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Legal Disclosures


+ Legal Disclosures

Reverse Mortgage Solutions, Inc. 14405 Walters Road, Suite 200, Houston, TX 77014. NMLS ID 107636. 866.503.5559. This advertising is for a first mortgage loan. The loan balance and accrued fees and interest will become due upon a maturity or default event such as the borrowers permanently leaving the home or no longer living in the home as the principal residence, failure to pay hazard insurance, property taxes and any homeowner’s fees or failure to maintain the property. These materials are not from, and were not approved by, HUD (the U.S. Department of Housing and Urban Development) or FHA (the Federal Housing Administration). FHA insures fixed interest rate Home Equity Conversion Mortgages (HECMs), as well as annual and monthly adjustable interest rate HECMs. The mortgagor has the ability to change the payment plan under the HECM at any time provided funds are available. Fixed interest rate HECMs are limited to the Single Disbursement Lump Sum payment option where there is a single, full draw at loan closing, and the mortgage does not provide for future draws by the mortgagor under any circumstances. Adjustable interest rate HECMs provide for five flexible payment options and allow for future draws. The amount of funds available to the mortgagor is determined by the age of the youngest mortgagor (or non-borrowing spouse for case numbers assigned after August 4, 2014); the current interest rate; the initial mortgage insurance premium and the lesser of appraised value, the HECM FHA mortgage limit of $636,150 or the sales price. The disbursement of HECM proceeds during the first 12-month disbursement period is subject to an initial disbursement limit as determined by requirements set by HUD.

+ Licensing

Alabama Consumer Credit License #21246. Alaska Mortgage Broker/Lender License #AK107636. Arizona Mortgage Banker License #0923600. Arkansas Combination Mortgage Banker/Broker/Servicer License #101172. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act #4131074. Regulated by the Colorado Division of Real Estate. Colorado Mortgage Company Registration #107636. Connecticut Mortgage Lender License #ML-107636. Delaware Licensed Lender #012503. District of Columbia Mortgage Lender License #MLB107636. Florida Mortgage Lender Servicer License #MLD629. Georgia Residential Mortgage Licensee. Georgia Mortgage Lender License #32179. Hawaii Mortgage Servicer License #MS048. Idaho Mortgage Broker/Lender License #MBL-7963. Illinois Residential Mortgage License #MB.6760766. Indiana-DFI First Lien Mortgage Lending License #19368. Iowa Mortgage Banker License #2010-0011. Kansas Licensed Mortgage Company #MC.0025042. Kentucky Mortgage Company License #MC71766. Louisiana Residential Mortgage Lending License #107636. Maine Supervised Lender License #SLM11493. Maryland Mortgage Lender License #19060. Michigan 1st Mortgage Broker/Lender/Servicer Registrant #FR0018486. Minnesota Residential Mortgage Originator License #MN-MO-107636. Mississippi Mortgage Lender License #107636. Missouri Company License #17-2061-S. Montana Mortgage Servicer License #107636. Nebraska Mortgage Banker License #2070. Nevada Mortgage Servicer License #4323. Licensed by the New Hampshire Banking Department, Mortgage Banker License #16889-MB. New Mexico Mortgage Loan Company License #107636. North Carolina Mortgage Lender License #L-147823. North Dakota Money Broker License #MB102470. Ohio Residential Mortgage Lending Act Certificate of Registration #MBMB.850001.000. Oklahoma Mortgage Lender License #ML002611. Oregon Mortgage Lending License #ML-4950. Oregon Mortgage Servicer License #107636. Licensed by the Pennsylvania Department of Banking, Mortgage Lender License #40634. Puerto Rico Mortgage Lender/Servicer License #IH-169. Rhode Island Lender License #20132924LL. Rhode Island Third Party Loan Servicer License #20163207LS. South Carolina-BFI Mortgage Lender/Servicer License #MLS – 107636. South Dakota Mortgage Lender License #ML.04992. Tennessee Mortgage License #109352. Texas-SML Mortgage Banker Registration #107636 CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. Texas-Residential Mortgage Loan Servicer Registration: “COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550. A complaint form and instructions may be downloaded and printed from the Department’s website located at or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at” Texas-SML Residential Mortgage Loan Servicer Registration #107636. Utah-DFI Residential First Mortgage Notification #107636. Vermont Lender License #6448. Vermont Loan Servicer License # 107636-1. Virginia Lender License #MC-5708. Virgin Islands Mortgage Lender #VI-MLC-107636. Washington Consumer Loan Company License #CL-107636. West Virginia Mortgage Lender License #ML-30335. Wisconsin Mortgage Banker License #107636BA. Wyoming Mortgage Lender/Broker License #2380.


Reverse Mortgage Solutions, Inc.
The content on this page is not from and was not approved by HUD or FHA.
Reverse Mortgage Solutions, Inc.
© 2015 Reverse Mortgage Solutions, Inc. All rights reserved.
NMLS ID 107636:
14405 Walters Road, Suite 200, Houston, TX 77014. 888.918.1110.
Member of the National Reverse Mortgage Lenders Association.

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