Q.  Will I still own my home?

A.  Absolutely!  Your name doesn't leave the title to your home until you sell it. Q.  Can I qualify if I already have a mortgage on my home?

A.  Yes, if you have sufficient equity in your home. Q.  What will happen to my home after I die?

A.  Your heirs can choose to sell the home and keep the remaining proceeds, or they can refinance the loan balance into a "forward" mortgage and keep possession of the home.  Either way, your estate is only responsible for the amount you borrowed plus accrued interest.  Q.  What if my home sells for less than the loan balance?

A.  You and your estate are NOT responsible for the difference between the sales price and the loan balance, as long as the home is sold for at least 90% of the fair market value. Q.  What if my home sells for more than the balance of the loan?

A.  You and your heirs keep any money made on the sale of the home that exceeds the amount of the mortgage. Q.  Do I have to pay closing costs?

A.  As with any loan, there are costs associated with closing a Reverse Mortgage.  The costs can be included in the mortgage itself, so you will not be required to bring cash to closing. Q.  What fees are required?

A.  Closing fees, such as attorney's fees, loan origination, title exam fees, and other customary closing fees will apply.  These are the same fees you will be familiar with from when you purchased or refinanced the home.  The great news is that these fees can be paid from your reverse mortgage proceeds, eliminating out of pocket expenses to you. Q.  Are there limits on how I can use my money?

A.  No, this money is yours--you have saved this money through equity and appreciation.  As a result, this money is yours tax-free* to use for any purpose. *A few unique circumstances may cause tax consequences.  Please consult a tax professional for details.  Q.  Will a Reverse Mortgage affect my Social Security, Medicare or other benefits? A.  Reverse Mortgage proceeds will not effect Social Security or Medicare.  However, Medicaid or state assistance recipients may be affected by "spend down" limits on assets.  Please discuss this issue with a tax or financial advisor or your local area Agency on Aging.

Unity Mortgage Corp - Reverse Mortgage Division is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Unity Mortgage Corp - Reverse Mortgage Division Web site and governs data collection and usage. By using the Unity Mortgage Corp - Reverse Mortgage Division website, you consent to the data practices described in this statement.

Collection of your Personal Information

Unity Mortgage Corp - Reverse Mortgage Division collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Unity Mortgage Corp - Reverse Mortgage Division also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Unity Mortgage Corp - Reverse Mortgage Division. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Unity Mortgage Corp - Reverse Mortgage Division for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Unity Mortgage Corp - Reverse Mortgage Division Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Unity Mortgage Corp - Reverse Mortgage Division public message boards, this information may be collected and used by others. Note: Unity Mortgage Corp - Reverse Mortgage Division does not read any of your private online communications.

Unity Mortgage Corp - Reverse Mortgage Division encourages you to review the privacy statements of Web sites you choose to link to from Unity Mortgage Corp - Reverse Mortgage Division so that you can understand how those Web sites collect, use and share your information. Unity Mortgage Corp - Reverse Mortgage Division is not responsible for the privacy statements or other content on Web sites outside of the Unity Mortgage Corp - Reverse Mortgage Division and Unity Mortgage Corp - Reverse Mortgage Division family of Web sites.

Use of your Personal Information

Unity Mortgage Corp - Reverse Mortgage Division collects and uses your personal information to operate the Unity Mortgage Corp - Reverse Mortgage Division Web site and deliver the services you have requested. Unity Mortgage Corp - Reverse Mortgage Division also uses your personally identifiable information to inform you of other products or services available from Unity Mortgage Corp - Reverse Mortgage Division and its affiliates. Unity Mortgage Corp - Reverse Mortgage Division may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Unity Mortgage Corp - Reverse Mortgage Division does not sell, rent or lease its customer lists to third parties. Unity Mortgage Corp - Reverse Mortgage Division may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Unity Mortgage Corp - Reverse Mortgage Division may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Unity Mortgage Corp - Reverse Mortgage Division, and they are required to maintain the confidentiality of your information.

Unity Mortgage Corp - Reverse Mortgage Division does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Unity Mortgage Corp - Reverse Mortgage Division keeps track of the Web sites and pages our customers visit within Unity Mortgage Corp - Reverse Mortgage Division, in order to determine what Unity Mortgage Corp - Reverse Mortgage Division services are the most popular. This data is used to deliver customized content and advertising within Unity Mortgage Corp - Reverse Mortgage Division to customers whose behavior indicates that they are interested in a particular subject area.

Unity Mortgage Corp - Reverse Mortgage Division Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Unity Mortgage Corp - Reverse Mortgage Division or the site; (b) protect and defend the rights or property of Unity Mortgage Corp - Reverse Mortgage Division; and, (c) act under exigent circumstances to protect the personal safety of users of Unity Mortgage Corp - Reverse Mortgage Division, or the public.

Use of Cookies

The Unity Mortgage Corp - Reverse Mortgage Division Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Unity Mortgage Corp - Reverse Mortgage Division pages, or register with Unity Mortgage Corp - Reverse Mortgage Division site or services, a cookie helps Unity Mortgage Corp - Reverse Mortgage Division to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Unity Mortgage Corp - Reverse Mortgage Division Web site, the information you previously provided can be retrieved, so you can easily use the Unity Mortgage Corp - Reverse Mortgage Division features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Unity Mortgage Corp - Reverse Mortgage Division services or Web sites you visit.

Security of your Personal Information

Unity Mortgage Corp - Reverse Mortgage Division secures your personal information from unauthorized access, use or disclosure. Unity Mortgage Corp - Reverse Mortgage Division secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Unity Mortgage Corp - Reverse Mortgage Division will occasionally update this Statement of Privacy to reflect company and customer feedback. Unity Mortgage Corp - Reverse Mortgage Division encourages you to periodically review this Statement to be informed of how Unity Mortgage Corp - Reverse Mortgage Division is protecting your information.

Contact Information

Unity Mortgage Corp - Reverse Mortgage Division welcomes your comments regarding this Statement of Privacy. If you believe that Unity Mortgage Corp - Reverse Mortgage Division has not adhered to this Statement, please contact Unity Mortgage Corp - Reverse Mortgage Division at admin@unityreverse.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.