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Your Home,
Your Cash.

See how a reverse mortgage
can financially benefit you.
Give Us a Call
Get Your Guide to Reverse

Your Home, Your Cash.

See how a reverse mortgage can financially benefit you.

Give Us a Call

Get Your Guide to Reverse.

HOME LOAN SOLUTIONS THAT WORK

Explore Ways a Reverse Mortgage Can Help

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Eliminate monthly mortgage payments*

 

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Cover expenses or build an emergency fund

 

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Make home improvements

 

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Improve your lifestyle

 

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Purchase your forever home

 

*Borrower must pay property taxes, insurance, any HOA fees and maintain the property.

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SEE WHY PEOPLE TRUST US

"I really appreciate the follow up from the initial contact through every step of the process by our associate. I was able to quickly validate his authenticity from my existing mortgage lender, then the home inspection was very fair and accurate and much less stressful than I thought it would be. In the end our credit went up by about 100 points, freeing up a couple other debts and keeping the equity in our property at a perfect time to do so."

•  Kirk

"Awesome experience! Great to work with. Answered all my questions!"

•  Lisa

"I worked with Miles. He was great. Always answered my calls and emails so promptly. He explained the process as we went along. He is just a nice guy."

•  Stasie

"Very helpful and knowledgeable."

•  Travis

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Get Your Questions Answered

Reverse mortgages don't have to be scary

We get questions about reverse mortgage loans all the time; and we get it, they can be confusing. Luckily, we have answers to your frequently asked questions so you can make informed decisions.

What is a reverse mortgage?
What are the benefits of having a reverse mortgage?
How much money can I get?
A reverse mortgage loan allows homeowners to borrow money using their home as security for the loan as long as they live in the home.  When you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, you are not required to make monthly mortgage payments. Of course, the borrower must pay property taxes, insurance, HOA fees and maintain the property.

The loan becomes due and payable when you no longer live in the home or loan obligations aren’t met. Interest and fees are added to the loan balance each month and the balance grows. For more information get our free reverse mortgage guide.
The benefits of a reverse mortgage are numerous and include, but are not limited to:
  • Eliminating monthly mortgage payments*
  • Allowing you to stay in your home and in possession of your home*
  • Having access to tax-free2 cash
  • Non-recourse loan – not having to repay more than your home's worth
  • Giving you freedom to spend your cash on what you need or want
  • Only pay interest on funds borrowed
  • Unused HECM line of credit grows over time4
  • Payments can be made throughout the life of the loan to increase equity and pay down the loan balance
*Borrower must pay property taxes, insurance, HOA fees and maintain the property.
2Consult a tax advisor and appropriate government agency for any affect on taxes or government benefits.
4Not available on all products.
Loan proceeds are determined by several factors, such as the appraised value of the home, youngest borrower’s age (or eligible non-borrowing spouse’s age)4, product type, and the corresponding interest rate. To speak with a specialist about your specific situation, give us call at (858) 389-4214 today!

4Not available on all products.

READ MORE

Reverse Mortgage Education

Visit our blog to get your reverse mortgage questions answered.

The Reverse Mortgage Process

Traditional vs. Reverse Mortgages: What’s the Difference?

What Is a Reverse Mortgage?

READ MORE POSTS

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*Borrower must pay property taxes, insurance, any HOA fees and maintain the property.
**Age requirements differ by product and state.


This material is not from HUD or FHA and was not reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.

Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees, if applicable, may be assessed and will be added to the loan balance. As long as you comply with the terms of the loan (e.g., property must be principal residence of at least one borrower), you retain title until you sell or transfer the property. You are responsible for paying property taxes, insurance and maintenance. Failing to pay these amounts may cause the loan to become immediately due and/or subject to the property to a tax lien, other encumbrance, or foreclosure. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. At the maturity of the loan, the equity may no longer belong to you. The lender will have a claim against your property and you, or your heirs may need to sell the property or use other assets to repay the loan in order to retain the property. The loan becomes due and payable upon failure to comply with loan terms or when the last borrower leaves the home.

This information is not tax advice. Please consult a tax advisor regarding your specific situation. Not all products and options are available in all states. Terms subject to change without notice. Certain conditions and fees apply. This is not a loan commitment or offer to enter into an agreement. All loans are subject to approval, including age, property, and determination of ability to pay taxes, insurance, and maintenance.

©Smartfi Home Loans, NMLS# 1862952 (www.nmlsconsumeraccess.org.). Smartfi is headquartered at 3636 Nobel Dr., Ste 210, San Diego, CA 92122. Smartfi conducts business in the following states: AL, AR, AZ (BL#1033553), CA (CA loans made or arranged pursuant to a California Finance Lenders Law license 60DBO-144199) and (Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act 41DBO-143292), CO (Mortgage Company Registration), DC (District of Columbia Mortgage Dual Authority License No. MLB1862952), DE, FL, GA (Georgia Mortgage Lender License/Registration No. 1862952), IA, ID, IL (Illinois Residential Mortgage Licensee; Illinois Commissioner of Banks can be reached at 100 West Randolph, 9th Floor, Chicago, IL 60601, 312-814-4500), IN, KS (Kansas Licensed Mortgage Company MC.0025895), KY, LA, ME (1862952), MD, MI, MN, MS (Licensed by the Mississippi Department of Banking and Consumer Finance), MT, NC (L-202917), ND, NE, NH (Licensed by the New Hampshire Banking Department), NJ (Licensed by the NJ Department of Banking and Insurance and NJ RMLA-Licensed Mortgage Servicer Registration, NM, OH (RM.804501.000), OK, OR (ML-1862952, MS-1862952), PA (Licensed by the Pennsylvania Department of Banking 94533 & 105533), RI (Rhode Island Lender), SC, SD, TN, TX (Mortgage Banking Registration), UT, WA (Consumer Loan Company License No. CL-1862952), WI and WY (Mortgage Lender/Broker License No. 4505).

Smartfi is an equal opportunity lender. For questions or complaints, please email us at: clientcare@smartfihomeloans.com. For information our privacy practices, please visit https://www.smartfihomeloans.com/privacy. SFHL-DIS-NAT-011625.

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Reverse Mortgage Guide – Digital


Reverse Mortgage Digital Guide Overview

Reverse Mortgage Guide Digital

Trifolds


Choice for Condos

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Why Reverse

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How to Use Your Home to Free Up Cash

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How to Use Your Home to Free Up Cash

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An Introduction to Reverse Mortgages

How a Reverse Mortgage Works After the Borrower’s Death

How to Edit the Open House Flyer in Canva

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How to Price a Loan with Smartfi

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