Equal Housing Lender
Fairway NMLS #2289
Ken Powell NMLS #2656628
Ken Powell is a Fairway-certified reverse mortgage loan officer based in Hughesville, serving homeowners, families, and professionals across Calvert, Charles, St. Mary's, and Prince George's counties. His approach is education first: understand every option, including keeping things exactly as they are, before choosing one.
Fairway Independent Mortgage Corporation, National Recognition
These are national recognitions earned by Fairway Independent Mortgage Corporation (NMLS #2289), Ken's lender, not an individual award given to Ken Powell. Source: fairwayreverse.com.
Education first. Every page below answers one question completely, written for homeowners and families in Calvert, Charles, St. Mary's, and Prince George's counties by a Fairway-certified reverse mortgage loan officer.
The mechanics from first conversation to funding, in plain English, without the sales pitch.
The first question every family asks. Non-recourse protection, the three options heirs have, and spouse protections.
Buy your retirement home with roughly half down and no required monthly principal and interest mortgage payment.
The persistent myths, the honest drawbacks, and the questions about taxes, Social Security, and costs.
Who it fits, what it costs, and the questions to ask before deciding.
The federally insured Home Equity Conversion Mortgage: eligibility, payout options, and protections.
Fairway's complete consumer booklet: how a HECM works, common uses, repayment flexibility, the line of credit, eligibility, myths, advantages, disadvantages, and FAQs. Delivered to your inbox.
Fairway's reverse mortgage calculators give a no-personal-info estimate of what a HECM or a HomeSafe Second could look like. For a figure you can actually plan around, Ken prepares a personalized illustration for your age, home value, and county.
Open Fairway's Reverse Calculators →
HomeSafe Second Calculator →
Ken maintains dedicated resources, and professional guidebooks by request, for the professionals who serve 62+ clients across Southern Maryland and Prince George's County.
Real Estate Professionals →
Financial Professionals →
Attorneys →
Lower the rate, shorten the term, or restructure the payment. When a refinance makes sense, and when staying put is the better math.
Convert equity into cash for renovations, debt consolidation, or the down payment on an investment property.
Moving instead of refinancing? See Buy Before You Sell for ways to purchase your next home before this one sells.
Tell Ken your age, home value, current balance, and what you are trying to accomplish. He will walk you through every option, including keeping things exactly as they are.