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Renaissance Home Loans Home Equity Conversion Mortgages (HECM) Overview

Watch Our Free Video to Learn More!

Home Equity Conversion Mortgage (HECM), Commonly known as a Reverse-Mortgage, can provide stability and peace of mind when planning for retirement

Direct Line - 1-(800) 555-5555
Email - reverse@renaissancehl.com
Web Site - www.renaissanceloans.com

NMLS #12345678 - www.nmlsconsumeraccess.org

Equal Housing Opportunity

Notices & Disclosures

Renaissance Home Loans is not affiliated with an agency of the federal government, HUD or FHA and this ad was not approved by HUD or any Government Agency.

“The content provided within this website (Video) is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.”

This general information is NOT a substitution for the advice of an attorney, accountant, and/or financial planner. Before you decide to pursue a reverse mortgage, you should carefully consider your individual circumstances so you can make a wise decision about the most valuable asset you may own—your home. Factors to consider include whether the proposed reverse mortgage is a recourse or nonrecourse loan, whether the loan would have a fixed or adjustable interest rate, and/or the current and projected market value of your home.

The amount you owe on a reverse mortgage grows over time. Interest is charged on the outstanding balance and added to the amount you owe each month. That means your total debt increases as the loan funds are advanced to you and interest on the loan accrues. Reverse mortgages can use up all or some of the equity in your home and leave fewer assets for you and your heirs. Because you retain title to your home, you are responsible for property taxes, insurance, utilities, fuel, maintenance, and other expenses. If you don’t pay property taxes, carry homeowner’s insurance, or maintain the condition of your home, your loan may become due and payable. Interest on reverse mortgages is not deductible on income tax returns until the loan is paid off in part or whole.

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