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*Reverse mortgage proceeds are loan advances, not income, so they're generally not subject to income tax. This is general information, not tax advice — please consult a tax advisor about your situation.

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Counseling & Getting Started

· September 6, 2022

Reverse Mortgage Counseling

Explains the required HUD-approved counseling session. An independent, HUD-approved counselor reviews how reverse mortgages work, the costs, and the alternatives, to make sure you can make an informed decision. It is a consumer-protection step — not a sales pitch — and is required before you can proceed.

Presented by Miguel A. Vazquez

California Reverse Mortgage Specialist · NMLS #401212 · 20+ years experience

Licensed CA Broker

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Reverse Mortgage Counseling

What You'll Learn

1Required, independent HUD counseling
2Reviews costs and alternatives
3A consumer-protection step
4Confirms you're making an informed choice

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Miguel answers any reverse mortgage question — no pressure, no obligation. Serving all of California in English and Spanish.

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Miguel A. Vazquez personally handles your request — not a call center. NMLS #401212

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Your Risk-Free Promise

No upfront appraisal cost. Miguel pays for your home appraisal himself. He's only reimbursed at closing — and only if your loan actually closes.
No upfront credit cost. Miguel also covers the cost of pulling your credit. There is nothing out of your pocket to get started.
Cancel anytime — you lose nothing. Change your mind at any point and you can simply walk away. If your loan doesn't close, Miguel absorbs those costs — never you.

Miguel A. Vazquez pays the upfront appraisal and credit-report costs and is reimbursed only at closing. If the loan does not close, the borrower owes nothing for these items.

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Talk to a Reverse Mortgage Plus advisor about your specific situation. No cost, no commitment.

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✓ FHA-approved, licensed CA broker

✓ HUD counseling guidance included

✓ No pressure, no obligation

✓ English & Spanish support

✓ 92+ California cities served

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