FINANCIAL AND ESTATE PLANNING

With a Government Guaranteed Reverse Mortgage

No Credit or Income Requirements!

You have finally retired! But wait, what if?????

• Your home drops in value?
• Your stock and bond portfolio declines in value?
• Inflation cripples your purchasing power?
• Unexpected expenses ravage your savings?
• Higher taxes affect your quality of life?
• You outlive your money?

A Reverse Mortgage Line of Credit can protect you from both inflation and real estate devaluation, providing financial protection in your most vulnerable years.

Any senior over the age of 62 should consider a Reverse Mortgage Line of Credit (LOC) to enhance their long term financial and estate planning goals.

Example: From July, 1993 through June, 2008 the index averaged 4.21%. Adding the 2.0% Margin and the .5% FHA Insurance the Growth rate of the LOC would have averaged 6.71%. Based on rates effective 9-24-2008.

Home Value     Interest rate     Available LOC         Closing Costs

$360,000.00         6.71%             $202,433.00                 $19,330.00

Available LOC after 15 Years

CC’s are financed $552.307.00

CC’s are paid cash $604,773.00

Available LOC after 20 Years

CC’s are Financed $771,757.00

CC’s are paid cash $845,070.00

What if interest rate increased by 1%

Available LOC after 15 Years

CC’s are financed $641,115.00

CC’s are paid cash $702,024.00

Available LOC after 20 Years

CC’s are Financed $941,501.00

CC’s are paid cash $1,030,948.00