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Leadership
Michael A. Ciardi
Carefree Retirement Funding, LLC, led by founder Michael A. Ciardi, combines his 30+ years of industry experience to help borrowers and seniors achieve their financing goals to secure their financial future. He has specialized in originating tailored mortgage financing solutions, including Home Equity Conversion Mortgages (HECMs), that allow seniors to tap into home equity for a worry-free retirement. Michael prides himself in providing exceptional service to meet each client's unique needs.
Michael Ciardi’s career has been dedicated to guiding seniors through complex financial decisions with integrity and expertise. As an experienced mortgage originator and former commercial bank VP, he has a deep understanding of the financial challenges facing Baby Boomers and seniors. Through Carefree Retirement Funding, Michael champions the federally administrated and insured Home Equity Conversion Mortgage (HECM).
His dedication to delivering effective mortgage solutions has earned him a reputation as a trusted resource for financial professionals and clients alike.
Carefree Retirement Funding, LLC, led by founder Michael A. Ciardi, combines his 30+ years of industry experience to help borrowers and seniors achieve their financing goals to secure their financial future. He has specialized in originating tailored mortgage financing solutions, including Home Equity Conversion Mortgages (HECMs), that allow seniors to tap into home equity for a worry-free retirement. Michael prides himself in providing exceptional service to meet each client's unique needs.
Michael Ciardi’s career has been dedicated to guiding seniors through complex financial decisions with integrity and expertise. As an experienced mortgage originator and former commercial bank VP, he has a deep understanding of the financial challenges facing Baby Boomers and seniors. Through Carefree Retirement Funding, Michael champions the federally administrated and insured Home Equity Conversion Mortgage (HECM).
His dedication to delivering effective mortgage solutions has earned him a reputation as a trusted resource for financial professionals and clients alike.
Meet Our Team
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David Bivens
David, with 20+ years of mortgage origination, insurance and real estate experience to draw on prides himself in providing the highest level of service to borrowers to help them find the specific loan program that meets their financing objectives.
Frank Lillo
Frank, is a seasoned real estate and financial professional with over 30 years of consultative experience. As a loan originator since 2001, he has built a reputation for professionalism, attention to detail, and client-centered service. Frank assists clients with residential, investment, and commercial transactions, focusing on personalized guidance to meet their financial and real estate goals.
