Key to the 2 million purchase transactions you may have missed.

1. KEY TO THE 2 MILLION
PURCHASE
TRANSACTIONS YOU MAY
HAVE MISSED
UNLOCKING
OPPORTUNITIES

2. OverviewMeet the Presenter
My Story
A Definition
My Hypothesis
Quantify X
Elements of X
Making Great X
Comparing X to Y
History of X
Trends in X
Key Takeaways
Tips for X
Call to Action
AGENDA
♦ The Market Potential
♦ REVERSE MORTGAGE
OVERVIEW
♦ Strategic Uses
♦ Your Opportunity
♦ Supporting Your Business
♦ Our Team
2

3. 3
UNDERSTANDING THE
MARKET POTENTIAL
Driving Force in
Retirement Community
10,000 Baby Boomers each day will hit
retirement age (Americans born between 1946 & 1964)
39% of home purchases in 2020 were
made by baby boomers and older
1 in 3 retirees would like to live elsewhere
$10.2T
In Home Equity controlled by 62+
88%
Prefer to “age in place”
Only 3.8% of homes are
accessible to people with mobility
constraints
73MM
55+ Homeowners

4. WHAT IS A REVERSE MORTGAGE
Mortgage loan that increases purchasing power for buyers

Enables buyers to maintain liquidity with optional monthly
mortgage payments (P&I) *

Offers variety of products for Homeowners
Refinance & Purchase: Age 62+ HECM | Age 55+ Proprietary

The available line of credit can grow over time

Loan balance plus any accrued interest does not have to be
repaid to the lender until a maturity event occurs

4
Buyers required to remain current on paying property taxes,
HOl, and HOA payments, and maintain property condition

5. 5
REVERSE MORTGAGE OPTIONS
1
Used on
various
property types:
FIXED & ARM
LOAN OPTIONS
 Single Family,
 2-4 Unit,
 Townhouse,
 PUD,
 FHA/HUD-Approved
Condominium,
 Manufactured Home 2
HECM FOR
PURCHASE (H4P)
FHA-insured,
non-recourse loan
$1,089,300 FHA
Max Claim amount
For borrowers age 62+
Offered in 49 states
(except NY)
3
Non-FHA-
insured loan
PROPRIETARY
JUMBO
MORTGAGE
 For borrower(s)
age 55+
 $4MM in Loan Amount
 $10MM Max Claim Amount
 Offered in select states

6. 6
LET’S COMPARE
REVERSE TRADITIONAL (FORWARD)
No √ Yes
Optional Mandatory
Non-Recourse Borrower Responsible
Maturity Event End of Loan Term (15 or 30 year)
Fixed or Adjustable Rates Fixed or Adjustable Rates
Residual Income Limits Debt to Income Ratios
VS
FICO Score
Monthly Payment
Loan Amount > Home Value
Term
Income Requirements
Product Options
Borrowers on Title Borrowers on Title
Property Ownership
Pay Property Taxes, HOI, Flood HOA Pay Property Taxes, HOI, Flood HOA
Property Charges
FHA UFMIP and MIP FHA UFMIP and MIP
Mortgage Insurance

7. 7
MISCONCEPTIONS
Home must be debt free before client
can qualify!
FALSE! One of the most popular
reasons homeowners do a reverse
mortgage is to payoff an existing
mortgage or a HELOC.
FALSE! Just like a traditional mortgage, the
owner remains on the title, so long as they
continue to pay property taxes,
homeowner’s insurance and comply with
loan terms.
Lender takes ownership of the home!
FALSE! If the home value is less than the
mortgage balance, FHA insurance pays
the difference upon loan maturity.
The borrower and/or heirs will be left with
debt in excess of the home’s value!
FALSE! Reverse Mortgage also provides
additional opportunities for mass affluent
seniors looking to enhance retirement
strategies.
FALSE! Like a traditional mortgage a reverse
mortgage is paid off when the home is sold
(no prepayment penalty).
I will no longer be able to sell my home!
Reverse Mortgage is only used as
last resort for seniors without
assets!

8. 8
John (age 74) & Jackie (age
69)
Looking to purchase $600K Home
Keep monthly payment to $0
Own home free and clear
Family size 2
Want to move closer to grandkids
and upsize to 2,500 sq ft property
Selling current home for 550K and
net 500K from sales proceeds
PURCHASING POWER WITH REVERSE
MORTGAGE
Purchase Options Traditional (Forward) Reverse
Cash available from home sale $500,000 $500,000
New home purchase price $600,000 $600,000
Reverse Mortgage N/A $253,200
Settlement Including Closings Costs Short to Close
(100K delta from home sale +
closing costs)
$365,630 Down Payment/Fees
$134,370 Cash Left
Monthly Principal & Interest $1,119 est.
(CONV, L.A $234,370, 4% rate)
$0
(payment optional)
Taxes & Insurance
(annual taxes $5,500 / HOI $1,500)
$583 est. $583 est.
Total PITI $1,702 $583 est.
Income Needed to Qualify (DTI vs. RI)
Traditional financing 50% max DTI, Reverse
RI)
$3,404 DTI (est.)
($1702/50% est.)
RI $1,931
($583 TI + $998 fam size +
$350 sq. ft utility charges)
Let’s assume John & Jackie decide to obtain a traditional Forward
mortgage with the same Down Payment amount as on the Reverse!

