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Home Reverse

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Legal Disclaimer:

These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Home Reverse is a marketing brand of American Retirement Group, Inc. | 6050 Santo Road, Ste 280, San Diego, CA 92124. All mortgage loans are brokered through Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | Equal Housing Opportunity | Equal Housing Lender. Licensed in 49 states. For licensing information, visit: nmlsconsumeraccess.org.

Barrett Financial Group, L.L.C. state licenses include: AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | CA 60DBO-46052 & 41DBO-148702 — Licensed by the Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act; loans made or arranged pursuant to a California Financing Law License | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 — Mortgage Broker and Lender | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS-181106 | SD ML.05340 | TN 204577 | TX | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211

For Reverse Mortgage Loans. When the loan is due and payable, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to the borrower, who may need to sell the home or otherwise repay the loan with interest from other proceeds. The lender may charge an origination fee, mortgage insurance premium, closing costs, and servicing fees, which are added to the balance of the loan. The balance of the loan grows over time and the lender charges interest on the balance. Borrowers are responsible for paying property taxes, homeowner's insurance, maintenance, and related taxes, which may be substantial. We do not establish an escrow account for disbursement of these payments. A set-aside account may be established in some cases to pay taxes and insurance. Borrowers must occupy the home as their primary residence and pay for ongoing maintenance; otherwise the loan becomes due and payable. The loan also becomes due and payable — and the property may be subject to a tax lien, other encumbrance, or foreclosure — when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, defaults on taxes, insurance payments, or maintenance, or does not otherwise comply with the loan terms. Interest is not tax-deductible until the loan is partially or fully repaid. Not all borrowers will qualify. Terms, conditions, and interest rates are subject to change without notice. Not all products are available in all states.

As a borrower, you are responsible for meeting the ongoing terms of the loan. This includes occupying the home as your primary residence, keeping current on property-related costs such as property taxes, applicable fees, and hazard insurance, and maintaining the property in good condition. If these obligations are not met, the loan may become due and payable.

The minimum age to qualify depends on your state and the specific reverse mortgage product. For a HECM, borrowers generally must be at least 62, while certain proprietary (jumbo) programs may be available to homeowners as young as 55.

Before moving forward, every reverse mortgage borrower is required to complete independent counseling to help determine whether the loan is a good fit for their situation. A reverse mortgage is not the right choice for every homeowner.

This website is for informational purposes only and is not intended as a commitment to lend. Home Reverse and American Retirement Group, Inc. do not guarantee approval, loan amounts, or terms. All loans are subject to credit and underwriting approval by the lender, brokered through Barrett Financial Group, L.L.C. Please consult with a licensed financial advisor or reverse mortgage specialist for guidance specific to your situation.

STATE OF ILLINOIS COMMUNITY REINVESTMENT NOTICE: The Department of Financial and Professional Regulation evaluates performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications. You may obtain a copy of this evaluation and submit signed, written comments about performance in meeting community financial services needs to the Department.

For Texas residents: View our complaint policy at barrettfinancial.com/texas-complaint

Complaints or inquiries may be directed to: [email protected] | (888) 274-0009

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