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Equal housing lender. This is a brokered product, subject to change at any time. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. A reverse mortgage has a minimum age requirements varies by state. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Just because you apply for a reverse mortgage doesn't mean you have to go through with it, even if an application was signed. Additional counseling required. Borrower must maintain the home and continue to pay property taxes, insurance and homeowner’s association dues (if applicable). Applies to certain property types, ask for details.

Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to the completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Equal Housing Lender.  MLO licensing information: FL # LO38533, GA # Temp Authority. Element Home Loans is a Division of NFM, Inc. dba NFM Lending, NFM NMLS #2893. NFM is an Equal Housing Lender. For NFM, Inc’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). NFM, Inc is not affiliated with, or an agent or division of, a governmental agency or a depository institution. GA license # 17414. Copyright © 2023.