Be a wise bird

THIS PROGRAM CAN CHANGE YOUR LIFE!

Can you use cash for home repairs or for monthly expenses? Want a new boat? New car? Medical bills? Dream vacation or world cruise? Want to enjoy a better retirement lifestyle? The federally-insured HECM PROGRAM can provide you with the cash you need now with no monthly payments ever.

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HERE ARE THE FACTS: A SAFE FEDERALLY INSURED PROGRAM TAX-FREE INCOME NO REPAYMENT UNLESS YOU MOVE OR DIE RETAIN FULL OWNERSHIP USE CASH FOR ANYTHING YOU WANT OK — WITH SOCIAL SECURITY & MEDICARE MUST BE 62 OR OLDER NO INCOME OR CREDIT REQUIREMENTS

A Reverse Mortgage is a special type of mortgage that enables you, as an older homeowner, to tap the equity you have in your home while giving you the maximum amount of flexibility to address your particular financial needs, whether it is a lump sum to pay an unexpected hospital bill or a stream of regular payments to supplement your monthly income. Unlike traditional home equity loans, no re-payment is required for as long as you live in your home.

With a reverse mortgage, you receive a portion of your home's equity according to the payment or income plan that you select. You are permitted to change the way the money is paid to you at any time after origination, and you may change this as many times as you wish.

When you sell your home or vacate it for other reasons, the accrued interest plus what you have received or has been paid on your behalf through the years is due and usually is paid when the house is sold. Any proceeds in excess of the amount owed the lender are paid to you or to your estate. Your heirs will never be required to pay out-of-pocket, even if the HECM amount you have received, including costs and interest, exceeds the value of the house!