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<P align=center><STRONG><FONT face="MS Sans Serif" size=2>Get a Free Consultation Now!</FONT></STRONG></P></TD></TR></TBODY></TABLE></DIV>
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<P align=center><FONT face="Comic Sans" size=4 target="_blank"><FONT size=5>HOW MUCH CASH CAN YOU GET?</FONT> </FONT></P>
<P align=center><FONT face="Comic Sans" size=4 target="_blank"><FONT size=3>FIND OUT NOW! CLICK BELOW AND USE OUR CUSTOM REVERSE MORTGAGE CALCULATOR:</FONT> <A href="http://www.reversecalculator.com/calc.asp?co=1stMet" target=_blank><FONT size=2>http://www.reversecalculator.com/calc.asp?co=1stMet</FONT></A></FONT></P>
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<DIV align=left> <FONT color=#990033 size=6>Welcome to</FONT> </FONT></STRONG></FONT></DIV></DIV>
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<P align=center><FONT face=Tahoma><STRONG><U><FONT color=#990033 size=6>NATIONAL REVERSE MORTGAGE CENTER</FONT></U></STRONG></FONT></P>
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<P align=center><FONT face=Tahoma color=#000080 size=2><STRONG>What is a Reverse Mortgage?</STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>A reverse mortgage is a program that allows senior homeowners (62+) to transform some of the equity in their homes into tax-free income without having to sell the home, give up title,or make monthly mortgage payments.</STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>The reverse mortgage is aptly named because the payment stream is “reversed.” Instead of making monthly payments to a lender, as with a regular mortgage, a lender makes payments to you in one lump sum, in monthly payments or in credit line requests when you want the money.</STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>Eligible property types include single-family homes, manufactured homes built after June 1976, qualified condominiums, and townhouses. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>Enhancing your retirement years<BR>The funds from a reverse mortgage can be used for anything: daily living expenses; home repairs or modifications; health care expenses, including prescription drugs or in-home care; pay-off of existing debts; lifestyle enhancement; prevention of foreclosure; and other needs. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>There are no income or medical requirements to qualify. You may be eligible for a reverse mortgage even if you still owe money on a first or second mortgage. These mortgages can be paid off and with a reverse mortgage no monthly payments are required.</STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>What are my payment options? <BR>You can choose how to receive the money from a reverse mortgage. The options are: all at once (lump sum); fixed monthly payments (for up to life); a line of credit; or a combination of these. The most popular option – chosen by more than 60 percent of borrowers – is the line of credit, which allows you to draw on the loan proceeds at any time. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>The amount of money you get from a reverse mortgage depends on several factors, including: your age, type of reverse mortgage selected, appraised home value, current interest rates, and – sometimes – where you live. In general, the older you are and the more valuable your home (and the less you owe on your home), the more money you get. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>The funds from a reverse mortgage are tax-free; it's your money, not additional income. A reverse mortgage does not affect regular Social Security or Medicare benefits. To assess the impact, if any, on other federal or state assistance or medical programs, you may wish to consult with your local </STRONG></FONT><A href="http://www.eldercare.gov/" target=_new><FONT face=Tahoma size=2><STRONG>Area Agency on Aging</STRONG></FONT></A><FONT face=Tahoma size=2><STRONG>, 800-677-1116, a reverse mortgage specialist at 1st Metropolitan,</STRONG></FONT><FONT face=Tahoma size=2><STRONG> or a tax attorney. