• SAFE — A government designed, regulated and insured program through FHA/HUD, guaranteed by Fannie Mae.
• SMART — Turn a portion of the inflationary and built-up equity in a home into CASH.
• EASY — No income or credit qualifications for senior homeowners 62 and older.
• LEVERAGE — Used properly with other services, this program can be a powerful financial planning tool.

1. NO monthly repayment required. Only when the client no longer lives on their property is the loan to be repaid.
2. Cash received is NOT taxable and does NOT affect Social Security or Medicare.
3. Ownership is retained. The clients can live in their home as long as they wish.
4. The lien attaches to the PROPERTY ONLY.
5. Flexible program allows for a lump sum payment, line of credit, monthly checks, or combination.
6. Government requires FREE independent counseling prior to loan application.