Access Your Home Equity with Confidence
Request your FREE reverse mortgage guide today to learn more about:
- Financial Flexibility: Receive funds to cover medical bills, home repairs, or other needs without monthly mortgage payments.¹
- Tailored to Your Life: Whether it’s an unexpected expense or planning ahead, reverse mortgages can be a reliable financial tool.
- Maintain Ownership: Your home remains yours, just like a traditional mortgage, as long as the loan terms are met.¹
1. Borrower must pay property taxes, insurance, any HOA fees and maintain the property.
Request your FREE information guide today!
Reverse Mortgages for Life’s Unexpected
Why Choose a Reverse Mortgage?
- Medical Expenses: Access funds to cover unexpected healthcare costs.
- Home Repairs: Keep your home in top shape without financial stress.
- For anything else!
Reverse Mortgage Eligibility Requirements
To be eligible for a reverse mortgage:
- At least one homeowner must be 55 or older2
- The subject property is in the borrower's name and is their primary residence
- There is sufficient equity in the home
- Borrower passes product-specific residual income and credit requirements
- Borrower completes reverse mortgage counseling
2. Age requirements differ by product and state
Why Choose Smartfi?
Clearing Up Misconceptions
Misconception: "A reverse mortgage means I’ll lose my home."
- FALSE: You retain ownership as long as the loan obligations are met.
Misconception: "It’s only for people in financial trouble."
- FALSE: Reverse mortgages can be a strategic tool for homeowners looking to make the most of their equity, whether for immediate needs or long-term planning.
Misconception: "It’s too complicated to understand."
- FALSE: We simplify the process with clear guidance every step of the way. Start by requesting your FREE reverse mortgage guide or call and speak to one of our experienced reverse mortgage specialists.
Take the next step and request your FREE reverse mortgage guide!
We are dedicated to ensuring our customers are happy, well-informed, and fully supported throughout their reverse mortgage experience.
★★★★★
"They guided me through this process with expertise and extreme patience. He certainly used his excellent knowledge in this field to make this a comfortable business situation. It was a very comfortable experience working with SmartFi Home Loans. I highly recommend them to anyone."
Anne
★★★★★
"Smartfi is a good company to work with. The application process was very smooth and they were willing to close within 30 days."
Marshall
★★★★★
"I really appreciate the follow up from the initial contact through every step of the process by our associate. I was able to quickly validate his authenticity from my existing mortgage lender, then the home inspection was very fair and accurate and much less stressful than I thought it would be. In the end our credit went up by about 100 points, freeing up a couple other debts and keeping the equity in our property at a perfect time to do so."
Kirk
Copyright © 2024 Smartfi Home Loans, LLC. All Rights Reserved.
San Diego HQ
3636 Nobel Dr.
Suite 210
San Diego, CA 92122
2022 Smartfi Home Loans LLC (In Ohio only, does business under the trade name Bankers Guarantee Mortgage Company), Company NMLS 1862952.
This material is not from HUD or FHA and was not reviewed, approved or issued by HUD, FHA or any government agency. The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency.
Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees, if applicable, may be assessed and will be added to the loan balance. As long as you comply with the terms of the loan (e.g., property must be principal residence of at least one borrower), you retain title until you sell or transfer the property. You are responsible for paying property taxes, insurance and maintenance. Failing to pay these amounts may cause the loan to become immediately due and/or subject to the property to a tax lien, other encumbrance, or foreclosure. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. At the maturity of the loan, the equity may no longer belong to you. The lender will have a claim against your property and you, or your heirs may need to sell the property or use other assets to repay the loan in order to retain the property. The loan becomes due and payable upon failure to comply with loan terms or when the last borrower leaves the home.
This information is not tax advice. Please consult a tax advisor regarding your specific situation. Not all products and options are available in all states. Terms subject to change without notice. Certain conditions and fees apply. This is not a loan commitment or offer to enter into an agreement. All loans are subject to approval, including age, property, and determination of ability to pay taxes, insurance, and maintenance.
©Smartfi Home Loans, NMLS# 1862952 (www.nmlsconsumeraccess.org.). Smartfi is headquartered at 3636 Nobel Dr., Ste 210, San Diego, CA 92122. Smartfi conducts business in the following states: AL, AZ (BL#1033553), CA (CA loans made or arranged pursuant to a California Finance Lenders Law license 60DBO-144199) and (Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act 41DBO-143292), CO (Mortgage Company Registration), DC (District of Columbia Mortgage Dual Authority License No. MLB1862952), DE, FL, GA (Georgia Mortgage Lender License/Registration No. 1862952), IA, ID, IL (Illinois Residential Mortgage Licensee; Illinois Commissioner of Banks can be reached at 100 West Randolph, 9th Floor, Chicago, IL 60601, 312-814-4500), IN, KS (Kansas Licensed Mortgage Company MC.0025895), KY, LA, ME (1862952), MD, MI, MN, MS (Licensed by the Mississippi Department of Banking and Consumer Finance), MT, NC (L-202917), ND, NE, NH (Licensed by the New Hampshire Banking Department), NJ (Licensed by the NJ Department of Banking and Insurance and NJ RMLA-Licensed Mortgage Servicer Registration, NM, OH (RM.804501.000), OK, OR (ML-1862952, MS-1862952), PA (Licensed by the Pennsylvania Department of Banking 94533 & 105533), RI (Rhode Island Lender), SC, SD, TN, TX (Mortgage Banking Registration), UT, WA (Consumer Loan Company License No. CL-1862952), WI and WY (Mortgage Lender/Broker License No. 4505). Smartfi is an equal opportunity lender. For questions or complaints, please email us at: clientcare@smartfihomeloans.com. For information our privacy practices, please visit https://www.smartfihomeloans.com/privacy. SFHL-DIS-NAT-121724.
Reverse Mortgages Made Easy In
- Common reasons to get a reverse mortgage.
- How much money can you get?
- How to qualify.
- Reverse mortgage benefits.
- And much more!
**Borrower must pay property taxes, insurance, HOA fees, maintain the property and otherwise comply with loan terms. This offer expires on May 31, 2025, at 12:00 AM and is subject to change or cancellation at any time and without notice. This offer is valid for a credit of up to $500.00 off allowable closing cost. Loans must close and be funded with Smartfi Home Loans as the lender to receive credit. The credit will be applied to the overall cost indicated on the HUD-1 Settlement Statement at the time of the closing. This offer is not available for Home Equity Conversion Mortgage for purchase transactions. This is not an offer to make you a loan, does not qualify you for a loan, and is not an official loan disclosure. Loan disclosures, including a Good Faith Estimate of closing costs, are provided upon receipt of a completed application. All loans are subject to approval. Offer, rates, and additional terms and conditions apply and are subject to change without notice. Offer is not transferrable. This offer is not redeemable for cash or cash equivalents. Void where prohibited, taxed or restricted by law. Restrictions may apply.
$500 Off!
Apply by May 31, 2025, and receive a $500.00 credit off closing costs.** Mention Code: MAY500