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>Mandatory Counseling <BR>Before applying for a reverse mortgage, you must first meet with a counselor. A list of </STRONG></FONT><A href="http://www.hud.gov/offices/hsg/sfh/hecm/hecmlist.cfm" target=_new><FONT face=Tahoma size=2><STRONG>approved counseling agencies</STRONG></FONT></A><FONT face=Tahoma size=2><STRONG> nationwide is posted online by the U.S. Department of Housing and Urban Development. Or, you can schedule a counseling session with an </STRONG></FONT><A href="http://www.hecmresources.org/states/reque_state_index.cfm" target=_newq><FONT face=Tahoma size=2><STRONG>AARP-approved telephone counselor</STRONG></FONT></A><FONT face=Tahoma size=2><STRONG>, 1-800-209-8085. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>The counselor’s job is to educate you about reverse mortgages, to inform you of other alternative options available to you given your situation, and to assist you in determining which particular reverse mortgage product best fits your needs. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>Paying Back Your Loan <BR>No monthly payments are due on a reverse mortgage while it is outstanding. The loan is repaid when you cease to occupy your home as a principal residence, whether you (the last remaining spouse, in cases of couples) pass away, sell the home, or permanently move out. </STRONG></FONT></P>
<P><FONT face=Tahoma size=2><STRONG>The amount owed can never exceed the value of your home. Furthermore, if the home is sold and the sales proceeds exceed the amount owed on the reverse mortgage, the excess money goes to you or your estate. </STRONG></FONT></P>
<P align=center><FONT face=Tahoma color=#000080 size=2><STRONG>Requirements for Obtaining a Reverse Mortgage:</STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>Both spouses must be at least 62 years of age or older </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The home must be your primary residence </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The home either needs to be paid in full, or have a mortgage balance that can be paid off with the proceeds of the Reverse Mortgage </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>Unlike traditional mortgages, the approval process requires no income on your part and does not consider your credit rating. You can be in foreclosure for example and we can still proceed with a reverse mortgage.</STRONG></FONT></P></LI></UL>
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<P><FONT face=Tahoma size=2><STRONG><FONT face=Tahoma color=#000080 size=2><STRONG></STRONG></FONT></STRONG></FONT> </P>
<P><FONT face=Tahoma size=2><STRONG><FONT face=Tahoma color=#000080 size=2><STRONG> Program Benefits:</STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>There are <EM><U>NO</U></EM> <I><U>payments</U></I> on the mortgage as long as you live in your home </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The proceeds can be used for <I>any reason</I> that you desire</STRONG></FONT></P>
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<P align=left><FONT face=Tahoma><FONT size=2><STRONG><I>You</I> retain ownership to your home, <I>not </I><FONT color=navy><I>the Lender</I></FONT> </STRONG></FONT></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The proceeds from a Reverse Mortgage are <FONT color=navy><I>not taxable</I></FONT> </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The FHA Reverse Mortgage is a Federally insured program </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>After your estate repays the lender, the remaining equity is paid to your heirs </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>There are a number of flexible payment options available to you.</STRONG></FONT></STRONG></FONT></P></LI></UL>
<P align=center><FONT face=Tahoma color=#3300cc size=2><U><STRONG>The Amount That You Can Receive Depends on 3 Factors:</STRONG></U></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The interest rate at the time of closing.</STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The age of the youngest borrower (The older the borrower age, the greater the proceeds available) </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The appraised value of the home (The higher the appraised value, the greater the proceeds to you) </STRONG></FONT></P></LI></UL>
