Top 10 Reverse Mortgage Lenders- Find the Best One for You! #list


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Top 10 Reverse Mortgage Lenders

Since being introduced in 2001, reverse mortgages have been allowing senior citizen home owners to take advantage of the equity in their home and receive a cash payment or a line of credit. Most reverse mortgages, also known as Home Equity Conversion Loans (HECM), are insured by the U.S. Department of Housing and Urban Development (HUD). who supervises reverse mortgage terms and requirements. While HUD doesn t make the loan, it makes sure that the borrower is protected in the event that the lender is unable to make the reverse mortgage payment or if the home value has decreased so much that the loan balance cannot be paid.

If you re still asking yourself: What is a reverse mortgage? Click here!

Considering a Reverse Mortgage Lender- What to Look for

  • Types of reverse mortgages offered. There are three types of reverse mortgages. The federal-insured reverse mortgage, more commonly known as Home Equity Conversion Loan (HECM), doesn t have many requirements, but has a higher upfront cost. The single-purpose reverse mortgage, which is low-cost and geared towards people with lower incomes, can be used for specific purposes, like home improvements and repairs, or for paying property taxes. The third kind of reverse mortgage is the proprietary reverse mortgage, which is a loan offered by a private company.
  • Fees. Reverse mortgage costs, especially Home Equity Conversion Loans. can end up being very costly. Insurance premiums, origination fees, title insurance, and other fees can be as high as a few thousand dollars, so finding a reverse mortgage lender that will disclose and explain the overall cost of the loan before signing a contract is very important.
  • Interest rates. Reverse mortgage lenders usually only offer adjustable-rate loans, but some also offer fixed-rate loans. Interest rates for reverse mortgage loans are lower than the ones for conventional loans. If several lenders offer you the same interest rates, it s always best to go with the one that is the most informed and easy to work with.
  • Accreditations and ratings. While many legitimate and trustworthy lenders are not members of the National Reverse Mortgage Lenders Association (NRMLA). choosing a reverse mortgage lender that is a member will give you more peace of mind. Members of the NRMLA must conform to a strict code of lending ethics, meaning that there is a much bigger chance that they will be reliable. A good lender will also have a good rating on websites like the Better Business Bureau (BBB). where you can also learn of any complaints against the company.

Before applying for a reverse mortgage, seniors must be aware that, while this type of loan has its advantages, it also comes with some downsides. Once you understand the whole reverse financing process and decide that it is the best choice in your situation, you need to start searching for the reverse mortgage lender that will best satisfy your needs. Here are the top 10 reverse mortgage lenders that will offer you the best balance between a good deal and a hassle free experience:

Top 10 Reverse Mortgage Lenders

  1. Liberty Home Equity Solutions. Formerly known as Genworth Financial Home Equity Access (GFHEA), this company was founded in 2003, and has since helped improve the lives of over 27,000 seniors. Liberty Home Equity Solutions has more than 450 associates in the U.S. and is one of the largest reverse mortgage lenders in the country.
  2. Security One Lending. Licensed in 40 U.S. states, Security One Lending (S1L), launched its business back in 2006, and today it is recognized as one of California’s best reverse mortgage lenders. In 2011, actor Pat Boone became S1L’s celebrity spokesman.
  3. American Advisors Group. AAG (American Advisors Group) is one of the nation’s leading reverse mortgage lenders. Better Business Bureau (BBB) gave the company an A+ rating, and AAG is approved by U.S. Department of Housing and Urban Development. American Advisors Group has over 450 employees, and it is licensed in 43 U.S. states.
  4. One Reverse Mortgage. According to the 2012 U.S. Department of Housing and Urban Development (HUD) HECM Endorsement Summary Report, One Reverse Mortgage is America’s largest Home Equity Conversion Mortgage originator. A Quicken Loans company, One Reverse Mortgage was founded in 2001, and employs over 250 persons dedicated to providing quality services to senior clients.
  5. Generation Mortgage Company. This privately held company launched its business in 2002 in Atlanta, Georgia. Generation Mortgage Company is accredited by the Better Business Bureau, and is an approved Ginnie Mae issuer.
  6. Urban Financial Group. Founded in 2003 in Oklahoma, Urban Financial Group is licensed in the following states: Oklahoma, Colorado, Illinois, Indiana, Kansas, Michigan, Missouri and Wisconsin. The “Reverse it!” division of Urban Financial Group is the largest provider of wholesale reverse mortgage loans.
  7. Proficio Mortgage Ventures. Headquartered in Florida, Proficio Mortgage has been providing mortgage solutions to the elderly for the last 8 years. The company is licensed to work in 49 states, and it is a subsidiary of Proficio Bank.
  8. Reverse Mortgage USA. Since 2003, Reverse Mortgage USA has been a member of the National Reverse Mortgage Lenders Association. The company is considered the top reverse mortgage educator in the country.
  9. Cherry Creek Mortgage Co. Established in 1987, the company has over 600 employees that provide lending services to thousands of clients. Cherry Creek Mortgage Co. (CCMC) provides reverse mortgage loans through its division, 1 st Reverse Mortgage USA since 2004.
  10. NewDay Financial. NewDay Financial is one of the country’s top mortgage lenders. The company was established in 2002, and received its BBB accreditation the same year.

