Are You 62 or Better?

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1 Are You 62 or Better? condo/home $125,000 $150,000 $175,000 $200,000 $225,000 AGE 62 $ 65,611 $ 77,986 $ 90,611 $103,286 $115, $ 63,486 $ 75,636 $ 87,786 $ 99,936 $112, $ 60,736 $ 72,136 $ 83,786 $ 95,436 $107, $ 59,236 $ 70,036 $ 81,836 $ 93,136 $104, $ 56,361 $ 66,836 $ 77,061 $ 88,036 $ 98, $ 54,361 $ 64,686 $ 75,011 $ 85,336 $ 95, $ 51,861 $ 61,486 $ 71,361 $ 81,236 $ 91, $ 48,986 $ 58,236 $ 67,486 $ 76,736 $ 85, $ 45,611 $ 53,986 $ 62,611 $ 71,236 $ 79,861 Using a FHA-insured home equity conversion mortgage, you can own this beautiful condo/home for a fraction of the actual purchase price and NEVER have a monthly mortgage payment! (Minimal Credit and Income Requirements) Please contact me to learn more: Synergy One Lending/Retirement Funding Solutions Fixed Rate of 5.06% as of June 1, Recent interest rates range from 6.57% % APR. Loan charges will include origination fees, mortgage insurance premiums, and settlement costs which are to be determined. Some of these fees may be financed into the loan. Interest rates and funds available may change without notice and not be available at time of loan commitment. Prices subject to change. This information is for illustrative purposes only. Estimated fees, including upfront FHA mortgage insurance premium, range from $3,125 to $15,000 depending upon the value of the home (included in mortgage). Closing costs vary from state to state and can affect down payment. Your loan balance and accrued interest will become due and payable upon maturity or default event such as no longer living in the hoe as your primary residence, failing to pay your hazard insurance or property taxes, or failing to maintain your property. These materials are not from and were not approved by HUD or FHA.

2 Are You 62 or Better? or Older? condo/home $250,000 $275,000 $300,000 $350,000 $400,000 AGE 62 $ 128,486 $ 141,111 $ 153,736 $ 178,736 $ 203, $ 124,236 $ 136,386 $ 148,786 $ 173,086 $ 197, $ 118,736 $ 130,386 $ 142,036 $ 165,086 $ 188, $ 115,736 $ 127,036 $ 138,586 $ 161,186 $ 183, $109,736 $ 120,211 $ 130,936 $ 152,136 $ 173, $105,986 $ 116,311 $ 126,886 $ 147,536 $ 168, $100,986 $110,861 $ 120,736 $ 140,236 $ 159, $ 95,236 $104,486 $ 113,986 $ 132,486 $ 150, $ 88,486 $ 97,111 $105,736 $ 122,736 $ 139,986 Using a FHA-insured home equity conversion mortgage, you can own this beautiful condo/home for a fraction of the actual purchase price and NEVER have a monthly mortgage payment! (Minimal Credit and Income Requirements) Please contact me to learn more: Synergy One Lending/Retirement Funding Solutions Fixed Rate of 5.06% as of June 1, Recent interest rates range from 6.57% % APR. Loan charges will include origination fees, mortgage insurance premiums, and settlement costs which are to be determined. Some of these fees may be financed into the loan. Interest rates and funds available may change without notice and not be available at time of loan commitment. Prices subject to change. This information is for illustrative purposes only. Estimated fees, including upfront FHA mortgage insurance premium, range from $3,125 to $15,000 depending upon the value of the home (included in mortgage). Closing costs vary from state to state and can affect down payment. Your loan balance and accrued interest will become due and payable upon maturity or default event such as no longer living in the hoe as your primary residence, failing to pay your hazard insurance or property taxes, or failing to maintain your property. These materials are not from and were not approved by HUD or FHA.

3 Are You 62 or Better? condo/home: $450,000 $475,000 $500,000 $550,000 $600,000 AGE 62 $ 229,236 $ 242,111 $ 254,736 $ 279,736 $ 304, $ 221,436 $ 233,586 $ 245,986 $ 270,286 $ 294, $ 211,686 $ 223,586 $ 235,236 $ 258,286 $ 281, $ 206,136 $ 217,436 $ 228,986 $ 251,586 $ 273, $ 195,036 $ 206,011 $ 216,736 $ 237,936 $ 259, $ 188,586 $ 198,911 $ 209,486 $ 230,136 $ 250, $ 179,736 $ 189,861 $ 199,736 $ 219,236 $ 238, $ 169,236 $ 178,486 $ 187,986 $ 206,486 $ 224, $ 157,236 $ 166,111 $ 174,736 $ 191,736 $ 208,986 Using a FHA-insured home equity conversion mortgage, you can own this beautiful condo/home for a fraction of the actual purchase price and NEVER have a monthly mortgage payment! (Minimal Credit and Income Requirements) Please contact me to learn more: Synergy One Lending/Retirement Funding Solutions Fixed Rate of 5.06% as of June 1, Recent interest rates range from 6.57% % APR. Loan charges will include origination fees, mortgage insurance premiums, and settlement costs which are to be determined. Some of these fees may be financed into the loan. Interest rates and funds available may change without notice and not be available at time of loan commitment. Prices subject to change. This information is for illustrative purposes only. Estimated fees, including upfront FHA mortgage insurance premium, range from $3,125 to $15,000 depending upon the value of the home (included in mortgage). Closing costs vary from state to state and can affect down payment. Your loan balance and accrued interest will become due and payable upon maturity or default event such as no longer living in the hoe as your primary residence, failing to pay your hazard insurance or property taxes, or failing to maintain your property. These materials are not from and were not approved by HUD or FHA.

