This document promotes federally insured reverse mortgages as a way for homeowners aged 62 or older to access cash from the equity in their home without making monthly payments. It claims these programs provide a new source of retirement income through lump sums, monthly payments, lines of credit, or combinations. Borrowers retain ownership and title to their home and the loan does not become due until they pass away or sell the property, with no liability for heirs. It lists eligibility requirements and claims the programs are safe, regulated, and will not affect most social security benefits. Contact information is provided to learn more.

1. A new source of
Retirement Cash Flow $$$$
Federally Insured Reverse Mortgages
Peace of mind for life!
Value Financial (C) 2007-2008

2. You’ve worked hard for many years
to pay for your home.
Now your home can pay you back with a
unique and new source of extra cash.
Value Financial (C) 2007-2008

3. How do these new
programs work?
They tap the equity in your home.
You make No Monthly payments, EVER!
Take a Lump sum, monthly payment , line of credit, or
any combination of these – it’s your money.
They only become due when you pass away or sell the
home. And your heirs are NEVER liable. The house is
the only source of re-payment.
Most programs are federally insured.
Most programs leave an equity cushion for your
heirs.
You can choose from FIXED RATE or ADJUSTABLE.
Value Financial (C) 2007-2008

4. It’s YOUR Money !!!
Use the CASH benefits
any way you want to!
Pay medical bills.
Buy a second home!
Make those home repairs.
Pay your taxes or insurance.
In-Home Health Care.
Buy a new car.
Give gifts to your heirs tax free.
Value Financial (C) 2007-2008

5. Sounds too good to be true?
NO monthly payments. EVER.
NO hidden costs, federally regulated.
SAFE! Stop worrying about money!
Peace of mind for the rest of your life.
Confidential.
Privacy assured!
Value Financial (C) 2007-2008

6. WHO IS ELIGIBLE?
At least 62 years old.
Own home free and clear - OR
Have a low mortgage balance.
Live there as primary residence.
No income or credit needed.
No personal guarantee required.
Value Financial (C) 2007-2008

7. Does my House QUALIFY?
Single Family House – or
Condo/Town House – with “reserves” or “segregated fund
accounting” to insure good maintenance, or
Planned Unit Development (PUD) – or
HUD approved Double-wide. You must own the lot where you
live.
Duplex or 3 to 4 family also OK, as long as YOU live there.
Value Financial (C) 2007-2008

8. Do I need any “up front” money?
No application fees ever.
You might have to pay for your appraisal
up front, but if you do you will get your
money back at closing.
Normal costs include taxes, title
insurance, HUD Insurance fees, and the
origination fee.
ALL are subject to federal guidelines.
We NEVER charge any up-front fees!
Value Financial (C) 2007-2008

9. What about Social Security?
These programs will usually not effect
Social Security or Medicare benefits.
They might affect your SSI
payments if your total LIQUID
resources are greater than $2,000
for individuals or $3,000 for couples.
There is a way to make this work
without risking your SSI.
Value Financial (C) 2007-2008

10. Do you keep the title to your home?
YES, you do! But,
It must remain your primary residence…..
You continue to take good care of it…..
You pay the taxes and insurance on time…..
Your reward?
NO monthly payments ever !
Value Financial (C) 2007-2008

11. How safe is the program?
Federally Insured. Closely regulated.
The Reverse Mortgage concept is endorsed by HUD and
the AARP.
We are nationally recognized and HUD approved.
Our employees are subject to a strict code of ethics
regarding working with Seniors.
All our staff are Reverse Mortgage Specialists, no
beginners here!
Don’t trust your home to a beginner!
Value Financial (C) 2007-2008

12. How Do You Learn More?
One of our Reverse Mortgage Specialists will tell you how!
You can also visit our web site at the address below,
and you can apply on line!
(800) 760-5363 www.valuefinancial.net
Value Financial (C) 2007-2008