Moving Forward with Your Mortgage

A reverse mortgage loan is a good choice for seniors over 62 who don t plan on moving into another home in the next two to three years. While it may feature a higher cost with a few risks, under the right circumstances, with the help of professional financial counseling, and by using a good lender, a reverse mortgage loan can be an excellent option for you. For more information, contact a qualified reverse mortgage specialist before proceeding. It never hurts to get more than one quote to make sure you are getting the best deal possible!


Reverse Mortgage Broker Australia – Seniors First #reverse #mortgage #senior


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Reverse mortgages have been available in Australia since the early 1990’s. The Advance Bank was the first lender to offer a true reverse mortgage loan (as opposed to a line of credit), but the product was only mildly popular due to limited demographic demand of the times.

When St George Bank took over Advance bank in 1998 it inherited their reverse mortgage product and this has since developed into the Senior’s Access Home Loan they continue to offer today. Around 2001 the Commonwealth Bank entered the reverse mortgage market with the release of what is now known as ‘Equity Unlock For Seniors’.

From 2002 there was a period of steep growth in the Australian reverse mortgage market. In 2004 the early product providers established ‘The Senior Australians Equity Release Association of Lenders’ (SEQUAL), as an industry body to represent their interests. SEQUAL established a code of conduct and an infrastructure of self-regulation which was very effective in protecting sometimes vulnerable pensioners and elderly borrowers.

Over the next few years a stream of new lenders emerged in anticipation of the retirement funding shortfall projected for the coming generation of retiring baby boomers.

By 2006 there were more than twenty banks, credit unions and non-bank lenders offering reverse mortgages including Macquarie, Bankwest, ABN Amro, Bluestone, Australian Senior’s Finance (ASF) and Over Fifty Group.

(This dizzying array of product choice had a ‘bewildering’ effect on pensioners, creating a demand for specialist reverse mortgage brokers who understand the needs of senior consumers.

Which reverse mortgage lenders are best for you?

It was during this period that brokers accounted for 50 per cent of all reverse mortgages originated in Australia, and that Seniors First grew to attain almost 5 per cent of that market share).

By 2008 some 40,000 Australian pensioners and self-funded retirees had taken a reverse mortgage, double from 20,000 just three years earlier.

Further exponential growth was predicted when the global financial crisis (GFC) struck, seizing up the capital markets that non-bank lenders in particular relied upon for funding.

Although no lenders went broker or collapsed, the GFC funding crisis was unsustainable for all but the largest of the domestic banks, and fifteen reverse mortgage lenders closed or stopped offering new reverse mortgages between 2008 and 2010. At the low point of the cycle, just four banks remained as viable reverse mortgage options to Australian seniors.

In 2011, the Federal Government under then minister Bill Shorten, officially regulated reverse mortgages as part of the ‘second phase’ of the National Consumer Credit Protection (NCCP) code. This law improved disclosure requirements by lenders and brokers, and enshrined in legislation key components of SEQUAL code of conduct such as the ‘No Negative Equity Guarantee.’

