Introducing a powerful new retirement financing tool that allows your clients to maximize home equity: The HomeSafe reverse mortgage.

Similar to a jumbo loan, clients age 62 or older can now access significantly more home equity than the HECM loan limits allow. That could help them fund a more comfortable and secure retirement while keeping productive assets invested under your management.

HomeSafe loan proceeds are tax-free,* with a competitive fixed interest rate that’s lower than you might expect.

Compared to a Home Equity Conversion Mortgage (HECM), HomeSafe offers these great advantages

• Loan limits of up to $4 million —significantly higher than a HECM allows

• No mortgage insurance premium

• Borrowers now have the Flex1 option to receive part of their proceeds as monthly term payments (over a 12-60 month period), OR as a lump sum

• Condominiums appraised at $500,000 or more do not require FHA approval

Clients can use proceeds as they choose: Fund a more comfortable and secure retirement.For example:

• Pay off existing mortgage debt, have no monthly mortgage payments** and improve cash flow

• Preserve invested assets

• Cover medical or in-home care expenses

• Refinance an existing reverse mortgage to access a larger pool of funds

Synergy One Lending Inc. d/b/a Retirement Funding Solutions, NMLS 1025894. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency.

RFS.0719.65

Help YourClients Retire

as Well as They’ve Lived

The jumbo proprietary financing tool

* Not tax advice. Consult a tax professional.

** The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid.

For business and professional use only. Not for consumer distribution.This material is not from HUD or FHA and has not been approved by HUD or any government agency. The HomeSafe reverse mortgage is a proprietary product of Finance of America Reverse LLC, and is not affiliated with the Home Equity Conversion Mortgage (HECM) program. HomeSafe® is currently available in AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, LA, NJ, NV, OR, PA, RI, SC, TX, VA, WA, OH and UT.

The HomeSafe Flex option is available in limited states. Call for details.

Synergy One Lending Inc. d/b/a Retirement Funding Solutions, NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Arizona Mortgage BankerLicense 0926603; Arkansas Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; California Lenders Law License #60DBO93110. District of Columbia Mortgage Dual Authority License MLB1025894; Hawaii Mortgage Loan Originator Company License#HI-1025894; Illinois Residential Mortgage Licensee #MB.6761115; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Minnesota Residential Mortgage Originator Exemption #MN-OX-1025894; Nevada Exempt Company Registration 4830. Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department – New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; Oregon Mortgage Lending License ML- 5208; Rhode Island Lender License #20163229LL. Rhode Island Loan Broker License #20163230LB; Vermont Lender License 6891. Washington Consumer Loan Company License CL-1025894. (866) 200-3210. Subject to Credit Approval.

Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. As long as you comply with the terms of the loan, you retain title until you sell or transfer the property, and, therefore, 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 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. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan, or use other assets to repay the loan in order to retain the property.

These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency.

www.nmlsconsumeraccess.org

Dan Casagrande | NMLS: 561104Reverse Mortgage ConsultantPhone (408) 297-0000dcasagrande@RFSLends.comwww.ReverseManDan.com

“Mass Affluent”Now Tapping into Reverse Mortgages“If you draw from a reverse mortgage credit line and allow a volatile portfolio to recover, there’s a far better chance there will be money flowing through a 30-year retirement.”

Barry SacksCalifornia tax attorney

Huffingtonpost.com, Buck Wargo,Sr. Editor, NowItCounts.com07/07/2015

Contact me to learn more about the HomeSafe jumbo reverse mortgage and how it may help your clients’ long-term retirement strategy.

Synergy One Lending Inc. d/b/a Retirement Funding Solutions, NMLS 1025894. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency.

RFS.0719.65

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