LAW,SECTION,SKIP,CONTENT,FEEDBACK,LOGIN,QUICK,SEARCH,BILL,INFORMATION,CALIFORNIA LAW,PUBLICATIONS,RESOURCES,FAVORITES,CODE,SELECT,TEXT,PREVIOUS,CROSS REFERENCE,CIVIL CODE,HEADING,DIVISION 3,PARTICULAR,TRANSACTIONS,ENACTED,LOAN,CHAPTER 8,REVERSE,MORTGAGES,REVERSE MORTGAGE,LOAN APPLICATION,SHALL,TAKEN,LENDER,UNLESS,APPLICANT,PRIOR,COUNSELING,PLAIN LANGUAGE,STATEMENT,POINT,TYPE,BORROWER,COMPLEX,FINANCIAL TRANSACTION,IF YOU,DECIDE,YOU WILL,SIGN,BINDING,LEGAL DOCUMENTS,LEGAL,FINANCIAL,FOR YOU,YOUR,ESTATE,THEREFORE,UNDERSTAND,TERMS,FUTURE,NEEDS,ENTERING,TRANSACTION,YOU ARE,CONSULT,INDEPENDENT,COUNSELOR,DISCUSS,WHETHER,RIGHT,TO YOU,SENIOR CITIZEN,ADVOCACY GROUPS,ADVISE,PURCHASE,ANNUITY,RELATED,FINANCIAL PRODUCTS,PURPOSE,SHOULD,THE FINANCIAL,IMPLICATIONS OF,FAMILY MEMBERS,ADDITION,THE PLAIN,LANGUAGE,NOTICE,SUBDIVISION,HIS OR HER,MEETING,AGENCY,WORKSHEET,GUIDE,THE EVENT,SEEKS,CONSIDER,AVAILABLE,OPTIONS,SELF,EVALUATION,ESSENTIAL,QUESTIONS,DIRECTIONS,THE STATE OF CALIFORNIA,READ,COMPLETE,BRING IT,WITH YOU,SESSION,NOTES,PIECE,PAPER,YOU CAN,SPEAK,OPENLY,PROFESSIONAL,HELP,WHAT IT,MEANS,INVOLVED,YOUR HOME,AFTER YOU,MOVE,RULE,THE BORROWER,DIES,MOVES,THE HOME,MONTHS,THE FUTURE,LIVING WITH YOU,CANNOT,PAID OFF,HAVE TO,SOLD,ORDER,SATISFY,DETERMINE,ISSUE,YOURSELF,LIVING,PERMANENTLY,C,DISCUSSED,WITH THEM,HEIRS,DO NOT,ENOUGH,MONEY,PASS,FORECLOSURE,NEED TO,YES OR NO,DO YOU KNOW,DEFAULT,CONTINUOUS,FAIL,KEEP UP,INSURANCE,PROPERTY TAXES,HOME MAINTENANCE,DEFAULTS,LEAD,FORECLOSURES,ADEQUATE,INCOME,SUPPORT,ONCE,EQUITY,ARE YOU,LUMP SUM,WITHDRAWAL,REACHED,LIMIT,FUNDS,UNEXPECTED,MEDICAL EXPENSES,ABILITY,FINANCE,ALTERNATIVE LIVING,INDEPENDENT LIVING,ASSISTED LIVING,LONG TERM CARE,NURSING HOME,ROUTINE,HOME REPAIRS,MAINTENANCE,FACTOR,MORTGAGE,PAYABLE,FULLY,LESS,EXIST,CONSIDERATION,COMPOUNDING,INTEREST,LOANS,DEBT,GOES,WANT TO,ALTERNATIVES,ASSETS,COMMIT,ALTERNATIVE,LIMITED,HOME EQUITY,LINES OF CREDIT,PROPERTY TAX,DEFERRAL,GOVERNMENTAL,LENDING,ABLE,FRIENDS,FINANCIAL PRODUCT,THE HIGH,COST,INCREASING,BORROWERS,INVESTMENTS,SUITABLE,THE COST,EXCEED,GAIN,PRODUCT,FREEZE,YOUR MONEY,HIGH,SURRENDER,FEES,SERVICE,CHARGES,COSTS,SALES,AGENT,OFFERING,IMPACT,GOVERNMENT,ASSISTANCE,COUNT,INDIVIDUALS,CONVERTING,CREATE,ASSET,STATE,FEDERAL,TAXES,IF YOU GO,PERIOD OF TIME,THE SALE,BENEFITS,THE HOMEOWNER,MEDI,BENEFICIARY,MAKE IT,TRANSFER,OWNERSHIP,THUS,RECOVERY,PARAGRAPH,SIGNED,THE AGENCY,DONE,IN PERSON,CERTIFICATION,EFFECTIVE,JANUARY 1,