By 2014 the reverse mortgage market had begun to show signs of growth once again. Several lenders re-emerged to be active with new lending, and there are rumours other lenders will soon offer exciting new reverse mortgage loans for pensioners and retirees. In anticipation of this, Seniors First Australia’s leading reverse mortgage broker has re-launched.

Our Lender Partners


Security 1 Lending Review – Reverse Mortgage Alert #reverse #mortgage #lending


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Reverse Mortgage Alert

Security 1 Lending Review

All About Security One Lending

Security 1 Lending, also known as S1L, is a reverse mortgage lender located in San Diego California. The company was founded in 2006, and today it consistently ranks as one of America s top originators of reverse mortgage loans. In 2009, Security One bought Omni Reverse, a lender based in Mission Viejo, California. This acquisition helped launch S1L into its leading position within the industry.

As of April 2013. Security 1 was the second largest reverse mortgage lender in the United States by origination volume. The company is licensed in 40 states and employs over 200 loan officers, many of whom specialize in reverse loans. Security 1 s reverse mortgage spokesman is Pat Boone. one of the major musical stars of the 1950s. In fact, you may have seen Mr. Boone featured in one of S1L s television commercials.

Customer Reviews

There are not many reviews of Security 1 Lending available on the Internet, which is unfortunately a trend among even the top reverse mortgage lenders. However, as of this writing the company does boast an A rating from the Better Business Bureau, one notch below the top A+ rating. According to S1L s BBB profile, there is a pending action against the company from the Department of Real Estate, but this does not seem to relate to Security One s reverse mortgage division; it is more likely to be related to its retail mortgage banking. Though we re hopeful that more reviews will surface over time, for now the BBB and a few stray reviews spread across the Internet are about all the feedback you can find.

How Do We Feel About Security 1 Lending?

The big name banks, such as MetLife and Bank of America, exited the reverse mortgage market a few years ago. Since then, Security 1 Lending has been one of the major players to step in and replace these giants. The company still lacks a well known brand, and the lack of reviews is somewhat troubling, but S1L has a solid reputation within the industry.


Reverse Mortgage Specialists Seniors Finance Australia, reverse mortgage specialists.#Reverse #mortgage #specialists


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reverse mortgage specialists

Reverse mortgage specialistsSeniors Finance Australia a Reverse Mortgage or Seniors Home Equity Release Loan is a “lifetime loan for people 60 years and over on the Title of the property , against the equity in your home, holiday home or investment property Australia wide.

It is your “reverse mortgage or lifetime loan” that allows you to borrow against the equity or asset value in your property for any purpose that you wish. These loans are know as Reverse Mortgages or Seniors Equity Loans.

It does not require any repayments on the life of the loan but you can make voluntary repayments if you wish to do this.

This seniors loan does not have to be repaid until you choose to sell your home or the last surviving borrower passes away.

Reverse Mortgage and Title of your home ? the Title of your home will stay in your name.

You can receive your money in a variety of ways as a Lump Sum or have your own cash reserve limit or a re-draw facility and you can then draw down as you need the money, this is sometimes called a Line of Credit , or a combination of your options to suit your situation. It is your choice. Please ask about these options in a Reverse Mortgage.

If you have a current mortgage or loan on the property this maybe able to be paid out for you. You can use your money anyway you wish – additional income to enjoy yourself, home repairs, health care, holidays, to help your family, to buy a new car or pay out existing debts, mortgage, loans or credit cards your choice.

The amount you receive will depend on the value on your property and the age of the youngest borrower.

If you feel that this “lifetime loan” reverse mortgage loan could suit you or assist you with a better retirement life style please fill out your details below and information will be sent to you – if you require further information please call 1300 881 807 or contact us.


Credit Union Mortgage Association #reverse #mortgage #seattle


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About Us

Credit Union Mortgage Association

Credit Union Mortgage is a full-service mortgage company, locally owned and headquartered in Fairfax, Virginia, and serving the entire United States. Finding a mortgage is easy with your credit union and its partner, Credit Union Mortgage. Experience the Credit Union Mortgage Advantage with reduced paperwork and hassle-free online mortgage applications. It’s really that simple: just a few questions and an online decision in minutes.

We have revolutionized the process to make it quick, easy, and more convenient for members. Apply and get approved online, in minutes!

