Senior Solutions Reverse Mortgage Workshopsg, Foreclosure Prevention

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  Calendar At A Glance
JCC Senior Solutions Workshop, Edison, N.J
Lakeland Bank offers Senior Outreach Program, Wycoff, N.J
Lakeland Bank offers Senior Outreach Program, Teaneck, N.J
The Central Morris AARP, Morris Plains, N.J
Essex County Bar Foundation, Learn & Earn with Reverse Mortgages, Roseland, NJ
11:30 AM
Senior Solutions Workshop Luncheon, Lakeland Bank, Sparta, NJ
12 Noon
Senior Solutions Workshop Luncheon, Lakeland Bank, Teaneck, NJ
12 Noon
Bergen County Bar Association Learn & Earn with Reverse Mortgages, Hackensack, NJ
12 Noon
  Information kits and individual consultations: call 908-217-2240 or visit any Lakeland Bank* Branch and ask for a Reverse Mortgage Kit
Lakeland Bank* Branch Locator
  *Senior Solutions Workshop of Intercounty Mortgage Inc. is not affiliated with Lakeland Bank. Intercounty Mortgage Inc. is a licensed mortgage banker with the NJ Dept. of Banking,



Seniors Facing Foreclosure Find Solution
Reverse Mortgages can help Seniors avoid Foreclosure

HAZLET, NJ — Senior citizens are not immune to today’s unstable economic climate. In fact, 600,000 Seniors are behind in mortgage payments or actually in foreclosure proceedings, according to the AARP Public Policy Institute. But there are financial o p t i o n s available to S e n i o r s , like reverse mortgages.

Sandra Rosteck photo
Sandra Rostek as seen on News12 NJ TV
“A reverse mortgage is a federally insured mortgage product the Federal Housing Administration created to help Seniors have access to the equity they’ve built up in their homes,” explains Sandra Rostek, VP, Reverse Mortgage Division, Intercounty Mortgage Network, Hazlet NJ. Reverse mortgages allow homeowners 62 and older who have built up home equity to secure up-front cash, ongoing monthly payouts —or both— from a Seniors Facing Foreclosure Find Solution Reverse Mortgages can help Seniors avoid Foreclosure ADVERTISEMENT lender. “Reverse mortgages can help ensure
that Seniors will stay in their homes the rest of their lives.” continued Rostek.

Because many homeowners aren’t aware they can use a reverse mortgage to pay off a delinquent mortgage or prevent foreclosure, Rostek has created the Senior Solutions Workshop. Rostek explains that these informative workshops can be presented to individuals, Senior groups, and families to inform Seniors about the options they have to ensure their financial stability. She, along with a team of experts including an experienced Foreclosure Defense Attorney, is committed to helping make Seniors’ golden years “truly golden.”

Workshops can be held at home, or a Senior clubhouse for larger groups. To set up a workshop or for an information kit, call Sandra Rostek at 908-217-2240. To see TV interviews and presentations Rostek has made in the past. Go to go to Sandra Rostek as seen on News12 NJ TV.


Cold Weather’s Coming – Be Prepared!

Keeping yourself healthy – and your home warm and cozy – can be a challenge for seniors as the winter weather approaches. However, help is available in a number of areas from The New Jersey State Department of Health and Senior
Services, Division of Aging and Community Services. A variety of programs and services exist specifically to enable you to live as independently as possible in your home and community while enjoying a dignified quality of life.

Call 1-877-222-3737 (toll-free) to inquire about such programs and services as:

• Adult day care
• Adult protective services
• Assisted transportation
• Caregiver support groups
• Dental clinics
• Eldercare
• Food stamps
• Heating and cooling assistance
• Home health and homemaker services
• Hospice
• Jersey Assistance for Community Caregiving
• Legal assistance
• Legislation information
• Meals on Wheels programs
• Medicare Parts A and B
• NJ Transit reduced fares


• Nutrition sites
• Ombudsman for institutionalized seniors
• PAAD card/Lifeline (for those 65 or older or   disabled)
• Public health nursing
• Rental assistance
• Residential maintenance
• State Health Insurance Program (S.H.I.P)
• Social Security
• Social services
• State respite care
• Transportation
• Veterans Services
• Volunteer Income Tax Assistance (V.I.T.A.)