foundations and property review, including FHA requirements for HECMs and lender-specific requirements for proprietary reverse mortgages.
Modular Homes
Modular & Factory-Built Residential
Understanding how building codes, permanent foundations and property classification affect eligibility for FHA-insured HECMs and other applicable mortgage programs.
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
HECM and Proprietary Reverse Mortgage Education.
Explaining program structures, costs, obligations and consumer protections, including HUD requirements for HECMs and separate proprietary program guidelines.
Today
Goff Housing Solutions — Education & Guidance
Operates Goff Housing Solutions with a clear focus: helping homeowners understand HECM and proprietary reverse mortgage options accurately, explore whether they fit their situation, and make decisions on their own timeline — with no pressure and no obligation.

Have Questions About Reverse Mortgage Options?

Stan’s conversations are free, carry no obligation, and move at your pace. Bring your questions — or bring your family. Both are welcome.
Ask Stan a Question
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Stan's Approach

What Stan's Conversations Are Actually Like

Specialized Reverse Mortgage programs for buying, refinancing, and unique property types. Serving homeowners across multiple states.

He explains the full picture — costs included
Stan covers the important parts of reverse mortgage programs 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 comparing the available options.

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 reverse mortgages stem from incomplete information, and a single accurate explanation can resolve a lot of confusion.
Our Approach

What Makes Us Different

Many mortgage websites feel corporate and transactional. We built Goff Housing Solutions differently.
  • 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