As a valued holder of a reverse mortgage, we would like to bring your attention to the importance of completing the annual occupancy certificate. This simple step ensures that you continue to enjoy the full benefits of your reverse mortgage and avoid any potential complications in the future.The annual occupancy certificate is a document that confirms you are still residing in your home, which is a requirement of your reverse mortgage agreement. By completing and submitting this certificate, you help us maintain accurate records and comply with the guidelines set by regulatory authorities.

Why is completing the annual occupancy certificate crucial?

1. Compliance: Providing the annual occupancy certificate ensures that you are fulfilling your obligations under the terms of your reverse mortgage agreement. This helps to maintain a positive and compliant relationship between you and the lending institution.
2. Financial Security: The completion of the annual occupancy certificate helps protect your financial security. By confirming your continued occupancy, it ensures that your reverse mortgage benefits, such as access to funds or loan deferral, are not affected.
3. Preventing Misunderstandings: Submitting the annual occupancy certificate reduces the chances of misunderstandings between you and the lending institution. It serves as a clear record of your ongoing residency and helps prevent any unnecessary complications or communication gaps.

How can you complete the annual occupancy certificate?

Completing the annual occupancy certificate is a straightforward process. You may have received a physical copy of the form by mail or email. If you haven't received it or have misplaced it, please reach out to our customer service team, and they will be happy to assist you. Once you have the form, please take the time to review it carefully and provide accurate information. Ensure that all required fields are filled out correctly. You can then submit the completed form through one of the following options which are listed on the form.

1. Email: Scan or take a clear photo of the completed form and send.
2. Mail: Mail the form to the address provided.
3. Fax: If you have access to a fax machine, you can fax to the number provided.

4. E-Sign: You could log on to the portal, if provided, and submit an electronic signature.

This form is typically sent out about 30 days prior to the anniversary date that your reverse mortgage originated. We recommend completing and submitting the form as soon as possible to avoid delays. In case you have any questions or require assistance, contact your loan servicer and they should be able to assist. Thank you for taking the time to read this email and for your cooperation in completing the annual occupancy certificate. Your commitment helps us maintain accurate records and ensures a smooth and hassle-free experience with your reverse mortgage.