Credit Union Mortgage has a staff of seasoned mortgage professionals to advise you on the best loan programs and most competitive interest rates. And our lender fees and rates are among the lowest in the industry. Just what you would expect from your credit union: the best service with the lowest rates and fees possible.

Member Benefits

Why use your credit union and Credit Union Mortgage? It’s as simple as ABC!

  1. Personal commitment from your credit union and Credit Union Mortgage. Our senior personnel have been trained to provide you with the most reliable and efficient service possible. Our loan officers will work with you to find the loan program best suited to your needs.
  2. Stability of your credit union and Credit Union Mortgage. For over twenty-five years, your credit union and Credit Union Mortgage have been providing mortgage financing. No matter what interest rate the market dictates, your credit union and Credit Union Mortgage will be there for you.
  3. Credit Union Mortgage is your mortgage company. Just as your credit union belongs to its members, as does its mortgage partner, Credit Union Mortgage. By utilizing our services, you’ll receive the best in personalized service while benefiting both your credit union and yourself. No other mortgage company can make that claim.

Credit Union Mortgage offers credit union members:

  • The lowest lender fees in the area
  • Competitive rates
  • A wide selection of loan products
  • Convenience
  • Unparalleled member service
  • Seminars for home buyers

While it really doesn’t matter why you need a new house, it does matter how you go about purchasing it. The first step is getting Pre-Approved. Take the worry out of financing and click here for all the details .

Homeownership Counselors or Counseling Organizations

For assistance with homeownership counseling, please contact:

A Reverse Mortgage is a unique loan that allows homeowners age 62 years and older to convert part of the equity in their home into monthly income or cash without having to sell the home, give up title, or take on additional monthly mortgage payments. Click to learn more .


Erectile dysfunction can be reversed without medication #reverse #erectile #dysfunction


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Erectile dysfunction can be reversed without medication

Men suffering from sexual dysfunction can be successful at reversing their problem, by focusing on lifestyle factors and not just relying on medication, according to new research at the University of Adelaide.

In a new paper published in the Journal of Sexual Medicine . researchers highlight the incidence of erectile dysfunction and lack of sexual desire among Australian men aged 35-80 years.

Over a five-year period, 31% of the 810 men involved in the study developed some form of erectile dysfunction.

Sexual relations are not only an important part of people’s wellbeing. From a clinical point of view, the inability of some men to perform sexually can also be linked to a range of other health problems, many of which can be debilitating or potentially fatal, says Professor Gary Wittert, Head of the Discipline of Medicine at the University of Adelaide and Director of the University’s Freemasons Foundation Centre for Men’s Health .

Our study saw a large proportion of men suffering from some form of erectile dysfunction, which is a concern. The major risk factors for this are typically physical conditions rather than psychological ones, such as being overweight or obese, a higher level of alcohol intake, having sleeping difficulties or obstructive sleep apnoea, and age.

The good news is, our study also found that a large proportion of men were naturally overcoming erectile dysfunction issues. The remission rate of those with erectile dysfunction was 29%, which is very high. This shows that many of these factors affecting men are modifiable, offering them an opportunity to do something about their condition, Professor Wittert says.

The lead author of the paper, Dr Sean Martin from the University of Adelaide’s Freemasons Foundation Centre for Men’s Health, says: Even when medication to help with erectile function is required, it is likely to be considerably more effective if lifestyle factors are also addressed.

Erectile dysfunction can be a very serious issue because it’s a marker of underlying cardiovascular disease, and it often occurs before heart conditions become apparent. Therefore, men should consider improving their weight and overall nutrition, exercise more, drink less alcohol and have a better night’s sleep, as well as address risk factors such as diabetes, high blood pressure and cholesterol.

This is not only likely to improve their sexual ability, but will be improve their cardiovascular health and reduce the risk of developing diabetes if they don’t already have it.

These results are part of the Florey Adelaide Male Ageing Study at the University of Adelaide, which has been funded by the National Health and Medical Research Council (NHMRC).


Colorado Home Mortgage Refinance or Purchase of a Home #kc #mortgage #llc,


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Click here to check out my BBB rating!

