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Golden Years at Home — reverse mortgage and senior home-loan guidance from Steve McNeal (NMLS #256426). Straight answers, no pressure, and a real person to call.

Reach Steve directly: steve@firstcapitalmortgageinc.com · 209-522-7100

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Reverse Programs

Reverse Mortgage (HECM)
HECM for Purchase
Jumbo Reverse Mortgage
Reverse Mortgage Refinance
Senior Refinance & Aging in Place

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209-522-7100
1317 Oakdale Rd, Ste 1110 #103, Modesto, CA 95355
steve@firstcapitalmortgageinc.com

First Capital Mortgage Inc. — NMLS #2228346 (California) / #2527671 (Nevada & Tennessee). Steve McNeal, NMLS #256426. California DRE: Corporation #02139775 · Steven McNeal #01017974. 1317 Oakdale Rd, Ste 1110 #103, Modesto, CA 95355. Equal Housing Opportunity.

This material is not from HUD or FHA and was not approved by HUD, FHA, or any government agency. First Capital Mortgage Inc. is not affiliated with or acting on behalf of any government agency.

A reverse mortgage is a loan. You retain title to and ownership of your home. You must continue to pay property taxes, homeowners insurance, HOA dues (if any), and maintain the property, and keep it as your primary residence, or the loan may become due and payable. Reverse mortgage borrowers must complete counseling with an independent, HUD-approved housing counselor before the loan can close.

This is not tax or financial advice. Please consult your tax advisor and financial professional. Reverse mortgage proceeds are generally not considered taxable income but may affect eligibility for need-based government benefits such as Medicaid or SSI.

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