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Meet Your Hosts
Deborah Criddle
Deborah is a mortgage professional of 30 years who specializes in HECM mortgages for homeowners age 62 and older. At the seminar, Deborah will explain how HECM reverse mortgages work and when they may be appropriate. A HECM (Home Equity Conversion Mortgage) is a federally insured reverse mortgage that allows eligible homeowners to convert a portion of their home equity into cash without monthly mortgage payments, with repayment due when the home is sold or no longer the primary residence. She will also cover eligibility requirements, available payout options, built-in consumer protections, and common misconceptions so attendees can make informed decisions.
Regal Mortgage | Branch Manager | NMLS 20009
Joe Fairbank
Joseph D. Fairbank is a shareholder at Beard St. Clair Gaffney where he has over ten years of experience helping both businesses and individuals navigate complex legal matters. He specializes in business transactions, estate planning, probate and guardianships. Joe believes in building lasting relationships with his clients, founded on trust, clear communication, and a commitment to helping them achieve their goals.
Nicky Moon
Nicky Peterson Moon is a committed real estate professional proudly serving the Idaho Falls market. With several years of industry experience, she has established herself as a knowledgeable, dependable, and client-focused agent who brings professionalism and integrity to every transaction. Deeply rooted in the Idaho Falls community and the proud mother of five children, Nicky understands the importance of home, family, and long-term stability. This perspective guides her approach to real estate, allowing her to connect with clients on a personal level while providing the expertise needed to navigate an ever-changing market. Recently married to fellow real estate professional Tony Moon, Nicky has officially joined forces with him to form a strong and service-oriented real estate team. Combining their complementary strengths and shared commitment to client success, they bring a higher level of collaboration, communication, and market insight to buyers, sellers, and investors throughout Southeast Idaho.
Tony Moon
Tony Moon is an experienced real estate professional based in Idaho Falls, Idaho, serving both residential buyers and sellers as well as real estate investors throughout Eastern Idaho. With over 18 years of industry experience, Tony brings a deep understanding of market cycles, property valuation, and strategic deal structuring to every transaction. Tony has been an Accredited Member of the National Association of Realtors® since 2006, reflecting his long-standing commitment to ethical standards, professional education, and client advocacy. Throughout his career, he has been affiliated with respected brokerages including HomeRiver Realty, Century 21 High Desert, and eXp Realty, LLC, allowing him to leverage advanced technology, expansive marketing platforms, and a broad professional network for the benefit of his clients. His expertise spans residential real estate, investment and income-producing properties, commercial assets, and real estate consulting. Tony is particularly known for working with investors, helping them identify opportunities, analyze cash flow and appreciation potential, structure creative financing solutions, and build scalable real estate portfolios. He also guides homeowners through efficient, strategic home sales in competitive markets, focusing on pricing, positioning, and negotiation to maximize value. Tony’s approach is highly consultative and data-driven. Clients value his ability to explain complex transactions clearly, anticipate challenges before they arise, and tailor strategies to both short-term goals and long-term financial objectives. Whether assisting first-time buyers, seasoned investors, or sellers navigating major life transitions, Tony is known for his professionalism, transparency, and results-oriented mindset.
Above all, Tony Moon is dedicated to building long-term relationships, not just closing transactions, serving as a trusted advisor for clients at every stage of their real estate journey.