First Name:     Last Name:     Phone Number:     Alternate Phone Number:     E-mail Address:   Age of Youngest Homeowner: Select 62 in 90 days Less than 62 62-65 66-70 71-75 76-80 81-85 Over 85 Estimated Home Value: Select Est. Value 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 450,000 450,001 - 500,000 500,001 - 550,000 550,001 - 600,000 600,001 - 650,000 650,001 - 700,000 700,001 - 750,000 750,001 - 800,000 800,001 - 850,000 850,001 - 900,000 900,001 - 950,000 950,001 - 1,000,000 1,000,000+ Estimated Mortgage Balance: Select Est. Balance 0 0 - 5,000 5,001 - 10,000 10,001 - 15,000 15,001 - 20,000 20,001 - 25,000 25,001 - 30,000 30,001 - 35,000 35,001 - 40,000 40,001 - 45,000 45,001 - 50,000 50,001 - 55,000 55,001 - 60,000 60,001 - 65,000 65,001 - 70,000 70,001 - 75,000 75,001 - 80,000 80,001 - 85,000 85,001 - 90,000 90,001 - 95,000 95,001 - 100,000 100,001 - 105,000 105,001 - 110,000 110,001 - 115,000 115,001 - 120,000 120,001 - 125,000 125,001 - 130,000 130,001 - 135,000 135,001 - 140,000 140,001 - 145,000 145,001 - 150,000 150,001 - 155,000 155,001 - 160,000 160,001 - 165,000 165,001 - 170,000 170,001 - 175,000 175,001 - 180,000 180,001 - 185,000 185,001 - 190,000 190,001 - 195,000 195,001 - 200,000 200,001 - 210,000 210,001 - 220,000 220,001 - 230,000 230,001 - 240,000 240,001 - 250,000 250,001 - 260,000 260,001 - 270,000 270,001 - 280,000 280,001 - 290,000 290,001 - 300,000 300,001 - 310,000 310,001 - 320,000 320,001 - 330,000 330,001 - 340,000 340,001 - 350,000 350,001 - 360,000 360,001 - 370,000 370,001 - 380,000 380,001 - 390,000 390,001 - 400,000 400,001 - 450,000 450,001 - 500,000 500,001 - 550,000 550,001 - 600,000 600,001 - 650,000 650,001 - 700,000 700,001 - 750,000 750,001 - 800,000 800,001 - 850,000 850,001 - 900,000 900,001 - 950,000 950,001 - 1,000,000 1,000,000+ Zip Code: **All fields must be completed

Top 10 Reverse Mortgage FACTS!!! A HECM reverse mortgage is an FHA (Federal Housing Administration) government-insured program for seniors age 62 or over living in their home as their primary residence. There are No Monthly Mortgage Payments!! There are NO credit, income or health requirements. Even if you are behind on your mortgage payments, you may still qualify for a reverse mortgage!! All reverse mortgage proceeds are tax-free!!! (consult your tax advisor for more details) You retain title to your home: You are still the owner of your home and your equity. The homeowner must continue to maintain and pay taxes and insurance on the property. The HECM reverse mortgage is a non-recourse loan*, which means HUD guarantees that you will never owe more than what the home is worth!! If you can't sell your home for the amount owed on the reverse mortgage, then the government takes the loss!! Your proceeds may be used for any purpose-from everyday necessities to setting aside a cash reserve. There is no repayment penalty if you pay off the loan or sell your home. You don't have to own your home free and clear to obtain a reverse mortgage. The older you are, the less equity you need to qualify with no money out of pocket!! Most Federal benefits, including Social Security, are not affected by your reverse mortgage proceeds. Common Misconceptions Misconception #1: "I will have to sign over the title, and the government or bank will own my home." You NEVER relinquish the title to your home. You own it until you sell it or pass it on to your heirs. The homeowner must continue to maintain and pay taxes and insurance on the property. Misconception #2: "The lender will take my house when I run out of reverse mortgage funds...I will be thrown out of my house." The purpose of a reverse mortgage is to help seniors remain in their home! The reverse mortgage is not due until the last surviving borrower permanently leaves the residence, regardless of the balance of reverse mortgage funds. Misconception #3: "When the reverse mortgage comes due, the lender will sell my house." Repayment typically comes from the sale of the home, but it is up to the homeowner or the estate to sell the home. Once the home is sold, the borrower or estate pays the reverse mortgage balance and keeps any and all remaining funds. Misconception #4: "I will owe more than my home is worth, passing on a debt to my children." Reverse mortgages are non-recourse loans. This means neither you nor your heirs will ever owe more than the amount for which you can sell your home. Misconception #5: "I won't qualify because of my credit or my lack of income." Income and credit scores are not factors for qualifying for a reverse mortgage. Even if you are behind on your mortgage payments, you may still qualify for a reverse mortgage. Misconception #6: "I must own my home 'free and clear'." To qualify for a reverse mortgage, your home does NOT have to be owned "free and clear." Any existing mortgage will be paid off first with the funds. The homeowner will receive the remaining funds, if any. Misconception #7: "I'm not poor. I don't need a reverse mortgage." Reverse mortgages are not just for those with financial needs. Seniors today are using this program for many purposes like estate planning, improving their standard of living, home remodeling, etc. Misconception #8: "I don't want to pay taxes on the money I get from a reverse mortgage." The IRS does not consider loan proceeds from a reverse mortgage to be considered as income. The lump sum or monthly payments you are receiving are advances on your own equity. Consult your tax advisor for more information. Call us today toll-free at 1-800-250-8810 to speak with a reverse mortgage expert or complete the "Quick Quote" form to find out how much money is available to you today.

All homeowners must be 62+ to qualify Home must be your primary residence 20-50% equity is required depending on age

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