BUY YOUR NEXT HOME WITH ONE DOWN PAYMENT AND NEVER HAVE A MONTHLY MORTGAGE PAYMENT

HECM FOR PURCHASE LOAN PROGRAM FOR THOSE AGED 62+

This FHA government insured loan program allows you to purchase a home with one down payment and no monthly mortgage payments

Cynthia Kerstiens - NMLS # 1219186 Call 812-639-2634

WATCH THIS 4-MINUTE VIDEO

  • You remain solely on the title and you can sell any time.
  • When you move or pass away, remaining equity goes to you, your heirs, or your estate.
  • You will never owe more than the home is worth as this is a non-recourse loan.
  • You can dramatically increase your purchase power.
  • No monthly mortgage payments are required (you are responsible to pay taxes and insurance).
  • You don't have to tie up all your savings!
  • Easy to qualify:  one buyer must be 62 or better and it must be your primary residence. 

TESTIMONY FROM A REALTOR

IF YOU'RE NOT LIVING IN YOUR DREAM HOME, THEN WHAT'S STOPPING YOU?

When I learned about the HECM For Purchase loan program, I felt the obligation to ensure my Buyers knew they had another finance option available to them that could not only help them afford their next home purchase more easily, but could also allow them to keep a large portion of their life savings.  


Using this program could help you afford a nicer home and afford to buy new furniture, make home improvements/rennovations, and more.


Whether you are considering purchasing an existing home or building a new home, the loan process is as easy as a conventional mortgage and closing takes on average 30-45 days.


The H4P program can help sell your home faster and can help get you a higher purchase price.


Keith A.

SELL YOUR HOME WITH THE "H4P" MARKETING TOOLS

YARD SIGN

Placing this yard sign out front will encourage people to call and inquire about your home and the special financing available that will make it more affordable.

CUSTOMIZED FLYER

I will prepare a custom flyer for your home that specifically shows potential Buyers what their one-time down payment would be based on their age.  

BROCHURES

When potential Buyers walk into your home, they can take a 27-page brochure that fully explains how the "H4P" program works.  This will help explain how they can more easily afford your home.

LEARN MORE - GET MORE

Divorcing in your senior years? Find out how this program can especially help you!

A HECM  reverse mortgage provides two options that may restore desirable housing to both spouses.  By providing financing without monthly debt obligation, each can enjoy equal housing without necessarily requiring portfolio distributions.  Retirement income security is enhanced without downgrading the living situation for either.

Home Buyer's Guide

FREE HECM Home Buyer's Guide

To receive a free 27-page Home Buyer's guide, simply call 812-639-2634



Find out what your one-time down payment amount is

Email ckerstiens@rfslends.com the following information for your quote:


  • Names
  • Dates of birth
  • City, State, Zip
  • Home Purchase Price
  • Single Fam Res or Condo?

3 Ways to Pay for your next home



OF THESE 3 OPTIONS, WHICH ONE IS BEST FOR YOUR NEXT HOME PURCHASE?


  • Paying all cash requires the most up front out-of-pocket. ($350,000)


  • The 30-year mortgage requires the most out-of-pocket costs over time.  ($400,480)


  • Notice how the H4P program stacks up against the other options.  With the H4P program you have the least amount out-of-pocket costs.  ($196,850)

Testimony


"My first reaction was it sounds too good to be true, but it allowed us to buy a really nice house without taking up all our financial resources.  We have more house for less money, and it gives us the security that we can live in our house for the rest of our lives without worry."


Tom N.

Contact Me

Send Message or Call

Cynthia Kerstiens - HECM Specialist

Servicing Clients Nationwide

NMLS #1219186

RETIREMENT FUNDING SOLUTIONS

Corporate Office San Diego, CA

812-639-2634 (Indiana)

Hours

Monday - Friday:  9am - 9pm

Saturday - Sunday:   12pm - 7pm


Disclaimer

Synergy One Lending, Inc. dba Retirement Funding Solutions.  NMLS ID 1025894.  Illinois Residential Mortgage Licensee #MB.6761115; Licensed by Indiana Department of Financial Institutions – First Lien Mortgage Lending License 27156.  These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency.   Synergy One Lending Inc. d/b/a Retirement Funding Solutions, NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Department of Financial Institutions – Arizona Mortgage Banker License 0926603; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; Licensed by the Connecticut Consumer Credit Division – Mortgage Lender License ML-1025894; Regulated by the Colorado Division of Real Estate, Colorado Mortgage Company Registration 1025894; Delaware Licensed Lender #020926; District of Columbia Mortgage Dual Authority License MLB1025894; Florida Mortgage Lender License MLD1079; Georgia Residential Mortgage Licensee. Georgia Mortgage Lender License #46648; Hawaii Mortgage Loan Originator Company License #HI-1025894. Idaho Mortgage Broker/Lender License MBL-8537; Illinois Residential Mortgage Licensee #MB.6761115; Licensed by Indiana Department of Financial Institutions – First Lien Mortgage Lending License 27156; Iowa Division of Banking – Mortgage Banker License 2015-0038; Kansas Licensed Mortgage Company License #MC.0025258; Kentucky Mortgage Company License #MC327694; Louisiana Residential Mortgage Lending License #1025894; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation – Mortgage Lender License 21678; Michigan 1st Mortgage Broker/Lender License FL0019960; Minnesota Residential Mortgage Originator License #MN-MO-1025894; Licensed by the Mississippi Department of Banking and Consumer Finance. Mississippi Mortgage Lender License #1025894; Montana Mortgage Lender License 1025894; Montana Mortgage Broker License 1025894; Nebraska Mortgage Banker License 1025894; Nevada Mortgage Broker License #4317. Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department – New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; Licensed by the North Carolina Commission of Banks office – North Carolina Mortgage Lender License L-164411; Ohio Mortgage Broker Act Mortgage Banker Exemption MBMB.850248.000; Oklahoma Mortgage Lender license #ML010730; Oregon Mortgage Lending License ML- 5208; Pennsylvania Department of Banking and Securities License 49997; Rhode Island Lender License #20163229LL. Rhode Island Loan Broker License #20163230LB. South Carolina- Board of Financial Institutions Mortgage Lender / Servicer License MLS-1025894; Tennessee Mortgage License #125659; Texas Mortgage Banker Registration 1025894; Utah DRE Mortgage Entity License 8954729; Vermont Lender License 6891. Virginia Mortgage Broker and Lender Licensee, NMLS ID 1025894; Washington Consumer Loan Company License CL-1025894; Wisconsin Mortgage Lender License #1025894BA; Wyoming Mortgage Lender/Broker License 2677. (866) 200-3210.  These materials are not from HUD or FHA and the document was not approved by HUD, FHA or any Government Agency.  Synergy One Lending, Inc. dba Retirement Funding Solutions. NMLS ID 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. www.nmlsconsumeraccess.org. These materials are not from, and were not approved by, HUD or FHA.