Get Joseph's Top 10 Homeowner Money Secrets!
“Accumulate wake-up money beyond essential needs for a comfortable retirement at any age.” - Joseph C. Lam
Joseph Lam 林志明, CRS, SRES, MBA, is an Amazon #1 Best Selling Author: ‘Modern-Day Reverse Mortgages’ and ‘Green Homes’. He is a Real Estate Broker & Reverse Mortgage Professional for over 35 years. He has closed over $200 million in real estate and loan transactions.
Mr. Lam is the creator of HECMnomic™, a transformative 5-step system that turns idle home equity into steady income, sustainable wealth, managing long-term care expenses and security for future generations. He inspires seniors to eliminate mortgage payments, invest in energy-efficient green homes, and create a predictable income through innovative solutions. Transforming home equity into a self-created personal pension.
By following the 5-step process, you’ll discover how to:
1. Consolidate debts, simplify your finances, and making mortgage payment optional.
2. Use the growth rate of your home equity to build a safety net, for just-in-case money, such as long-term care expenses.
3. Upgrade your home to a green home, saving money on energy expenses and increasing the house value.
4. Invest in real estate or ADUs for extended family and to generate rental income and long-term growth, creating an asset class that protects inflation.
5. Create a steady monthly and lifetime guaranteed income. Transforming home equity into a self-created personal pension. Utilizing laddering annuity along with special riders for long-term care insurance and death benefits for legacy planning.
Joseph's mission is to empower seniors who are "equity-rich but cash-poor" to find peace of mind and enjoy retirement with confidence, making them feel understood and supported.
His academic achievements include an AA from Hartnell College, a BS from Oregon State University, a Master of Science in Computer from the School of Advanced Technology, and a Master of Business Administration (MBA) from the School of Management of Binghamton University (SUNY). Joseph holds several prestigious designations: Certified Residential Specialist (CRS), Green Designation (GREEN), Pricing Strategy Advisor (PSA), Seniors Real Estate Specialist (SRES), Accredited Buyer's Representative (ABR®) and Accessory
Dwelling Unit Specialist (ADU).
He enjoys hobbies such as reading, traveling, cooking, swimming, and playing Chinese mahjong. Joseph and his college sweetheart recently celebrated their 46th wedding anniversary, and their son is a proud graduate of the Berkeley School of Law and Berkeley Goldman School of Public Policy, holding a JD/MPP.
He speaks Chinese (Cantonese & Mandarin) and English.
Volunteer Experience
* President: California Mortgage Broker Association--San Jose Chapter
* Board of Directors: NCCAR--Northern California Commercial Association of Realtors
* Broad of Director: South Bay Association of Mortgage Brokers
* Broad of Director: WGBA – Willow Glen Business Association
* Chair, Technical Committee: South Bay Association of Mortgage Brokers
* Chair, Lender Relations Committee: South Bay Association of Mortgage Brokers
* Education Committee Member: Santa Clara County Association of Realtors
* Project Banking: San Jose Unified School District
(Teaching fifth graders on “How to Balance Your Check Book”)
* Facilitator: Hugh O'Brian Youth Leadership (HOBY)
“Accumulate wake- up money beyond essential needs for a comfortable retirement at any age.” - Joseph C. Lam
Joseph Lam 林志明, CRS, SRES, MBA, is a dedicated Real Estate Broker & Reverse Mortgage Professional with over 35 years of experience. His unwavering commitment is to help homeowners aged 55+ access the equity in their homes through reverse mortgages, ensuring seniors can enjoy a more secure financial future. His dedication is evident in his various strategies, from investing in real estate, renovating houses, building an ADU, to exploring innovative uses such as securing lifetime income through annuities, maximizing Social Security benefits, funding Roth IRA conversions, etc.
His expertise, backed by an MBA in Business Administration and professional designations like CRS and SRES, has led to the successful closure of over $200 million in real estate and loan transactions. His extensive qualifications, including owning real estate rentals for over 20 years and co-authoring seven books, make him a trusted advisor. He also authors the Amazon’s #1 Best Seller "Modern-Day Reverse Mortgages." Through his work, Joseph helps homeowners uncover the hidden value in their homes to enhance their retirement and financial stability.
