Page 1 - AAG137_Jumbo Home Equity Strategies Flyer

Home Equity as a Strategic Solution

Longevity, Lifestyle, Liquidity

and Legacy for the Affluent

Do you serve families with homes valued over $1 million? Today, Americans need more Primary financial
financial help than ever to maintain their standard of living in retirement. If your client concerns around
owns a high-value home, make sure they are getting the most out of it with AAG’s retirement:
Advantage jumbo reverse mortgage loan. Showing your clients how they can use home
equity to improve their retirement will enhance your value as their trusted advisor.

Here are just some of the ways that the Advantage loan from AAG may help your Longevity: Will I
clients meet their retirement needs and goals: have enough to meet
my basic needs?
3 No monthly mortgage payments (borrowers must continue to pay property
taxes, homeowners insurance, and home maintenance costs)
Lifestyle: Will I be
3 Gain access to more equity on high-value properties able to do the things

3 No capital gains or income tax on loan distributions 1 I want to do? Eat at
decent restaurants,
3 Access all of your loan proceeds in one lump sum spend money on
grandkids, travel, etc.
3 No mortgage insurance required, often saving thousands of dollars over
other reverse mortgage options

As your local Reverse Mortgage Professional with American Advisors Group (AAG), I Liquidity: Will
can discuss these and other strategies with you and your team — and if you’d like, your I have access to
clients. funds in the event of
unforeseen expenses,
Please call me to set up an appointment to come in and show you and your team how such as health care,
the strategic use of home equity is significantly changing retirements for the better. in home care, home
renovation, etc.
I look forward to hearing from you!

Legacy: Will I
have something to
leave for my children,
grandchildren, or
For industry professionals only - not intended for distribution to the general public.
1 Capital gains taxes are only due upon a sale. A Jumbo Reverse Mortgage is a loan, secured by a mortgage on the home, and does others? What am I
not require sale of the home. The proceeds of a loan are not taxable as income. leaving beyond my
NMLS# 9392 (www.nmlsconsumeraccess.org). American Advisors Group (AAG) is headquartered at 3800 W. Chapman Ave., 3rd & 7th money?
Floors, Orange CA, 92868. AAG Advantage reverse mortgage loans are only offered in the following states: AZ (BK_0911141), CA (CA
Loans made or arranged pursuant to a California Finance Lenders Law license (603F324) and Licensed by the Department of Busi-
ness Oversight under the California Residential Mortgage Lending Act (4131144)), CT, CO (Regulated by the Division of Real Estate;
to check the license status of your mortgage loan originator, visit http://www.dora.state.co.us/real-estate/index.htm), D.C. (District
of Columbia Mortgage Dual Authority License No. MLB9392), FL, GA (residential Mortgage Licensee #22849), HI, ID, IL (Illinois Resi-
dential Mortgage Licensee; Illinois Commissioner of Banks can be reached at 100 West Randolph, 9th Floor, Chicago, Illinois 60601,
(312)814-4500), LA, MI, NJ (Licensed by the N.J. Department of Banking and Insurance), NV, OH (MBMB.850159.000), OR (ML-4623),
PA (Licensed by the Pennsylvania Department of Banking 28356), RI (Rhode Island Licensed Lender), SC, TX (Mortgage Banker Regis-
tration, 13785 Research Blvd, Ste. 125, Austin, TX 78750), UT, VA (Licensed by the Virginia State Corporation Commission MC – 5134).

Reverse mortgage loan terms include occupying the home as your primary residence, maintaining the home, paying property
taxes and homeowners insurance. Although these costs may be substantial, AAG does not establish an escrow account for
these payments. However, a set-aside account can be set up for taxes and insurance, and in some cases may be required. Not
all interest on a reverse mortgage is tax-deductible and to the extent that it is, such deduction is not available until the loan is
partially or fully repaid. AAG charges an origination fee, mortgage insurance premium (where required by HUD), closing costs
and servicing fees, rolled into the balance of the loan. AAG charges interest on the balance, which grows over time. When the
last borrower or eligible non-borrowing spouse dies, sells the home, permanently moves out, or fails to comply with the loan
terms, the loan becomes due and payable (and the property may become subject to foreclosure). When this happens, some or
all of the equity in the property no longer belongs to the borrowers, who may need to sell the home or otherwise repay the loan
balance. V2019.04.17_OR
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