<P align=left><FONT face=Tahoma color=#3300cc size=2><STRONG> <U>The Loan is Repaid When</U>:</STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The last borrower passes away </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The home is no longer the borrowers primary residence </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The home is sold </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>The borrowers transfer title of the property to someone else </STRONG></FONT></P></LI></UL>
<P align=center><FONT face=Tahoma color=#3300cc size=2><U><STRONG>Repayment Options:</STRONG></U></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>Proceeds from the sale of the home: The remaining equity will be distributed to your heirs or your estate </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>Refinance the Home: If your family or estate wish to keep the home, a conventional mortgage can be used for repayment and any additional equity remains in the control of your family members or the estate </STRONG></FONT></P>
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<P align=left><FONT face=Tahoma size=2><STRONG>Life Insurance Proceeds </STRONG></FONT></P></LI></UL></TD></TR></TBODY></TABLE>
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<P align=center><FONT face=Verdana size=2><STRONG>Empire Equity Group, Inc d/b/a/ 1st Metropolitan Mortgage. is a full service registered mortgage broker specializing in REVERSE MORTGAGES, FHA/VA Streamline refinancing, first and second mortgages, conventional refinancing, debt consolidation loans, commercial and investment property funding, and construction/rehabilitation loans. </STRONG></FONT></P>
<P><FONT face=Verdana size=2><STRONG>Even if you have less than perfect credit, have filed bankruptcy, or are currently in foreclosure, we can get you the loan that you need. We have a wide variety of loan programs available to fit your current and future needs. If you have any questions, feel free to contact us. Or, you can apply online now (FREE) via our online application. Choose from a free consultation or a complete application. Select the Equity Line of Credit application for a Reverse Mortgage. For a free consultation , click the buton to the left and fill out form. Please give your date of birth and zip code in the comments. We will respond quickly and answer all of your questions.</STRONG></FONT></P>
<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: Arial"><FONT size=1>1<SUP>st</SUP> Metropolitan Mortgage, 1<SUP>st</SUP> Metropolitan Mortgage of NY, 1<SUP>st</SUP> Metropolitan Mortgage Co., Inc. and Empire 1<SUP>st</SUP> Metropolitan are d/b/a’s of Empire Equity Group, Inc. and Empire Mortgage Inc (FN).; <B>Arizona</B> Mortgage Banker License BK-0905315 as a d/b/a of Empire Mortgage, Inc. (FN).<SPAN style="mso-spacerun: yes"> </SPAN>Arizona Principal Office: 6909 West Ray Road, Bldg 15, Chandler, AZ 85226; Licensed by the <B>California</B> Department of Corporations under the California Residential Mortgage Lending Act; <B>Connecticut</B> Broker Only, Not a Lender; Licensed as a Mortgage Loan Broker in the State of <B>Delaware</B>; <B style="mso-bidi-font-weight: normal">Georgia</B> Residential Mortgage Licensee, Mortgage Broker License #15506, 25 Philips Parkway, Montvale, NJ 07645; <B style="mso-bidi-font-weight: normal">Illinois </B>Residential Mortgage Licensee.<SPAN style="mso-spacerun: yes"> </SPAN>In <B style="mso-bidi-font-weight: normal">Kansas</B> Empire Equity Group, Inc. d/b/a 1<SUP>st</SUP> Metropolitan Mortgage is licensed as a Supervised Lender (License # 2002-4418) with the <SPAN style="mso-bidi-font-weight: bold">Kansas</SPAN> <st1:PlaceType w:st="on">State</st1:PlaceType> Banking Commissioner.<SPAN style="mso-spacerun: yes"> </SPAN>Corporate Headquarters located at <st1:address w:st="on"><st1:Street w:st="on">25 Philips Parkway</st1:Street>, <st1:City w:st="on">Montvale</st1:City>, <st1:State w:st="on">NJ</st1:State> <st1:PostalCode w:st="on">07645</st1:PostalCode></st1:address>.