KC Mortgage Colorado is a Castle Rock Mortgage Broker. locally ownedand operated. We are licensed, bonded and insured. Our website is the quick and easy place to get started towards qualifying and applying for a Purchase or Refinance Home Mortgage inColorado. We know that each customer has specific needs, so we strive to meet those needs with a wide array of services.

We are a Colorado Mortgage Broker that offerscompetitive mortgage rates and closing costs. The products that we offer include, FHA,VA, USDA, Conventional, Fannie Mae Homepath,Jumbo, Reverse mortgages, 203k streamlines and First Time Homebuyers.

Wewill work with you on an individual basis on the purchase ofa new home or refinancing your current home. We willexplain programs and options that you may not know about. We will let you know what loan programs you qualify for and which onesto avoid in your particular situation. We have the team that can meet your mortgage needs.

Kay Cleland is a Lending Integrity Seal Holder.*

NMLS#265374, CO#100026748, Company NMLS#37430

Regulated by theDivision of Real Estate

For Verification of State Licensing Click Here

Recent Articles

The Benefits of an FHA Loan
FHA loans are a popular home loan choice for borrowers. Qualifying standards tend to be more flexible and down-payment requirements are lower when compared to other home loan options. Read on to see what makes an FHA loan an attractive mortgage option and learn how you can take.

What Factors Are Looked At When Applying For A Mortgage?
Before you shop for your new home, prepare to qualify for a mortgage loan. Preparing will help eliminate confusion while ensuring that the process goes as smoothly as possible. These are six factors reviewed during mortgage approval process. 1. Residence.

How to Compete with an All-Cash Home Purchase Offer
The housing market goes through shifts, and currently, we are in what is commonly known as a seller s market that is, a market in which there are more buyers than there are homes for sale. As a result, competition between buyers will increase, and you may even.

Qualifying for a Mortgage on Part-Time Income?
Today, it’s more common than ever for individuals to make a living by working one or more part-time jobs instead of a traditional 9-to-5, 40-hour-a-week job. The assumption is that most people that choose part-time over full-time are either retired individuals or college students.


Free Data Modeling Tool Business Process Design Software #free #data #modeling #tool,


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Open ModelSphere –
Free Software Tool for Conceptual and Relational Data Modeling,
Business Process Modeling and UML Modeling

Open ModelSphere is a powerful free data, process and UML modeling tool / software. Open ModelSphere covers conceptual and logical data modeling as well as physical design, i.e. database modeling (database modelling). It supports several notations, e.g. Entity-Relationship, DATARUN and Information Engineering. Conceptual models can be converted to relational models and vice versa.

Thanks to its reverse engineering capabilities, Open ModelSphere allows graphical visualization of your relational database’s architecture, thus making modifications easy. As a complete data modeling tool / software, it allows the generation of SQL scripts from your model as well. Open ModelSphere supports all the database management systems in a generic manner. A standard built-in interface connects to SQL databases via ODBC/JDBC driver.

Open ModelSphere also includes expert modules to validate the integrity of your architecture and the coherence of what you established (meeting the requirements of each DBMS). This validation expertise will help you save research time among the multitude of restrictions that exists in each management system.

Open ModelSphere also helps systems analysts to integrate the creation of data flow and business process diagrams and to elaborate an enterprise’s workflow and logistics. You can specify resources, transactions, communicational exchanges, cost calculated in time, money and effort, etc. Open ModelSphere is not restricted to business process modeling, but also allows you to set up the technical design at the application system level.

Open ModelSphere supports you to schematize the various processes’ details in a hierarchical manner, thus enabling you to decompose a process in subprocesses. This way, it is easy to keep an overview, while having access to a very detailed view of the processes. When setting the data flow diagram, it becomes easier to design a relational database that meets the company’s needs, hence avoiding loss of time and money.

Last, but not least – Open ModelSphere provides the functionality of a rich UML modeling tool / software. You can create Activity, Class, Collaboration, Component, Deployment, Package, Sequence, Statechart and Use Case diagrams.

With respect to the coexistence of relational and object-oriented approaches, class models can be linked to data models. Moreover, class models can be generated from data models and vice versa.


