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Smartfi Wholesale

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Unique Loan Products To Grow Your Business

More choices lead to more options.
More options lead to more solutions.
Expand your business. Become a partner.

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Loan products to enhance
your borrower's retirement

A partnership with Smartfi Home Loans, LLC provides you with access to our entire suite of reverse mortgage
solutions. Whether your borrowers are looking to refinance their current residence or purchase their next
home, each of our products provide a unique opportunity to help accomplish their goals.

FHA HECM

The Home Equity Conversion Mortgage (HECM) is a safe and secure reverse mortgage program that is insured by the Federal Housing Administration's (FHA). It allows those 62 and older to access the equity in their home through fixed monthly payments, a line of credit, lump sum, or a combination.

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Smartfi Choice

The Smartfi Choice is our proprietary reverse mortgage. Choice offers higher lending limits, younger qualifying ages and very clear, logical underwriting guidelines. In addition, there are minimum solar restrictions, limited condo review, and multiple rate options to maximize the loan benefit to the borrower.

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Choice for Purchase

A Smartfi Choice to purchase a home is a valuable, smart option for retirees. Instead of using a traditional mortgage, retired borrowers can use the sale of a previously owned home — or other savings and assets — as a down payment. The option will allow your clients to use the equity created to make up the difference between the down payment and the purchase price, enabling them to move into their new home with no required monthly mortgage payment.*

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CALCULATE A REVERSE MORTGAGE SOLUTION

Build a scenario that works

Run scenarios and show how a reverse mortgage can generate a simple solution that will offer the most flexibility for your borrowers' needs.

Quick calculation

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Common questions about reverse mortgage solutions

How does a reverse mortgage work?
When and how is the loan repaid?
How much is a borrower eligible for?
How does a borrower qualify?
How does a reverse mortgage work?

With a reverse mortgage, a borrower receives loan proceeds in the form of a lump sum, monthly payments, a line of credit, or a combination of any of these. As with any other loan, terms and payouts are determined by the product, fees and interest rate.

When and how is the loan repaid?

Reverse mortgage loans typically must be repaid either when a borrower moves out of the home or when they pass away. However, the loan may need to be paid back sooner if the home is no longer a borrower’s principal residence, they fail to pay their property taxes or homeowners insurance, or do not keep the home in good repair.

 

How much is a borrower eligible for?

Loan proceeds are determined by the youngest borrower’s age, the product type and the corresponding interest rate.

 

How does a borrower qualify?

Basic requirements for reverse mortgage eligibility include the following:

  • All borrowers are at least age 60**
  • The subject property is a borrower's primary residence and has an acceptable appraisal
  • There is sufficient equity in the home
  • Borrower passes product specific residual income and credit requirements
  • Borrower completes reverse mortgage counseling

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LET'S PARTNER

We are here to help you! Let's explore thoughtful product solutions for your borrowers.

Contact us today
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San Diego HQ
3636 Nobel Dr.
Suite 330
San Diego, California 92122

Medina Office
1113 Medina Road
Suite 400
Medina, Ohio 44256

Contact (877) 816-6706 wholesalesupport@smartfihomeloans.com
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Privacy Policy  |  State Licensing   |  Web Accessibility  |   Sitemap

This site and the information on it is intended for industry professionals only. It is not intended for consumers.

2022 Smartfi Home Loans LLC (In Ohio only, does business under the trade name Bankers Guarantee Mortgage Company), Company NMLS 1862952.

These materials are not from, and have not been approved by, HUD, FHA, or any government agency. Subject to Credit Approval. For licensing information, go to: NMLS Consumer Access.

*Borrower must pay property taxes, insurance, any HOA fees and maintain the property.

** Age requirements differ by product and state.

Copyright © 2023 Smartfi Home Loans, LLC Wholesale. All Rights Reserved. Developed by TinyFrog Technologies.

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Notices

PARTNER NOTICE 2022-01

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REAL REVERSE POSSIBILITIES

SMARTFI CHOICE vs. FHA HECM

USING A HECM TO PURCHASE

WHY REVERSE?

Training Center

QUANTUM REVERSE

How to Create Loans and Edit Details

How to Pull a Quote

How to Add a Service Provider & Pull Credit

How to Prepare an Application & Send it to a Borrower

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