Located Lady Lake – The Villages office. Rob Wyatt is a licensed mortgage originator and works with many of the largest servicers of reverse mortgage loans in the United States. Rob is also is a member of the National Reverse Mortgage Lenders Association (NRMLA) which is a national trade association for financial service companies that originate, service, and invest in reverse mortgages.



Robert Wyatt  Principal

NMLS # 319804

25-year veteran in the financial services industry, with 22 years exclusively dedicated to the Reverse Mortgage sector.


Robert Wyatt, a reverse mortgage specialist and belongs to an elite cadre of mortgage professionals who have achieved the status of being a Certified Reverse Mortgage Professional (CRMP). National Reverse Mortgage Lenders Association (NRMLA), headquartered in Washington, D.C., bestowed the certification on Wyatt after he passed a rigorous exam and background check, thereby demonstrating a competency in the area of reverse mortgages and a dedication to uphold the highest ethical and professional standards. Only 121 individuals nationwide currently have the CRMP credential.

His professional experience, together with his core personal values, reflect his genuine passion for helping clients remain financially independent and solvent, for peace of mind and security during their retirement.Recognized as a leader in the national Reverse Mortgage industry, Rob has served as:

  • 12-year Board Member, National Reverse Mortgage Lenders Association (NRMLA), Washington, DC
  • 2-term Director, Board of Directors for the Florida Council on Aging, Tallahassee, Florida
  • 10-year Vice President, Fifth Third Bank, Reverse Mortgage Division, Cincinnati, Ohio

Rob holds a Bachelor’s Degree in Agribusiness from Illinois State University, Bloomington-Normal, Illinois.  He also has attended, as well as presented at, numerous financial and mortgage-industry conferences throughout the U.S. In addition, Rob has testified before Congress, as a NRMLA Board Member, to educate and inform the public regarding the value and importance of Reverse Mortgages to many citizens.  Rob is a Certified Senior Advisor and licensed (319804) as a Reverse Mortgage Originator in the state of Florida.

In addition to his professional endeavors, Rob is a dedicated husband to his wife of 29 years, Kerrylynn Wyatt, a registered nurse.  They are proud parents of two daughters now in college.   Rob and Kerrylynn, both natives of the Midwest, live and play in The Villages, Florida.


Jim Cullum

Reverse Mortgage Specialist

The goal, which has become Jim’s passion, is to educate Seniors about the potential benefits of reverse mortgages and determine if this loan program can help them enjoy a higher quality of life. Working with seniors, their families and the trusted professionals who advise them, Jim helps in their efforts to either purchase a new home using the HECM PURCHASE program or refinance their current home using a Reverse Mortgage to convert equity to needed funds to meet other needs.

His background in the world of finance began with an extensive education at The Regan School of Economics at Merrill Lynch. He quickly learned that this was to be his niche. After several years with Merrill Lynch in the San Francisco Bay area, Jim and his lovely wife “retired” to Sarasota. They selected Lakewood Ranch as their new home.

Soon after arriving in Florida, Jim determined that he was not done with work and decided to put his financial knowledge to good use in assisting borrowers over the age of 62 with a loan product called a reverse mortgage. Reverse mortgages are very different from traditional mortgages in that the borrower does not need income to qualify. One of the best features of a reverse is that instead of paying for mortgage payments, the borrower can actually receive a monthly income stream. Jim has written reverse mortgages for many individuals and families, seeing firsthand how this program can change lives. While Jim has continued to help others with this plan, he has not forgotten to play golf with friends and his wife. Jim is also heavily involved with Harvest United Methodist Church and its major outreach program, MISSION FOR MILITARY, which concentrates their efforts and resources on veterans and their families in need.



Teresa P. Hughes

Loan Officer

NMLS 434327

Teresa joined Rob Wyatt’s team in December, 2015 after 47 years of banking experience. She retired as an Assistant Vice President in the residential mortgage department of Fifth Third Bank. She started her banking career in Cicero, Illinois, moving to Michigan in 1970.

After living in Kalamazoo, Michigan for 30 years, an opportunity arose to transfer to Fifth Third Bank’s Mortgage Department in Bonita Springs, Florida where she and her husband, Mike, have lived since October, 2002.

Upon reaching retirement, Teresa decided to follow a new career path in the reverse mortgage field which will allow her to continue working in the mortgage world she has enjoyed for the past 30 years.

Over the years, she has been active as a Loan Executive with United Way of Kalamazoo County and as a board member with the Kalamazoo County Humane Society.  She has also been a member of the Board of Realtors in Kalamazoo County and Bonita-Estero Realtors Association in Lee County, as well as the Women’s Council of Realtors.

Teresa and Mike are very happy they have the opportunity to live and work in Paradise!

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