The document provides information about reverse mortgages through American Pacific Mortgage. It discusses key benefits like eliminating monthly mortgage payments and providing a line of credit or supplemental income. It outlines the qualification process and payment options. Client testimonials praise the company for their professionalism, thorough explanations, and for making the process seamless.

1. “ A Better Life” HUD/FHA Seniors Loan Program Presented by Ken Metcalf Senior Loan Consultant for American Pacific Mortgage Company Corporate: California Department of Real Estate (DRE) License # 01215943 | NMLS #1850 Kenneth M. Metcalf CA DRE Broker License # 00276581 | NMLS # 235078

2. Understanding the Reverse Mortgage

12. Line of Credit Illustration

17. Thank you for your time I hope you have a better understanding of Reverse Mortgages

19. Don’t go away yet This is important Hey! One more thing

20. Why Choose…

21. AMERICAN PACIFIC MORTGAGE

22. We are members of…

23. AMERICAN PACIFIC MORTGAGE To unlocking your home equity is the lender of choice

24. We have local representatives who can meet with you in your home We are always available for any local assistance

28. We work “ hands on” to make sure your reverse mortgage is completed as quickly and as efficiently as possible

29. We directly handle and control all aspects of the loan processing functions from the application to closing Our processing time frame is typically the fastest in the industry

30. NO upfront out of pocket fees! We are firm in maintaining our policy of requiring…

31. HUD and Fannie Mae have consistently recognized American Pacific Mortgage for our leadership in the reverse mortgage industry, as well as for our integrity, knowledge and experience.

32. What have our clients said about us…

33. Dear Ken, Just a message to repeat how much we appreciated your time and concern over our introduction to, and your follow –through on our Reverse Mortgage arrangements. Your thoroughness in walking us through all the details and your immediate responses to our questions whether asked or

34. faxed to you gave us unsurpassed confidence in you. Again, thank you for your concern and attention to us. It was our pleasure to meet with you and work with you. Sincerely, Mr. and Mrs. Herbert S.

35. My mother, Wilma R., and I want to thank you for your assistance and patience in completing her reverse mortgage. Even though the process was initiated in northern California and then had to be completed in southern California, you and your associates handled the details seamlessly.

36. She received funding directly to her bank account right on schedule and with these monthly installments her care and security are guaranteed. Thank you again, David R.

37. My home, un-mortgaged, was 38 years old and in need of some upgrading. At 77, I was in need of some financial upgrading. The Reverse Mortgage appeared to fit my situation and after reviewing three proposals I chose Ken Metcalf. My experience with Ken was

38. very professional and everything clearly explained and every question answered. I chose a line of credit and a modest monthly cash withdraw. I have used the credit line to modernize the master bathroom, install insulated windows and replace the 38 year –old furnace and A/C units. My monthly statement clearly defines where every dollar is

39. accounted for-loan balance, current interest, credit line balance and the monthly increase in my net principal limit. I am a happy client of Ken and would recommend him to anyone thinking about a Reverse Mortgage. Robert C.

40. Ken My wife and I applied for a reverse mortgage May of 2003. It was the best move we ever made. My wife is 81 and I am 82. We found that our fixed income was falling a little short of meeting with our financial needs and that our savings would be depleted in a short time if we did not figure a way to bring in some extra income. We owned a home but was still making payments on our home loan.

41. It only took a short length of time to apply, have our home appraised and loan approved and we had the funds available. Now we not only are free of house payments but have the financial freedom to use the money in any way we desire, and it’s tax free. So I say to my fellow senior 62 or over to go for the gusto and enjoy yourself, inquire into the Reverse Mortgage Program. Thank you ever so much, Marty and Ruth

42. Happy Holidays to All, who made my life so much easier. I am enjoying the reverse mortgage and bragging to all. Thank you again! Sylvia T.