9. 9
FUNDAMENTALS TO UNDERSTAND
How much equity can I access?
01 Age
02 Interest Rates
03 Home Value
How can I access the equity?
01 Tenure payment
02 Term Payment
03 Revolving LOC
LOC – Line of credit

10. 10
FUNDAMENTALS TO UNDERSTAND
Your total credit line
(principal limit) will increase
monthly at the same rate at
which an outstanding
balance will accrue interest
(interest rate + mortgage
insurance premium).
Line of Credit
Growth
Example
Home Value: $600,000
Total Line of Credit (Principal Limit): $300,000
Payoff previous mortgage +
financing cost:
$100,000
Available Credit: $200,000
(total line – outstanding balance)
Interest Rate: 4.50%
Mortgage Insurance Premium: 0.50%
Credit Line Growth Rate: 5.0%

11. 11
LINE OF CREDIT GROWTH
Start Year 1 Year 5 Year 10 Year 25
Home Value $600,000 $624,000 $729,992 $888,147 $1,599,502
Total Credit
Line
$300,000 $315,349 $385,008 $494,103 $1,044,387
Balance Owed $100,000 $105,116 $128,336 $164,701 $348,129
Available
Credit
$200,000 $210,232 $256,672 $329,402 $696,258
If you choose not to make any payments, what will happen?
Home Value: $600,000
Total Line of Credit (Principal Limit): $300,000
Payoff previous mortgage + financing cost: $100,000
Available Credit: $200,000
(total line – outstanding balance)
Interest Rate: 4.50%
Mortgage Insurance Premium: 0.50%
Credit Line Growth Rate: 5.0%

12. 12
LINE OF CREDIT GROWTH
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
$1,400,000
$1,600,000
$1,800,000
Start Year 3 Year 5 Year 10 Year 15 Year 20 Year 25
Line of Credit Growth
Home Value (4%) Credit Facility Oustanding Balance
Available
Equity
Total
Equity

13. 13
LINE OF CREDIT GROWTH
$0
$200,000
$400,000
$600,000
$800,000
$1,000,000
$1,200,000
Start Year 3 Year 5 Year 10 Year 15 Year 20 Year 25
Line of Credit Growth
Home Value (1%) Credit Facility Oustanding Balance
Available
Equity
Total
Equity
“What if my home appreciates at less than 4%?”

14. 14
Strategic Uses of a Reverse
Mortgage
Asset Strategy
Help retirement
savings last longer
Mortgage Payoff
Paying off existing mortgage
(requirement of the loan)
Cover Bills
Paying off medical bills,
vehicle loans, credit cards or
other high interest debts
Retirement Home
Purchasing a retirement home
that best fits their needs
(right size, move closer to family)
Home Repair
Funding home repairs,
modifications, or
renovations
Line of Credit
Establish a LOC for
unexpected
expenses or
opportunities
Social Security
Bridging social
security deferral gap
In-Home Care
Fund or Supplement
in-home care
Gift
Proceeds can be used for
almost any reason,
including inheritance
STRATEGIC USES OF A REVERSE MORTGAGE

15. For business and professional use only. Not for consumer distribution Page| 15
Service is
everything!®
Portfolio of Lending Products
Service is
everything!®
Traditional Mortgage Specialty Loans
Reverse Mortgage
Adults 62+ (all states)
FHA Lending Limit of $1,089,300
CONV
(Fannie/Freddie)
Bridge Loans
55+ Specialty
Reverse Mortgage
Home Equity
Conversion Mortgage
Adults 55+ (select states)
up to $4MM Loan Amount
VA
FHA
USDA
DPA
Jumbo (up to $3MM) SBA
Non-QM
(Bank statement loan)
Construction
(residential and commercial)
Lot Loans / Land Loans
Fix & Flip Loan
All products are not available in all states. All options are not available on all programs. All programs are subject to
borrower and property qualifications. Rates, terms and conditions are subject to change without notice.

16. Become a better
resource for your
clients, friends,
& family
GAIN
REVERSE
MORTGAGE
EXPERTISE
Serve clients and
professionals you
couldn’t previously
serve
GROW
YOUR
NETWORK
Provide additional
financing options for
your buyers
INCREASE
CLIENT’S
PURCHASING
POWER
(example based on 3%
commission & Nat medial home
price of $363,700 NAR2021
Sell 4 additional deals
per year using Reverse
Purchase & earn
~$45,000 (est.)
INCREASE
INCOME
YOUR OPPORTUNITY
(example based on 2.5%
commission & Nat medial home
price of $428,700 NAR2021)

17. 17
Internal use only, confidential & proprietary.
HOW WE SUPPORT THE REAL ESTATE PROFESSION
CE Credits for Real Estate Agents
Joint conversations with agents and their
clients with tailored mortgage solutions
Partner at your events as a guest speaker
We host conferences and events with our
partners and their invited guests
Provide training courses and
development of real estate brokerages
Provide Business Development support
with your strategic partners
(Financial Advisors, attorneys, CPAs, other)
Provide co-branded marketing collateral

18. YOUR REVERSE MORTGAGE
PROFESSIONAL
18
Mobile: (818) 300 - 5125
Email: cromero@onetrusthomeloans.com
CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3131 Camino Del Rio North Suite 1680, San Diego,
CA 92108. Corporate phone (888) 488-3807. Licensed by the Department of Financial Protection and Innovation under California Residential Mortgage
Lending Act, Branch License # 4131248 For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. This information is to
inform the real estate industry only and is not to be provided to consumers. All products are not available in all states. All options are not available on all
programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice.
CASTULO ROMERO
Office: (818) 304 - 9337
VP, Region Manager, NMLS 582981

19. Internal use only, confidential & proprietary.
THANK YOU FOR ATTENDING
19
CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3131 Camino Del Rio North Suite 1680, San Diego,
CA 92108. Corporate phone (888) 488-3807. Licensed by the Department of Financial Protection and Innovation under California Residential Mortgage
Lending Act, Branch License # 4131248 For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. This information is to
inform the real estate industry only and is not to be provided to consumers. All products are not available in all states. All options are not available on all
programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without notice.