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I will answer your questions by phone, email or in person. Call today for a free no-obligation quote. P 831.423.2900 PRESIDENT'S PLATINUM CLUB 2013-2020 2013-2020 TOP VOLUME PRODUCER • Reverse Mortgage FHA lending limit is now $822,375. Now may be the time to do a reverse mortgage or refinance your current reverse or forward mortgage at historically low interest and MIP rates. • Additionally, our Jumbo Reverse Mortgage Program may offer you a loan amount up to $4,000,000. Tax-free cash! Money to help you, your family members, or other loved ones. *Consult a tax specialist. Dan Casagrande NMLS# 561104, Mutual of Omaha Mortgage, Inc., NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108 Licensed by the Department of Financial Protection & Innovation under the California Residential Mortgage Lending Act, License 4131356. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. www.nmlsconsumeraccess.org The new Reverse Mortgage is a versatile retirement funding tool that can be utilized in many ways. Here are just some of them: 1. Pay off your forward mortgage to eliminate your monthly mortgage payment. 2. Remodel your home to accommodate aging in place. 3. Maintain a line of credit (that grows) for health emergencies and surprises. 4. Cover monthly expenses and hold on to other assets while their value continues to grow. 5. Cover monthly expenses and avoid selling assets at depressed values. 6. Pay for health insurance during early retirement years until Medicare eligible at 65. 7. Pay your Medicare Part Band Part D costs. 8. Combine life tenure payments with Social Security and income generated by assets to replace your salary and continue a monthly routine of paying bills from new income. 9. Pay for your children's or grandchildren's college or professional education. 10. Maintain a "standby" cash reserve to get you through the ups and downs of investment markets and provide more flexibility. 11. Combine proceeds with the sale of your current home to buy a new home without monthly mortgage payments. 12. Fill the gap in a retirement plan caused by lower than expected returns on your assets. Call Today For More Information Dan CasagrandeNMLS: #561104 Reverse Mortgage Specialist Cell ( 408) 297-0000 Office (831) 423-2900 1414 Sequel Ave. Santa Cruz, CA, 95062 dcasagrande@mutualmortgage.com www.ReverseManDan.com 13. Pay for long-term healthcare needs. 14. Pay for a retirement plan, estate plan or a will. 15. Pay for short-term in-home care or physical therapy following an accident or medical episode. 16. Convert a room or basement to a living facility for an aging parent, relative or caregiver. 17. Set up transportation arrangements for when you are no longer comfortable driving. 18. Create a set aside to pay real estate taxes and property insurance. 19. Delay collecting Social Security benefit until it maxes out at age 70. A reverse mortgage may affect benefits from or eligibility for some government programs such as Supplemental Security Income and Medicaid. 20. Eliminate credit card debt and avoid building new credit debt. 21. Cover monthly expenses between jobs without utilizing other saved assets. 22. Cover expenses and avoid capital gains tax consequences of selling off other assets. 23. Purchase health-related technology that enables you to live at home alone. 24. Pay for an Uber or Lyft account so you have mobility and access to appointments and social activities. 25. Help your adult children through family emergencies. Equal Housing Lender MOOMR.0521.194.TE Borrower must occupy home as primary residence and remain current on property taxes, homeowner's insurance, the costs of home maintenance, and any HOA fees Mutual of Omaha Mortgage, Inc. dba Mutual of Omaha Reverse Mortgage, NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. Subject to Credit Approval. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. For licensing information, go to: w .nmlsconsumeraccess.org Licensed by the Department of Financial Protection & Innovation under the California Residential Mo gage Lending Act, License 4131356; Loans made or arranged pursuant to a california Finance Lender Law license, 60DB093110; By calling the number listed, your call will be directed to a third-party with licensed and certified Medicare agents, Van Berg Insurance Services; CA License #0G30664. For accommodation of persons with special needs at meetings, call (877) 833-4253 TTY: 711 Recently eligible or would like to learn more about Medicare? Attend one of our ONLINE, free, no-obligation seminars to understand your Medicare options. Visit our site to join an educational Medicare 101 Webinar canopy.vanbergins.com (877) 833-4253 TTY 711 Partners in Health about Medicare? R E V E R S E M O R T G A G E The new Reverse Mortgage is a versatile retirement funding tool that can be utilized in many ways. Here are just some of them: 1. Pay off your forward mortgage to eliminate your monthly mortgage payment. 2. Remodel your home to accommodate aging in place. 3. Maintain a line of credit (that grows) for health emergencies and surprises. 4. Cover monthly expenses and hold on to other assets while their value continues to grow. 5. Cover monthly expenses and avoid selling assets at depressed values. 6. Pay for health insurance during early retirement years until Medicare eligible at 65. 7. Pay your Medicare Part Band Part D costs. 8. Combine life tenure payments with Social Security and income generated by assets to replace your salary and continue a monthly routine of paying bills from new income. 9. Pay for your children's or grandchildren's college or professional education. 10. Maintain a "standby" cash reserve to get you through the ups and downs of investment markets and provide more flexibility. 11. Combine proceeds with the sale of your current home to buy a new home without monthly mortgage payments. 12. Fill the gap in a retirement plan caused by lower than expected returns on your assets. Call Today For More Information Dan CasagrandeNMLS: #561104 Reverse Mortgage Specialist Cell ( 408) 297-0000 Office (831) 423-2900 1414 Sequel Ave. Santa Cruz, CA, 95062 dcasagrande@mutualmortgage.com www.ReverseManDan.com 13. Pay for long-term healthcare needs. 14. Pay for a retirement plan, estate plan or a will. 15. Pay for short-term in-home care or physical therapy following an accident or medical episode. 16. Convert a room or basement to a living facility for an aging parent, relative or caregiver. 17. Set up transportation arrangements for when you are no longer comfortable driving. 18. Create a set aside to pay real estate taxes and property insurance. 19. Delay collecting Social Security benefit until it maxes out at age 70. A reverse mortgage may affect benefits from or eligibility for some government programs such as Supplemental Security Income and Medicaid. 20. Eliminate credit card debt and avoid building new credit debt. 21. Cover monthly expenses between jobs without utilizing other saved assets. 22. Cover expenses and avoid capital gains tax consequences of selling off other assets. 23. Purchase health-related technology that enables you to live at home alone. 24. Pay for an Uber or Lyft account so you have mobility and access to appointments and social activities. 25. Help your adult children through family emergencies. Equal Housing Lender MOOMR.0521.194.TE Borrower must occupy home as primary residence and remain current on property taxes, homeowner's insurance, the costs of home maintenance, and any HOA fees Mutual of Omaha Mortgage, Inc. dba Mutual of Omaha Reverse Mortgage, NMLS ID 1025894. 3131 Camino Del Rio N 1100, San Diego, CA 92108. Subject to Credit Approval. These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency. For licensing information, go to: w .nmlsconsumeraccess.org Licensed by the Department of Financial Protection & Innovation under the California Residential Mo gage Lending Act, License 4131356; Loans made or arranged pursuant to a california Finance Lender Law license, 60DB093110;

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