<SPAN style="mso-spacerun: yes"> </SPAN>Interest rates or charges are not recommended, approved, set or established by the State of Kansas; This is not an offer to enter into an interest rate lock-in agreement under <B>Minnesota</B> law; Licensed by the <B>Massachusetts</B> Division of Banks and Loan Agencies as a Mortgage Broker (License MB1872).<SPAN style="mso-spacerun: yes"> </SPAN>We arrange but do not make loans in <st1:State w:st="on">Massachusetts</st1:State>; <st1:State w:st="on"><st1:place w:st="on"><B>Missouri</B></st1:place></st1:State> Residential Mortgage Licensee, Exempt by Missouri Law, <st1:address w:st="on"><st1:Street w:st="on">25 Philips Parkway</st1:Street>, <st1:City w:st="on">Montvale</st1:City>, <st1:State w:st="on">NJ</st1:State> <st1:PostalCode w:st="on">07645</st1:PostalCode></st1:address>. Interest Rates or Charges are not recommended, established, or approved by the State of Missouri; <B>Mississippi</B> Supervised Mortgage Company; Licensed by the State of <B>Montana </B><SPAN style="mso-bidi-font-weight: bold">(License Number 186)<B> </B></SPAN>, Division of Banking & Financial Institutions, 490 N. 31<SUP>st</SUP> St., Transwestern II, Suite 135, Billings, MT 59101; Empire Equity Group, Inc. d/b/a 1<SUP>st</SUP> Metropolitan Mortgage, <B style="mso-bidi-font-weight: normal">Nevada </B>Mortgage Broker License No. 2598, 8665 West Flamingo Road, Suite 121, Las Vegas, NV 89147; Licensed by the <B>New Hampshire </B>Banking Department, License No. 8062-MBR; Licensed Mortgage Lender – <B>New Jersey</B> Department of Banking.<SPAN style="mso-spacerun: yes"> </SPAN>We do not make loan commitments or fund loans.<SPAN style="mso-spacerun: yes"> </SPAN>All loans arranged with third-party providers;<SPAN style="mso-spacerun: yes"> </SPAN>Registered Mortgage Broker – <B>New York</B> State Banking Department, All Loans Arranged With Third-Party Lenders, 25 Philips Parkway, Montvale, NJ 07645; <B>Ohio</B> Division of Financial Institutions Registration Number MB-2999, 25 Philips Parkway, Montvale, NJ 07645; Licensed by the <B>Pennsylvania</B> Department of Banking; <B style="mso-bidi-font-weight: normal">Rhode<SPAN style="mso-bidi-font-weight: bold"> Island</SPAN></B> Licensed Loan Broker; <B>Texas</B> Mortgage Broker License No. 11282, 402 W. Wheatland, Suite 170, Duncanville, TX 75116; Empire Equity Group, Inc. d/b/a 1<SUP>st</SUP> Metropolitan Mortgage is licensed by the <B style="mso-bidi-font-weight: normal">Virginia</B> State Corporations Commission (License No. MB-1432).<o:p></o:p></FONT></SPAN></P>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: Arial"><FONT size=1>As a <U>corporate entity</U>, 1<SUP>st</SUP> Metropolitan Mortgage, (including 1<SUP>st</SUP> Metropolitan Mortgage of NY, Empire 1<SUP>st</SUP> Metropolitan and 1<SUP>st</SUP> Metropolitan Mortgage Co., Inc.) is also licensed, registered or exempt in the States of <B>Alaska</B>, <B>Alabama</B>, <B>Arkansas</B>, <B>Colorado</B>, <B>District of Columbia</B>, <B>Florida</B>, <B>Idaho</B>, <B>Indiana</B>, <B>Iowa</B>, <B>Kentucky</B>, <B>Louisiana</B>, <B>Maine</B>, <B>Maryland</B>, <B>Michigan</B>, <B>North Carolina</B>, <B>Nebraska</B>, <B>New Mexico, North Dakota</B>, <B>Oklahoma</B>, <B>Oregon</B>, <B>South Carolina</B>, <B>South Dakota</B>, <B>Tennessee</B>, <B>Utah</B>, <B>Vermont</B>, <B>Washington</B>, <B>West Virginia</B>, <B>Wisconsin, and</B> <B>Wyoming</B>.<SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></FONT></SPAN></P>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><FONT size=1><B><SPAN style="FONT-FAMILY: Arial">NOT LICENSED</SPAN></B><SPAN style="FONT-FAMILY: Arial"> <B>in the state of</B> <B>Hawaii</B>.<SPAN style="mso-spacerun: yes"> </SPAN><o:p></o:p></SPAN></FONT></P>
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<P class=MsoNormal style="MARGIN: 0in 0in 0pt"><SPAN style="FONT-FAMILY: Arial"><FONT size=1>1<SUP>st</SUP> Metropolitan Mortgage is pledged to the letter and spirit of <st1:country-region w:st="on"><st1:place w:st="on">U.S.</st1:place></st1:country-region> policy for the achievement of EQUAL HOUSING OPPORTUNITY throughout the Nation.<SPAN style="mso-spacerun: yes"> </SPAN>We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin. <o:p></o:p></FONT></SPAN></P>
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