4 Are You 62 or Better But Your Spouse Isn t? condo/home AGE $ 125,000 $ 67,486 $ 67,986 $ 69,611 $ 70,736 $ 74,611 $ 150,000 $ 80,436 $ 80,836 $ 82,986 $ 84,136 $ 88,986 $ 175,000 $ 93,386 $ 93,936 $ 96,361 $ 97,786 $ 103,361 $ 200,000 $ 106,336 $ 107,036 $ 109,736 $ 111,436 $ 117,736 $ 225,000 $ 119,286 $ 120,136 $ 123,111 $ 125,086 $ 132,111 $ 250,000 $ 132,236 $ 133,236 $ 136,486 $ 138,736 $ 146,486 $ 275,000 $ 145,186 $ 146,336 $ 149,861 $ 152,386 $ 160,861 $ 300,000 $ 158,386 $ 159,436 $ 163,486 $ 166,036 $ 175,486 $ 350,000 $ 184,286 $ 185,386 $ 190,236 $ 193,086 $ 204,236 $ 400,000 $ 210,186 $ 211,586 $ 216,986 $ 220,386 $ 232,986 $ 450,000 $ 235,836 $ $ 243,486 $ 247,686 $ 261,486 $ 475,000 $ 248,786 $ 254,136 $ 256,861 $ 261,586 $ 275,861 $ 500,000 $ 261,986 $ 264,236 $ 270,986 $ 275,236 $ 290,486 $ 550,000 $ 287,886 $ 290,186 $ 296,736 $ 302,286 $ 319,236 $ 600,000 $ 313,286 $ 316,886 $ 322,986 $ 329,586 $ 347,486

5 FHA-insured Loan Lets You Buy Your Dream Home With No Monthly Mortgage Payments If you re at least 62 then you will want to learn about the FHA-insured HECM for Purchase program, or H4P for short. The H4P program was launched in January, However, you may not be aware of this program because it is not frequently advertised to the public. Currently, Synergy One Lending/Retirement Funding Solutions is one of the few lenders offering the program. In other words, it s very unlikely that your local bank specializes in this program. How Does The H4P Program Work? First, you need to be aware that the program is insured by the federal government and the rules allow you to buy your dream home for as little as 40% down and NEVER make a monthly mortgage payment. Every day I hear it sounds too good to be true, what s the catch? The only catch is you have to be at least 62 and the new home has to be your primary residence. 1 Next, the amount required to bring to closing is based on the youngest borrower s age and the purchase price of the home. For example, a 70 year old purchasing a $200,000 home would bring just $93,136 to closing. 2 That s it and never make a single monthly mortgage payment! For complete details, contact us today at: How Do I Learn More? Ann Marie Harrison, Licensed HECM Loan Officer, offers weekly seminars on Tuesday evenings from 5:45 7:15 pm. Please register for our next presentation using the information below. HECM for Purchase Seminar Day and time: Tuesday from 5:45 7:15 pm Location: 5950 Venture Drive, Suite B, Dublin, Ohio Registration: Call Patty at or at: patty@hecmprogram.com 1 Borrower must maintain home as primary residence and remain current on property taxes and homeowner s insurance 2 Subject to change. Rates and down payments can fluctuate daily

6 Synergy One Lending Inc. d/b/a Retirement Funding Solutions NMLS , Department of Financial Institutions - Arizona Mortgage Banker License ; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act California License ; Licensed by the Connecticut Consumer Credit Division - Mortgage Company Registration ML ; Regulated by the Colorado Division of Real Estate, Colorado Mortgage Company Registration ; District of Columbia Mortgage Dual Authority License MLB ; Florida Mortgage Lender License MLD1079; Idaho Mortgage Broker/Lender License MBL-8537; Licensed by Indiana Department of Financial Institutions - First Lien Mortgage Lending License 27156; Iowa Division of Banking - Mortgage Banker license ; Maine Supervised Lender License ; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Montana Mortgage Lender License ; Montana Mortgage Broker License ; Licensed by the New Hampshire Banking Department MB; Ohio Mortgage Loan Act Certificate of Registration SM ; Oregon Mortgage Lending License ML- 5208; Pennsylvania Department of Banking and Securities License 49997; South Carolina- Board of Financial Institutions and Department of Consumer Affairs Mortgage Lender / Servicer License MLS ; Texas Mortgage Banker Registration ; Utah DRE Mortgage Entity License ; Washington Consumer Loan Company License CL ; Wyoming Mortgage Lender/Broker License These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency.