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Opes Advisors
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Reverse Mortgage FAQs
How Does It Work?
Learn how a reverse mortgage could provide you more cash.
How It Works
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Facts For Family Members
Get informed about how everyone is affected by a reverse mortgage.
Adult Children
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Reverse Mortgages at a Glance

reverse mortgages

To qualify for a reverse mortgage you must:
Be at least 62 years old
Own your home
Have equity in the house to pay off any outstanding balances
Your home must be your principal residence
Meet minimum credit and income requirements
NMLS#: 230295 (Bill) - NMLS#: 238044 (Todd)
NMLS Consumer Access
ADA Notice

This information is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice. These materials are not from HUD or FHA and were not approved by HUD or a government agency.
* There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default.. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.

Opes Advisors

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Disclosures & Licensing

Opes Advisors, a division of Flagstar Bank (“Company”) is located in Cupertino, California. Company’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Company’s web site on the Internet should not be construed by any consumer and/or prospective client as Company’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Company does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Company web site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Company), will be profitable or equal any historical performance level(s).

Certain portions of Company’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Company (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Company, or from any other investment professional. Company is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Company is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Company by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.

To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Company’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Company, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Company’s web site, to release and hold harmless Company, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Company.

Financial and Investment Advice

Investment advisory services are offered by Opes Advisors, a division of Flagstar Bank. Investment Advisory accounts:
• Are Not insured by the FDIC or any other federal government agency
• Are Not deposits of or guaranteed by a Bank
• May Lose Value
 
Please Note: Opes Advisors’ mortgage professionals do not provide investment-related services or advice. If a client desires investment advisory services, the client must engage Opes Advisors separately, on an additional fee basis, per the terms and conditions of an Investment Advisory Agreement.
 

  • Opes Advisors, a Division of Flagstar Bank, FSB — NMLS# 417490

 

Link to the NMLS site for more information: www.nmlsconsumeraccess.org

 

Information accurate as of: 5/15/2017

 

 

Division Headquarters: 19330 Stevens Creek Blvd., Cupertino CA 95014 | Phone: 408-831-5000 | Toll Free: 877-700-6737

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  • About Us
    • About Us
    • Disclosures & Licensing
  • Reverse Mortgages
    • How It Works
    • FAQs
    • HECM For Purchase Guidelines
    • The Reverse Mortgage Process
    • Top 10 Reverse Mortgage Questions
    • Reverse Mortgage Myths
    • Reverse Mortgage Resources
    • FHA-Insured
    • Choosing a Loan Originator
    • Intro to Reverse Mortgages
    • History of Reverse Mortgages
  • Who We Help
    • Seniors
    • Adult Children
    • Special Advisors