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NMLS#242063 / CA | HI

Rebecca Ross

Your local Maui/San Diego home loan resource

(808) 250-6482

527 Encinitas Blvd. #200
Encinitas, CA 92024

Privacy/Security Disclosures Terms of Use Licensing NMLS Consumer Access

The information contained in this site has been prepared by an independent third party and is distributed for educational purposes only. This is designed to give helpful tips on the mortgage process and is not intended to give legal advice. Information is considered reliable but not guaranteed. This is not a prequalification, preapproval, loan approval or commitment to lend. Powered by Lenderd Mortgage Marketing

© 2022 Elite Lending A division of Finance of America Mortgage LLC | | NMLS 1071 | 1 West Elm Street, First Floor, Conshohocken, PA 19428 | (800) 355-5626. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. For licensing information go to: www.nmlsconsumeraccess.org

Loans made or arranged pursuant to a California Finance Lenders Law license.

A preapproval is not a loan approval, rate lock, guarantee or commitment to lend. An underwriter must review and approve a complete loan application after you are preapproved in order to obtain financing.

This is not a commitment to lend. Prices, guidelines and minimum requirements are subject to change without notice. Some products may not be available in all states. Subject to review of credit and/or collateral; not all applicants will qualify for financing. It is important to make an informed decision when selecting and using a loan product; make sure to compare loan types when making a financing decision.

This information is provided by Finance of America Mortgage d/b/a Elite Lending. Any materials were not provided by HUD or FHA. It has not been approved by FHA or any Government Agency.

For Reverse 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 borrowers, 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 (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 disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy 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.

Complaints? Email us at customerrelations@financeofamerica.com