Ray and Kimberly Gedstad, (CRMP, MBA, Ph.D.) are Certified CE Instructors for Dexterity CE and Reverse Mortgage Specialists with Open Mortgage. Earning the distinguished designation as a Certified Reverse Mortgage Professional (CRMP®) exclusively specializing in reverse mortgages. What a husband-wife team! We are licensed in CO, CA, TX, AZ, NM, IN, OK, FL, WA, and more if needed! Our team brings a unique passion to sharing information about the HECMs (Home Equity Conversion Mortgage) and all proprietary products. This sets us apart as we intertwine our professional mortgage experience with our passion for education and helping clients in a concierge service team approach. We do believe better is possible!