Mortgage & Retirement Planning
Expert Guidance for a Carefree Financial Future
Let's Talk
Give us a call or submit your information using the form below.
Your Trusted Partner for Mortgage and Retirement Planning
________________
Carefree Funding specializes in personalized mortgage and retirement planning solutions. With decades of experience, we offer a wide range of mortgage options, as well as strategies to help you tap into your home’s equity for a more secure retirement.
Our commitment to face-to-face service ensures every client receives tailored guidance and clear financial solutions, making even the most complex decisions simple and stress-free. Let us help you achieve peace of mind and a brighter financial future.
Carefree Funding specializes in personalized mortgage and retirement planning solutions. With decades of experience, we offer a wide range of mortgage options, as well as strategies to help you tap into your home’s equity for a more secure retirement.
Our commitment to face-to-face service ensures every client receives tailored guidance and clear financial solutions, making even the most complex decisions simple and stress-free. Let us help you achieve peace of mind and a brighter financial future.
Our Services
________________
Full Service Mortgage Broker
Brokers are free to do business with any lender so we can offer you a larger menu of products than most banks.
Realtors & Builders
Your 62+ buyers can purchase a new home with as little as 40% down and NEVER have a mortgage payment!
Boomers & Seniors
Tap your housing equity for tax-free cash for medical bills, emergency expenses, renovations, or just to enjoy life.
Professional Advisors
See new strategies that incorporate the suitable use of Housing Wealth in overall Retirement Income Planning.
What You Can Expect When You Work with Carefree Funding
________________
With over 40 years of experience in the financial industry, including roles as Vice President at a major commercial bank and now Broker/Owner of Carefree Funding, I’ve dedicated my career to helping clients secure both their mortgage and retirement futures. We provide personalized mortgage solutions to help you purchase or refinance your home, while also offering specialized retirement planning services, including the federally insured Home Equity Conversion Mortgage (HECM).
My belief in the life-changing power of HECM comes from personal experience—this program allowed my mother to stay in her family home, relieving financial stress. It also enabled my wife and me to purchase our dream downsized home without mortgage payments. At Carefree Funding, we ensure you can enjoy financial peace of mind and a worry-free future. We’re here to help you live your home owning and retirement years with confidence.
Michael A. Ciardi
Mortgage Loan Originator
NMLS #343232
With over 40 years of experience in the financial industry, including roles as Vice President at a major commercial bank and now Broker/Owner of Carefree Funding, I’ve dedicated my career to helping clients secure both their mortgage and retirement futures. We provide personalized mortgage solutions to help you purchase or refinance your home, while also offering specialized retirement planning services, including the federally insured Home Equity Conversion Mortgage (HECM).
My belief in the life-changing power of HECM comes from personal experience—this program allowed my mother to stay in her family home, relieving financial stress. It also enabled my wife and me to purchase our dream downsized home without mortgage payments. At Carefree Funding, we ensure you can enjoy financial peace of mind and a worry-free future. We’re here to help you live your home owning and retirement years with confidence.
Michael A. Ciardi
Mortgage Loan Originator
NMLS #343232