Aqua Soft Water Systems Inc #kinetico, #water #softener, #well #water, #reverse #osmosis,


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Palm Beach County, FL – PO Box ZIP Codes
33402 33416 33419 33420 33421 33422 33424 33425 33427 33429 33448 33454 33459 33465 33466 33468 33474 33481 33482 33488 33497
Palm Beach County, FL – Standard ZIP Codes
33401 33403 33404 33405 33406 33407 33408 33409 33410 33411 33412 33413 33414 33415 33417 33418 33426 33428 33430 33431 33432 33433 33434 33435 33436 33437 33438 33440 33444 33445 33446 33449 33458 33460 33461 33462 33463 33467 33469 33470 33472 33473 33476 33477 33478 33480 33483
33484 33486 33487 33493 33496 33498
Palm Beach County, FL – Unique – Single Entity ZIP Codes
33464 33499
Broward County, FL – PO Box ZIP Codes
33008 33022 33061 33072 33074 33075 33077 33081 33082 33083 33084 33093 33097 33302 33303 33307 33310 33318 33320 33329 33335 33338 33339 33340 33345 33346 33348 33349 33355 33359 33443
Broward County, FL – Standard ZIP Codes
33004 33009 33019 33020 33021 33023 33024 33025 33026 33027 33028 33029 33060 33062 33063 33064 33065 33066 33067 33068 33069 33071 33073 33076 33301 33304 33305 33306 33308 33309 33311 33312 33313 33314 33315 33316 33317 33319 33321 33322 33323 33324 33325 33326 33327 33328 33330
33331 33332 33334 33351 33388 33394 33441 33442
Broward County, FL – Unique – Single Entity ZIP Codes
33336 33337

Authorized, Independent Kinetico Dealer

Aqua Soft Water Systems Inc. All rights reserved. Privacy, Terms of Use, Disclaimer and Purchase Policy

Welcome to Aqua Soft Water Systems Inc. We are family owned and operated since
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SunTrust Bank IRA Accounts, Best IRA Interest Rates at SunTrust Bank #suntrust


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SunTrust Bank IRA Accounts

span class= rating span class= left span class= star_rating1-0 nbsp; /span /span /span – Wbersmypaycheck

Cons: Will cause financial hardship without any empathy

I went into Suntrust on December 29, 2011 to open a Checking Account. AThe Teller opened the account and took my payroll check as my first deposit. The Teller was very attentive and very helpful at that time. She explained to how to setup my online banking and also told me that I would be able to see the deposit online the following day Friday December 30, 2011, but the funds would not be available until Satuday morning December 31,2011. Here s where it gets interesting! Keep in mind I deposited my paycheck. When I received the access code to setup my Online Banking on Friday morning, I was able to get into my account. However, the balance was 0 and the deposit I made the night before with my payroll check was not there. A little puzzled. I contacted the bank and spoke with the Teller that opened my account and explained to her that the deposit from the previous night was not reflected in my account. The Teller was not as attentive and helpful as she was the night before. As a matter of fact, she rushed me off the phone and told me that I would not see the deposit unitl Saturday morning, even though she told me on Thursday that I would see it on Friday. On Saturday morning I tried logging into my Online Banking and received error messages after trying to login 5 times to no avail I contacted the 1-800# for the Onlne Banking Customer Service Dept and the Customer Support person told me that my account was closed on Friday because it did not pass the verification process. I was perplexed and dismayed because I was never told by the teller that such a process existed and you would think that something like that would come up while your opening the account at the Branch, not 2 days later. Not to mention I never received a phone call or email stating that Suntrust had closed the account for whatever reason. Okay peolple. I m now LIVID and BROKE on New Years Eve! I just wanted my paycheck back. So I went back to the Branch to get my check back. However, Suntrust gave me the finger once again. I was told that they COULD not release my paycheck or give me any of my money because the quot;Department quot; that release said funds was closed until Tuesday, January 2, 2012. I wonder if they will give me back my paycheck with interest. It is now January 5th 2012 and I m still waiting on Suntrust Bank to return my paycheck from 12/29/11. I received nothing. I know one thing for certain, the 2 branches in Douglasville are in need of new management. The branch managers are incompetent.Their customer services skills are non-existing. The Arbor Place, Douglasville, Ga branch manager Andrea Woods is an absolute waste. My husband and I spent an hour in the bank pleading with the Service Rep. For help with our issue, to the point that I was in tears. She walked past us, stood next to us as she was discussing her holiday with one of the other workers. She could clearly hear everything we were saying to the Service Rep. she didn t even acknowledge our situation. Never even offered to assist us in any way. In other words she completey ignored us! Oh yeah! To this day. No letter, no phone call or an email from Suntrust telling me that they closed the account. BEWARE! THIS IS THE WORST BANK EVER!

