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Sean Houlihan
Home Equity Retirement Specialist | NMLS # 340529
Washington DC Metro Area | Mortgage
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Synergy One Lending Inc. d/b/a Retirement Funding Solutions, NMLS 1025894. 3131 Camino Del Rio N 190, San Diego, CA 92108. Alabama Consumer Credit License #22123; Arizona Mortgage Banker License 0926603; Arkansas Combination Mortgage Banker/Broker/Servicer License 109250; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – California License 4131356; California Lenders Law License #60DBO93110. District of Columbia Mortgage Dual Authority License MLB1025894; Hawaii Mortgage Loan Originator Company License #HI-1025894; Illinois Residential Mortgage Licensee #MB.6761115; Maine Supervised Lender License 1025894; Maryland Commissioner of Financial Regulation - Mortgage Lender License 21678; Minnesota Residential Mortgage Originator Exemption #MN-OX-1025894; Nevada Exempt Company Registration 4830. Licensed by the New Hampshire Banking Department 19926-MB; Licensed by the New Jersey Banking and Insurance Department – New Jersey Residential Mortgage Lender License 1025894; New Mexico Mortgage Loan Company License 1025894; North Dakota Money Broker License MB103387; Oregon Mortgage Lending License ML- 5208; Rhode Island Lender License #20163229LL. Rhode Island Loan Broker License #20163230LB; Vermont Lender License 6891. Washington Consumer Loan Company License CL-1025894. (866) 200-3210. Subject to Credit Approval. Charges such as an origination fee, mortgage insurance premiums, closing costs and/or servicing fees may be assessed and will be added to the loan balance. As long as you comply with the terms of the loan, you retain title until you sell or transfer the property, and, therefore, you are responsible for paying property taxes, insurance and maintenance. Failing to pay these amounts may cause the loan to become immediately due and/or subject the property to a tax lien, other encumbrance or foreclosure. The loan balance grows over time, and interest is added to that balance. Interest on a reverse mortgage is not deductible from your income tax until you repay all or part of the interest on the loan. Although the loan is non-recourse, at the maturity of the loan, the lender will have a claim against your property and you or your heirs may need to sell the property in order to repay the loan, or use other assets to repay the loan in order to retain the property.
About Sean Houlihan
Sean Houlihan holds the Certified Financial Planner™ designation and is a Home Equity Retirement Specialist with over 21 years working in financial services. His focus is helping pre and post-retirees maintain or improve their lifestyles by fully understanding and utilizing all the retirement tools available; such as HECM for purchase and reverse mortgages; (Home Equity Conversion Mortgages). He has spent several years in the reverse space and is one of a small number who understand all aspects of retirement planning. He is a detail-oriented person and takes the time to listen and tailor solutions to meet the needs of his clients. He is easy to work with and understands the importance of taking time to educate his customers and spends the time necessary to answer their questions. He takes pride in helping others achieve their dreams and takes great pleasure in getting to know his client’s and their families. Sean shares his knowledge of the HECM (reverse) options available with professional and civic organizations, and especially with individuals and families wanting to maintain and enjoy their lifestyle.