As a financial planner it’s your job to help increase

positive outcomes in your client’s retirement.

Home Equity is often an asset that is overlooked, but a

Federally-insured Home Equity Conversion Mortgage (HECM), commonly known as a Reverse Mortgage, has many uses and can be a great tool to incorporate as part of your client’s overall retirement strategy.

Use a HECM to

eliminate a monthly mortgage payment

and free up

retirement funds

for all of life’s

other expenses.

Use a HECM to

supplement the

retirement income

gap from living

longer than expected by

providing monthly

tax free income.

Use a HECM Line of Credit (LOC) to fund long-term care solutions and other spending shocks.

The earlier opened,

the more the

credit line will grow.

Use a HECM for

Purchase to buy a new home that is the right size for them at this stage in life without needing to dip into

retirement accounts.

The housing and residential financing offered herein is open to all without regard to race, color, religion, gender, sexual orientation, handicap, familial status or national origin.

This information is provided to mortgage professionals only and not for distribution to consumers. Our products and services have no affiliation with or endorsement from any government agency or body. We are not accepting loan applications for HECM loans in the state of MA. Consumers with a Reverse Mortgage can lose their home if they fail to comply with the loan terms, which include, among other terms, paying property taxes, homeowners insurance and HOA dues (if applicable) on time, maintaining the subject property as their primary home, etc. The person retains title to the property that is the subject of the reverse mortgage until the person sells or transfers the property and is therefore responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts may cause the reverse mortgage loan to become due immediately and may subject the property to a tax lien or other encumbrance or to possible foreclosure. Interest on a reverse mortgage is not deductible from the person’s income tax return until the person repays all or part of the reverse mortgage loan. At the conclusion of the term of the reverse mortgage loan contract, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to the person and the person may need to sell or transfer the property to repay the proceeds of the sale or transfer or the person must otherwise repay the reverse mortgage with interest from the person's other assets. The lender will charge an origination fee, a mortgage insurance premium, closing costs or servicing fees for the reverse mortgage, all or any of which the lender will add to the balance of the reverse mortgage loan. The balance of the reverse mortgage loan grows over time and the lender charges interest on the outstanding loan balance.

Raymond Moreno

NMLS 403982

Mortagage Loan Officer, Residential Mortgage Loan Originator

D: (956) 477-4570

raymond.moreno@swmc.com

raymondmoreno.sunwestmortgage.com

18303 Gridley Rd.

Cerritos, CA 90703

For Texas residents only. Raymond Moreno is licensed in TX. All products are subject to credit and property approval. Program terms and conditions are subject to change without prior notice. Other restrictions and limitations apply. The content here does not substitute for professional legal, securities, tax or accounting advice. Sun West Mortgage Company, Inc. (NMLS ID # 3277, www.nmlsconsumeraccess.org) in Texas as a Residential Mortgage Loan Originator holds a Texas-SML Mortgage Banker Registration, licensed by the Texas Department of Savings and Mortgage Lending, Phone: (512) 475-1350. Please refer to https://www.swmc.com/TXdis to view Texas Complaint Notice and Servicing Disclosure. For licensing information, go to: www.nmlsconsumeraccess.org. Visit https://www.swmc.com/disclaimer for the full list of license information. In all jurisdictions, the principal (Main) licensed location of Sun West Mortgage Company, Inc. is 18303 Gridley Rd., Cerritos, CA 90703, Phone: (800) 453-7884.