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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, LLC, 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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