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About

PAT SMOOT  NMLS# 208308

Reverse Mortgage Specialist

 

30+ years of Customer Service experience

13 years as a mortgage Professional

 

Call Me!  727.656.5657

ACCESS REVERSE | PHONE727 240-0000 | 13770 58th St. N Ste 318 
CLEARWATER, FL 33760

Access Reverse Mortgage Corporation | NMLS#4566

Licensed Mortgage Professional, specializing in Reverse Mortgages

 

"I provide seniors with the options available to help supplement their income while eliminating mortgage principle & interest payments.  A Reverse Mortgage is an excellent tool that offers the security many seniors are looking for.  Life events such as unexpected loss of a job, reduced retirement plans or the loss of a spouse can cause great stress and incredible hardship for an already stretched budget.  I feel my most important job is educating clients and the community on the benefits of a Reverse Mortgage.  Since these products are not the solution for everyone, sharing the value and issues to consider, are vital for potential clients.  
I come to you to review your options, I make house calls."

 

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Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant. Reverse Mortgage Borrowers must be age 62 or over and the home must be their primary residence. Homeowners must complete counseling with a government-certified counselor before applying. Homeowners must pay property taxes, insurance, and homeowner’s association dues. Consult a tax professional for tax consequences. A reverse mortgage is a loan and must be repaid. Loan amount based on equity in your home. Payout available in lump sum or in regular scheduled payments. Proceeds will not affect Social Security or Medicare Benefits. There’s no need to repay the loan as long as you continue to live in the house and maintain the property to FHA standards. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Interest rates and program guidelines are subject to change without notice. AccessReverse is an Equal Opportunity Lender. NMLS#4566


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