Joseph is a licensed professional with a Real Estate Broker License (DRE #01077762), a Loan Agent License (NMLS #2316396), and a Health, Life Insurance & Annuity License (CDI #0M76850). His academic achievements include an AA from Hartnell College, a BS from Oregon State University, a Master of Science in Computer from School of Advanced Technology and an MBA from School of Management of Binghamton University (SUNY).
Joseph holds several prestigious designations: Certified Residential Specialist (CRS), Green Designation (GREEN), Pricing Strategy Advisor (PSA), Seniors Real Estate Specialist (SRES), Accredited Buyer's Representative (ABR®) and Accessory Dwelling Unit Specialist (ADU). He enjoys hobbies such as reading, traveling, cooking, swimming, and playing Chinese mahjong. Joseph and his college sweetheart recently celebrated their 45th wedding anniversary, and their son is a proud graduate of the Berkeley School of Law and Berkeley Goldman School of Public Policy, holding a JD/MPP.
He speaks Chinese (Cantonese & Mandarin) and English.
"I can help you find, save, invest, and grow your money so you can live and breathe easier." Joseph
I am a business owner for over 30 years. I have a background as a business analyst, database specialist, loan officer, tax preparer, real estate consultant, instructor, mentor and author.
I support (a simplified version) the movement FIRE—Financial Independence, Retire Early! I am an International Best Selling Co-Author of ‘Creating Your Legacy’; Best Selling Co-Author of GameChangers & Co-Author of Short Sale 911 Manual. I also co-wrote the following e-book series ‘Home Advantage’, ‘The For Sale By Owner Guide’ and ‘Investment Property Made Easy’. I am also the author of the forth coming book ‘Hidden Money For Homeowners’. I help clients using real estate and modern day assest class to generate current income and create long-term sustainable wealth. My business philosophy is helping people, having fun and making money. Perhaps I can help you too!
In 1990, I founded Adtech Realty & Financial Corporation and served as the president until 2003. I operated a National Real Estate Franchise from 2003 – 2006. I was a Broker-Associate with Keller Williams Realty & I was an Instructor of Keller Williams University. I was a Broker-Associate with Coldwell Banker & Alliance Bay Realty. I am a Broker-Associate with eXp Realty of California, Inc.; I am also a financial services member with Exertus Financial Partners and I am the CEO of Homeowner Money Academy, LLC.
I hold a BS from Oregon State University, and a MS Computer Science & MBA from Binghamton University (SUNY). I am a CRS—Certified Residential Specialist, a SRES—Seniors Real Estate Specialist, an ADU—Accessary Dwelling Unit Specialist. I maintain my Real Estate Broker License DRE #01077762, the Health, Life Insurance & Annuity License, CDI #0M76850 and NMLS #2316396. I enjoy reading, travel, cooking and good foods, swimming and a game of Chinese ‘mahjong.’ You may also find me frequently heading up a Meetup group, or giving a seminar/webinar on business development and how to invest in real estate, life & annuity products, etc.; I married my college sweetheart and we just celebrated our 43rd anniversary; our son graduated from Berkeley School of Law & Berkeley Goldman School of Public Policy, JD/MPP Class 2021—and passed The (UBE) BAR.
I speak Chinese (Cantonese & Mandarin), English.
Volunteer Experience
• President: California Mortgage Broker Association--San Jose Chapter
• Board of Director: NCCAR--Northern California Commercial Association of Realtors
• Broad of Director: South Bay Association of Mortgage Broker
• Broad of Director: WGBA – Willow Glen Business Association
• Chair, Technical Committee: South Bay Association of Mortgage Brokers
• Chair, Lender Relations Committee: South Bay Association of Mortgage Brokers
• Education Committee Member: Santa Clara County Association of Realtors
• Project Banking: San Jose Unified School District (Teaching fifth graders on “How to Balance Your Check Book”)
• Facilitator: Hugh O'Brian Youth Leadership (HOBY)
Find my Blog on Medium:
• https://medium.com/@josephlam
Certificates & Designations
• NAR’s Green Designation / GREEN
• Certified Residential Specialist / CRS
• Seniors Real Estate Specialist / SRES®
• E-PRO®
• Short Sales & Foreclosure Resource / SFR®
• ADU Specialist™ accredited with Earth Advantage®, Inc.