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Meet YourRetirement Mortgage SpecialistDerek Helms
- NMLS# 1494137
- derek.helms@fairwaymc.com
- 148 East Charles Street, Suite D, Matthews, NC, 28105
- 704-459-7424
Born and raised in Unionville near Monroe, NC, Derek has lived in the Charlotte area most of his life. He and his wife, Laura, are blessed with two beautiful daughters, Katherine and Caroline. Derek earned two bachelor degrees, Nutrition & Dietetics and Hospitality Management, while attending and playing football at East Carolina University. He then completed a Master of Business Administration (MBA) at East Carolina University. Prior to joining Fairway, Derek began his career in healthcare, working in physical therapy and physician relations. After an outstanding personal residential loan experience with Fairway, he decided to join the team as a Reverse Mortgage Planner, incorporating his passions for delivering outstanding customer service and helping others. Derek focuses on educating financial advisors, real estate agents, attorneys and accountants to the benefits of the reverse mortgage loan. In addition to spending time with his family, Derek loves working in the yard and vacationing at the lake and beach.
He is based in Charlotte but works with clients all around the Carolinas, including reverse mortgages in Asheville, Charlotte, and other areas.
Derek is licensed to do reverse mortgages in North Carolina, South Carolina, Georgia, Florida, Tennessee, Virginia, Ohio, Maryland, and Pennsylvania.
What is a Reverse Mortgage Loan?
A reverse mortgage is a unique loan that allows those 62 years of age and older to convert a portion of the equity they have built up in their homes into cash and defer repayment until they pass away or move out. The loan can provide you with cash that you can use now, help you develop a line of credit, and more, giving you more financial flexibility in retirement.

Benefits of A Reverse Mortgage
There are many incredible benefits to this unique loan, and it can be a great way way for you to feel secure in your retirement and provide you with the financial freedom you are looking for.
Benefits
- No monthly mortgage payments except for taxes, insurance, and maintenance
- Growing line of credit (applies to unused funds)
- Increased discretionary cash flow
- Can sell YOUR home at any time
- Does not require payment until last living borrower permanently leaves the home
- Bridge the medicare gap
- Increase your purchasing power
Benefits of working with a Fairway loan officer in Matthews, NC
We Deliver On Customer Service
Our customers experience some of the fastest turn times in the industry. The Fairway reverse mortgage loan process is designed to exceed expectations, provide satisfaction and earn your trust.
Specialized Training
Each Fairway loan officer is required to attend live training classes before he or she can originate a reverse mortgage loan. Our Reverse mortgage planners have access to a dedicated support staff and ongoing weekly educational training calls.
National In-Person Appointments
Fairway has offices located nationwide with trained reverse mortgage planners, giving us the ability to meet with you in a face-to-face setting.