January 05, 2012

SunTrust Bank Company Info


New Jersey Reverse Mortgage Lenders #new #jersey #reverse #mortgage


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Find an Experienced Financial Expert

New Jersey is in that part of New England where property taxes and the cost of living is very high. For seniors the costs could really put the squeeze on fixed and no incomes. Reverse mortgages are one of the tools senior homeowners now turn to when they d like to create an income. Home equity is a valuable asset and with a reverse mortgage can be turned into cash flow.

Part of a successful reverse mortgage deal is an experienced and reputable lender.

NJ FHA Lender Loan Limits

For the average homeowner regardless of state, the most popular reverse mortgage is the federally insured HUD Home Equity Conversion Mortgage, commonly called the HECM. A key factor in determining qualifications and suitability for lenders is the local FHA mortgage limits.

Because New Jersey has such high property values, almost every county in the state has an FHA limit well above the national average, some as much as $500,000 higher. Of course the highest limits exist in counties that cover or are near Newark and Edison.

HUD Lenders

The very popular HUD HECM is the primary reverse mortgage product in the country. For most senior homeowners the features provide sufficient cash equity, costs and terms. But the reverse mortgage industry is controversial for the scams and con artists that continue to find more innovative ways to dupe homeowners out of their money.

What you need to know about finding a lender:

  • HUD and the FHA are not mortgage lenders.
  • HUD provides free of charge an approved lender list .
  • Find the lender list online at the HUD website or get one from your mortgage counselor.
  • Never pay for a list of lenders.

State of New Jersey HECM

The State of New Jersey Housing and Mortgage Finance Agency offers the HUD HECM to qualified New Jersey seniors. Potential borrowers may get all the information from a fact sheet and a lender list specific to New Jersey borrowers.

Single Purpose Reverse Mortgage Lenders in New Jersey

Twenty-five states offer senior citizens homeowners a property tax deferral, a kind of single purpose product that is similar to a reverse mortgage. In New Jersey eligible seniors and other taxpayers may qualify for Homestead exemptions and tax credits, but this is not the same as a property tax deferral. The state is still working toward providing a product like this.

General Reverse Mortgage Providers Available to NJ Seniors

A local retail banking company, Amboy Bank offers a wide range of financial tools and services, including reverse mortgages. The company offers a number of popular reverse mortgages plus their own called the Simply Better Reverse Mortgage.

The mortgage division at Bank of America provides two reverse mortgage products for its customers: the HUD HECM and BOA s proprietary Senior Equity Reverse Mortgage. When the federally insured product is too restrictive borrowers may opt for the less limiting Senior Equity Reverse.

This is an experienced regional mortgage company and a HUD-approved lender.


Invoice Factoring -an advance on money due to you from a business


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Invoice Factoring

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What is factoring:

Invoice factoring is essentially an advance on money / cash due to a business, by means of the sale of the invoices to a bridging company. This is not a loan against invoices but an outright sale of selected invoices ( one or many ) or the full debtors book, to a bridging finance company, but with recourse to the seller of the full invoice value.

Why use single invoice factoring or selective invoice discounting

This is a very simple and reasonably quick method (within 2 weeks of receipt of all documents) used by businesses to improve cash flow or working capital as and when needed. There is no lock in period and no penalty for early settlement. You elect to bridge one or a few invoices not the entire debtors book.


Costs Once

Once off set up fee of approx 3 % to 5 % depending on the size of the invoice bridging required. Monthly cost of between 4,5 % and 6 %

Pre-Conditions to Discount Invoices:
The goods /services must have been delivered / rendered and the customer must have accepted the goods / services with no pending disputes. The company requesting the bridging should be profitable and have a clean credit record.

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