REVERSE MORTGAGES 
                                                        "A Senior Helping Seniors"
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              RON STARLING                                                             
              Reverse Mortgage Consultant                                         
              CELL 352-665-1300                                                         
              TOLL FREE 800-490-8360
              CROWN FINANCIAL MORTGAGE GROUP
              3600 NW 43rd Street
              Suite E-1
              Gainesville, Florida 32606
A REVERSE MORTGAGE ALLOWS THE HOMEOWNER AGE 62 AND OLDER TO CONVERT THE EQUITY IN THEIR HOME INTO CASH. YOU MUST MEET THE FOLLOWING CRITERIA:
BORROWER REQUIREMENTS -
* MUST BE 62 YEARS OF AGE OR OLDER
* MUST OWN THE PROPERTY
* THE PROPERTY MUST BE YOU PRIMARY RESIDENCE
* MUST PARTICIPATE IN A CONSUMER INFORMATION SESSION BY PHONE
   WITH AN APPPROVED COUNSELING AGENCY APPROVED BY HUD
* NEW PROPOSED FHA COUNTY LIMITS --$625,500 IN ALL OF FLORIDA
FINANCIAL REQUIREMENTS -
* THERE ARE NO INCOME OR CREDIT APPROVAL REQUIREMENTS
* YOU DO NOT HAVE TO REPAY THE LOAN PROVIDED YOU CONTINUE TO LIVE 
   IN THE HOME
* YOU CAN FINANCE CLOSING COSTS WITH THE MORTGAGE
 
QUESTIONS & ANSWERS ------------

1.) WHAT ARE THE BENEFITS OF A REVERSE MORTGAGE?
       * INCOME YOU RECEIVE IS TAX FREE
       * YOU MAY CHOOSE FROM THREE DISTRIBUTION PLANS
          LUMP SUM, MONTHLY INCOME, OR A LINE OF CREDIT
       * YOU WILL HAVE NO MORTGAGE PAYMENTS PROVIDED YOU OCCUPY YOUR 
          HOME
       * YOU WILL  HAVE ADDIITONAL CASH TO HELP FUND YOUR RETIREMENT
       * THERE ARE NO LIMITATIONS ON HOW YOU SPEND THE MONEY. WE DO 
          SUGGEST YOU SPEND THE MONEY WISELY
2.) CAN THE LENDER TAKE MY HOME AWAY? NO. AS LONG AS YOU PAY THE 
     TAXES AND INSURANCE AND CONTINUE TO OCCUPY YOUR HOME. YOU
     MAY REPAY YOU LOAN AT ANY TIME WITHOUT PENALTY. 
3.) IF I OWE MONEY ON MY HOME AM I ELEIIBLE YES, PROVIDED YOU HAVE 
     45% OR MORE IN EQUITY.
4.) IF MY HOME IS IN A LIVING TRUST, AM I ELIGIBLE? YES, THE LENDER WILL 
     REVIEW THE LEGAL DOCUMENTS HOWEVER, THERE SHOULD NOT PREVENT
     YOU FROM HAVING A REVERSE MORTGAGE.
5.) WHAT IS MY FIRST STEP TO TAKE OUT A REVERSE MORTGAGE? CALL RON 
     STARLING AT 352-665-1300 AND I WILL SET UP AN APPOINTMENT TO VISIT
     YOU IN YOUR HOME. 
6.) WHAT TYPES OF HOMES ARE ELIGIBLE? YOU HOME MUST BE A SINGLE 
     FAMILY DWELLING OR A TWO-TO-FOUR UNIT PROPERTY THAT YOU OWN AND 
     OCCUPY. TOWNHOUSES, DETATCHED HOMES, UNITS IN  CONDOMINIUMS
     AND SOME MANUFACTURED HOMES ARE ELIGIBLE. CONDOMINIUMS
     MUST BE FHA APPROVED.

I WILL BE GLAD TO MEET WITH YOU CONCERNING REVERSE MORTGAGES.
I WANT YOU TO HAVE ALL OF YOUR QUESTIONS ANSWERED COMPLETELY.
CALL RON AT 352-665-1300 FOR  AN APPOINTMENT. THIS IS A LOAN. FOR
COMPLETE INFORMATION, PLEASE CALL ME.

ESTIMATE OF CASH YOU WILL RECEIVE: SEE THE RM CALCULATOR
IF YOU WOULD LIKE AN ESTIMATE OF THE AMOUNT OF THE CASH YOU
MAY RECEIVE FROM A REVERSE MORTGAGE LOAN PLEASE CLICK ON THE
BUTTON BELOW.