Access Your Home Equity. Stay in the Home You Love.

Your home is one of your largest assets and determining the best way to tap in to that equity can be confusing and difficult. Luckily, you've found a honest and transparent mortgage professional in Charles Davis!

Charles Davis, Mortgage Loan Originator

Empire Home Loans, Inc.

Phone: (303) 870-6165

Email: [email protected]

NMLS# 1740379

Company NMLS# 1839243

Licensed in: CO, GA, IA, FL, NC, SC

Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.

Access Your Home Equity in Retirement

Access Your Home Equity. Stay in the Home You Love.

Common Uses for Retirement Equity

Is Your Home Working for Your Retirement?

What Happens Next

Six Ways to Access Equity

See How Much Equity You Could Access

Request Received

One property. The whole picture.

Which home are you exploring?

Where should we send it?

Retirement Equity Questions, Answered

See What Your Home Could Provide

If your home is paid down, has gained value or you paid cash, that equity may be able to be accessed to fund retirement, consolidate debt, pay family or medical expenses, or just set up a line of credit for future access when needed.

Eligibility depends on age, home value, existing liens, and program requirements.

Many homeowners approaching or in retirement have value in their home they have not yet considered. These are the most common reasons people ask.

Accessing retirement equity involves more steps than a standard refinance, and counseling is one of them. Here is the path from first conversation to funds.

Each option handles age, monthly payments, and repayment differently. Compare them before you choose.

Programs, age rules, and costs vary. Your options depend on your age, home value, existing loans, and program limits. All options may not be available to all borrowers. Please speak with us about the different costs and fees associated with each option and review all provided lender documentation to understand all costs associated with any financial transaction.

Tell us a little about your home and goals. We will review your equity and walk you through the options that fit your age and situation, with the costs and requirements explained.

We are reviewing your home equity options. Expect to hear from us within one business day.

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Your information is secure and will never be sold. By submitting, you consent to be contacted about home equity options.

A clearer view of home

Understand the home, the neighborhood, and the market — all in one personalized report.

✓ Estimated value & property details

✓ Nearby sales & rental comparisons

✓ Neighborhood & market insights

✓ Branded PDF, ready to keep or share

Start with a property address. We’ll take it from here.

Your report will be available to download and keep.

Get your PDF here and a copy in your inbox.

By continuing, you agree to receive your report and be contacted about this property by .

This can take a few minutes. Please keep this page open.

Using home equity in retirement affects your home, your income, and the people who may inherit it. I walk through the requirements, costs, and alternatives in plain language. If another option fits your situation better, I will tell you that too.

Clear answers about reverse mortgages, monthly payments, and what happens to your home.

Get a free, no-obligation review of your home equity and the options that match your age and retirement goals.

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