Senior Loan Officer Reverse mortgage specialist NMLS#719030
As you can see from the new picture above, I definitely married up! Kathy and I recently celebrated our 43rd anniversary. She is a saint. We thought it would be a good idea for you to get to know us. It is our delight to get to know so many folks over the years in this business. Sometimes the folks we help end up being friends and still call us years after we initially helped them. That is why we love this business and consider it a privilege to assist all of the clients who have trusted us over the years. Our desire to serve and love people comes honestly. In our younger years we both served as vocational ministers and even pastored a church in Florida and one in New Zealand where we lived for five wonderful years. We have always endeavored to love and serve people in whatever capacity. Our lens is to see what we are doing as just that, our ministry. During our 43 years we have had many incredible adventures, with raising 5 wonderful children topping the list. We have been blessed with 3 girls and 2 boys each married and we have 7 grandkids. They are spread out in Pennsylvania, Florida, Texas and New Zealand. Lots of travel over the years. One of the highlights of our lives revolved around their education. All of them were homeschooled, we also started a school from which the two youngest graduated. Bob also was instrumental in starting what was among the first and grew to be the largest virtual school in the country, the Florida Virtual School serving as Board Chair for 16 years. It is no surprise it comes naturally for both of us to focus on educating our prospective clients. We often say, “Our job is to educate to make sure you fully understand the product and your options. Your job is to decide if it is a good fit.” Florida was our home for over 30 years, much of it in Gainesville, home of University of Florida. GO GATORS! In 2012 Kathy was hired to help start a start
303-619-8033 NMLS#1368981
Kathy Muni
REVERSE MORTGAGES Bob Muni
PAGE 10 | THE VILLAGER • June 4, 2020
up school in Highlands Ranch, Arma Dei Academy. After two years she was hired by a mortgage company, got her mortgage license and fell in love with helping seniors in retirement. Her passion for doing reverse mortgages eventually rubbed off on Bob. Bob began his career in real estate and mortgages in 1992, becoming an award winning realtor and mortgage lender. Bob did his first reverse mortgage in 2007, but his passion was not ignited until he began to really understand the benefit from all the changes to the product in the past 5+ years. Both Bob and Kathy became students of financial strategies for seniors to increase their retirement longevity and improve their financial situation allowing them to live a better retirement. Kathy has a great passion for helping the folks who need it most, those in dire need. Often, she has helped folks who had less than $20/month margin in their budget. Eliminating their mortgage payment (though they were still responsible for taxes, insurance and maintaining the home) radically changed their lives, and even more so if there was additional money they could use for emergencies, travel, helping kids, whatever they wanted. Bob has become more passionate about reverse mortgages as a planning tool and financial strategy to minimize financial risk and maximize retirement finances. He loves to explain the options, strategies, graphs, stories and delights when the “light goes on.” He especially loves to hear, “I can’t believe it! This sounds too good to be true!” Bob serves as a board member of the Rocky Mountain Chapter of the Financial Services Professionals. He regularly interacts with and conducts educational events for financial planners, realtors and those also serving seniors in other ways. We have opened our own branch office with a national company, Top Flite Financial, now able to serve folks in many other states including where our kids and grandkids live. We still serve folks in Colorado as well. Give us a call, we would love to hear from you! Top Flite Financial, Inc. 9800 Mount Pyramid Ct. #400 Englewood CO 80112 NMLS 1987944 Bobm@topflitefinancial.com 303-588-1335
City of Centennial days away from opening grant opportunities for local businesses BY JESSICA ROE BEHIND THE SCENES STAFF WRITER
Centennial City Councillors approved the use of $5 million of the $10.29 million Federal Coronavirus Aid, Relief, and Economic Security (CARES) Act money it received to immediately help local businesses rebound from the losses they suffered during the COVID-19 pandemic. The funds will be awarded on a first come, first serve basis. Neil Marciniak, Centennial’s Economic Development Director, introduced the proposed plan to the City Council at this past Monday night’s meeting. Businesses eligible for the grants must employ no more than 100 individuals; must be located in the city; must be a privately held for-profit business; must be able to demonstrate it was forced to close or limit operations during the COVID-19 pandemic which resulted in a significant loss of profit, around approximately 25%. Examples of eligible businesses can be restaurants and bars, breweries/wineries/ distilleries with tasting rooms; retailers such as clothing stores, and florists; personal services such as salons and spas; health services such as dentists, chiropractors and counselors; fitness centers such as gyms; as well as home-based businesses and more. Ineligible businesses include those that operated throughout the pandemic; nationally owned entities; any kind of marijuana related businesses; liquor stores; and, sexually oriented businesses. Locally owned franchises of national chains may qualify. The grants will fall into three categories, and each business is allowed to apply for a grant in all three of the categories, which include the following: (1) Personal protective equipment (PPE) and safety grants are up to $2500 each and provide for businesses to
procure their own PPEs and accompanying safety training. (2) Operations grants are budgeted up to $10,000 each and are for businesses impacted by closures to cover rent, utilities, payroll, inventory, etc. (3) Temporary and Physical Improvement grants range up to $20,000 each and are to assist businesses with building and/or site modifications to facilitate compliance with public health orders such as patio expansions, interior renovations, etc. In Marciniak’s original proposal, it was required that the applicant’s business had to have been in existence with a city license to operate since April 1, 2019, however several members of council expressed their request that the prerequisite time of existence be greatly shortened, with several suggesting a timeframe of just six months prior to the onset of the pandemic. A date will be announced once the program debuts on the city’s website. City Manager Matt Sturgeon assured councillors he would reallocate staff to ensure that when applications begin coming in, they were prioritized to be processed and checks would be issued promptly. While Marciniak said he hopes to have the application process up and running soon, it may take several days to get the entire system stood up on CentennialCO.gov. Check back frequently. In the meantime, Centennial residents should consider participating in the city’s “Think Local” program by posting a selfie on social media with an item they purchased from a Centennial business or in front of a Centennial business. Use the tag #ThinkLocalCentennial, and you will be automatically entered to win a gift card to a Centennial restaurant. Starting June 8, a winner will be announced weekly. Visit centennialco.gov/ ThinkLocalCentennial for full rules and participating restaurants. Follow Centennial on social media @Centennial Gov.
GV will use CARES money to help impacted businesses BY FREDA MIKLIN GOVERNMENTAL REPORTER
At its June 1 meeting, Greenwood Village’s city council decided to award grants totaling $1.3 million of the $1.5 million it is get-
ting from Arapahoe County in CARES Act money to needy GV businesses for business interruption and COVID-19-related expenses. Details for distribution will be available on greenwood village.com once they are finalized.
