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Purchase Power


          Purchase Smart. Purchase Better.
















                           10 Reasons to Consider a Home Equity Conversion
                                    Mortgage (HECM) for Purchase Loan



            1.  Increase your cash flow with no monthly          8.  Confidence in ownership as title will remain in
              mortgage payments. (Borrower must continue to         your name so long as you comply with the loan
              pay property taxes and homeowner’s insurance,         terms.
              maintain the home, and otherwise comply with
              the loan terms.)                                   9.  Access to a dedicated team that will guide you
                                                                    through the process.
            2.  Afford more home with the same cash
              investment.                                        10.  Take control of your retirement and live the life
                                                                     you deserve!
            3.  Keep more cash in your pocket: closing costs are
              included in the loan.

            4.  Never owe more than the value of your home            Connect with me today and
              upon loan maturity.
                                                                        improve your tomorrow!
            5. Create financial flexibility.

            6.  Have the comfort of buying a home that aligns
              with your desired lifestyle.

            7.  Peace of mind that your loan is insured by the
              Federal Housing Administration (FHA).



     These materials are not from HUD or FHA and were not approved by HUD or a government agency.
     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, the lender 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.

     The lender charges an origination fee, mortgage insurance premium (where required by HUD), closing costs and servicing fees, rolled into
     the balance of the loan. The lender charges interest on the balance, which grows over time. When the last borrower or eligible nonborrowing
     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.
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