Licensing & disclosures

Licensing

Tanner Connelly · NMLS 1998297 · Colorado Mortgage Loan Originator License #100524814
Empire Home Loans, Inc. · Company NMLS 1839243
Corporate: 4401 Hazel Ave., Suite 225, Fair Oaks, CA 95628
Mortgage Company Registration — regulated by the Colorado Division of Real Estate.
NMLS Consumer Access

Loan obligations

*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.

Estimates and calculator results

These figures are estimates only, for illustrative and educational purposes, based on the home value, mortgage balance, and age you provided and an assumed expected interest rate. Your actual loan amount, rates, fees, and closing costs will differ based on market conditions, the product selected, property specifics, and applicable fees in your area. This is not a loan approval or a commitment to lend. Rates and program guidelines are subject to change without notice.

Company disclosure

Empire Home Loans, Inc. (“Empire”) · Company NMLS #1839243 · NMLS Consumer Access. Corporate: 4401 Hazel Ave., Suite 225, Fair Oaks, CA 95628 · (720) 335-7100. All rights reserved. Empire is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or any government agency. Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old for a federally-insured HECM; proprietary reverse mortgage products may be available from age 55, subject to program and state availability. Monthly reverse mortgage advances may affect eligibility for some other programs. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Counseling requirement

Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency.

Broker disclosure

Empire Home Loans, Inc. is a licensed mortgage broker. Reverse mortgage products are offered through wholesale lending partners. Not all products are available in all states or to all applicants.

Equal Housing Opportunity

Empire Home Loans, Inc. supports Equal Housing Opportunity.