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I’ve never seen Tom Selleck sell an acting role harder than he is doing in these reverse mortgage commercials. It’s kinda strange.
Lets start here: do you know what a reverse mortgage is? Rather than me try to construct an explanation, that I’ll probably screw up, we’ll just look at some info from reversemortgage.org. Based on their web address we’re guessing they are genuine and know their stuff, even if that isn’t always the case. From reversemortgage.org:
A reverse mortgage is a loan available to homeowners, 62 years or older, that allows them to convert part of the equity in their homes into cash…
…The loan is called a reverse mortgage because instead of making monthly payments to a lender, as with a traditional mortgage, the lender makes payments to the borrower.
The borrower is not required to pay back the loan until the home is sold or otherwise vacated. As long as the borrower lives in the home he or she is not required to make any monthly payments towards the loan balance.
Sounds pretty good, right?
Not everybody thinks so. As with anything their are proponents and detractors. The detractors feel that companies peddling reverse mortgages prey on older folk who might be desperate, not financially savvy, or may not have all their wits about them. Naysayers point to the usually high closings which for the most part aren’t realized until the end of the loan. And then there are the scams. Because scammers love to prey on oldies, reverse mortgages are one of many go-to scams.
For our purposes today, we’re not going to take one side or the other. There are drawbacks, but there are also benefits. Reverse mortgages can be life changing in a positive manner for a lot of people who do not have as much as they would like for retirement, and would like to stay in their home.
The Selleck Commercials
Someone made a Tom Selleck cookie? We’re just as confused as you…
There’s something to be said about not mailing a role in. I’ve seen Tom Selleck in a few things over the years: “Three Men and a Baby”, “In & Out”, “Mr. Baseball”, a few episodes of “Miami Vice” when I was younger, and a few episodes of “Blue Bloods” once when I went to visit my grandma. (From what I’ve heard, old people love the television show “Blue Bloods”.)
For the most part, I guess the guy is a pretty good actor. One would have to be decent to be as lasting as he is, right? And in everything I can remember seeing him in he’s always seemed pretty committed.
But there is one role, where Mr. Selleck has committed and thrown himself in head first, more so than any of his other roles. This role is pitchman for AAG Reverse Mortgages. Take a look:
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The commericalstarts with Selleck staring out a window in a power stance, and then a few seconds in, he begins:
I know what you’re thinking. I thought what you thought. Some things are just too good to be true.
From the very first line he is laying it on thick. He continues.
Just like you I thought that reverse mortgages had to have some kind of catch. Just a way for the banks to get your house, right?
During the above lines the commercial treads with a dark tone, but then things turn.
Well, then I did some homework and I found out it’s not any of that. It’s not another way for the bank to get your house, and it’s not too good to be true.
Tom claiming that he did some homework, seems to be implying that he, as an older person, would benefit from a reverse mortgage. Am I wrong? Maybe it’s not good to read into implications, but then he goes on:
I know what you’re thinking. I did too. I felt the same way! But I checked it out, and I found out a lot more!
Taking the ad copy at face value, Selleck was just looking into the process before taking the gig, but he is still laying it on almost thicker than any other performance I have ever seen.
A Better Pitch
Personally, I find David Spade’s performance to be much more sincere…
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I find that he is selling reverse mortgages as if he had obtained one himself. That is very deceiving with the amount of income he makes it is doubtful he will ever have a need for a reverse mortgage. No doubt he is making a good penny from the commercial itself to need a mortgage. Also, not all individuals benefit from a reverse mortgage which he fails to state. Every time I see his commercial it makes me want to call him and tell him what a phony he is.
Wish I could.
Totally Peter. Hit the nail on the head.
What Tom and other supporters of Reverse Mortgages are not disclosing is that the Deed of Trust allows for Foreclosure if property is unoccupied for more than 12 consecutive months. However, it does not allow for VACANCY due TO MEDICAL CONDITIONS. if YOU ARE ILL OR REHABBING FOR LONGER THAN 12 MONTHS, YOU PROBABLY WILL NOT HAVE A HOME TO RETURN TO. THIS IS A MAJOR LACK OF DISCLOSURE, AND MAY CONSTITUTE MORTGAGE FRAUD. It is presently happening to my sister. Taxes, Insurance, Utilities are paid and property maintained, while she recovers from a serious accident.
Tom, along with ALL promoters of Reverse Mortgages are failing to DISCLOSE that if you have a Reverse Mortgage, and become ILL or have an Accident requiring you to be away from your home more than 12 consecutive months, they can foreclose. I believe this may be Mortgage Fraud, and should be a MANDATORY DISCLOSURES in any and all promotions. My sister suffered a serious accident, in rehab more than 12 months. Taxes, Insurance, Utilities paid, and property maintained. THEY ARE FORECLOSING.
Im not sure whats worse. Him lying and stealing from the elderly. Or that ridiculous mustache that he stole from Steve Harvey!
Selleck and the other washed up actors who push these loans at the uninformed oldies ought to burn in hell for what they are doing ! I looked into these types of loans years ago, and found out the truth myself …AND they are NOT the pot of gold at the end of the rainbow, that the con men want you to believe they are! Remember when …FONZI did the commercials, and said …” IF NOT NOW ,THEN WHEN “?? A certain tip off to the slyness of the crookedness, is who AAG is using …ACTORS that the oldies watched for years and mistakenly …TRUST ! NO ONE ,BUT NO ONE GIVES YOU A FREE LUNCH …and THERE ARE VERY FEW PEOPLE WHO ACTUALLY WANT TO HELP YOU in the real world just because they want to ! THERE ARE always other reasons behind what they do ….it is called …MONEY FOR THEM !
A couple of more things to be concerned about .BILL DEVANEY trying to con people into buying gold ,because if things go bad …MONEY will be worthless …( so how do you use the gold for the average household buying of food and etc.? ) ! Next WOULD BE ALL THE AGING CON-MEN …trying to talk all of the seniors into buying ..SIT-IN shower /bathtubs ….They use WAY TOO MUCH water ..plus how many will open the door while the tub is still full ?????
Tom Selleck is selling something he will never have and pandering something he knows nothing about and no he did not do his homework. He is a greedy individual and I have lost any respect I had for him not that I have ever had much to begin with. Pathetic what people will do for money.
I think Tom is alying sack of S*** that should be put in jail
I WONDER HOW MANY PEOPLE HAVE LOST TRUST IN TOM SELLECK BECAUSE OF THE AAG ADS HE IS DOING. HE SHOULD HAVE MOE MORALS AND ETHICS ABOUT HIMSELF. I HAVE LOST RESPECT FOR HIM.
I completely agree with all .
Tom Selleck should be ashamed to make these deceiving pitches.
Does Tom need a reverse?
Tom Selleck is worth 45 million he does not need money —— bet he charges 1 million per year or more