CIVIL CODE,DIVISION 3,HEADING,PARTICULAR,TRANSACTIONS,ENACTED,LOAN,CHAPTER 8,REVERSE,MORTGAGES,CHAPTER,REVERSE MORTGAGE,MEANS,NONRECOURSE LOAN,REAL PROPERTY,CASH,BORROWER,EQUITY,VALUE,BORROWERS,OWNER OCCUPIED,PRINCIPAL,PAYMENT,INTEREST,ENTIRE,PAYABLE,C,LENDER,LICENSED,CHARTERED,THE LAWS,STATE,THE UNITED STATES,EFFECTIVE,JANUARY 1,SHALL,REQUIREMENTS,PENALTY,TERM,SECTION,FEES,PAYMENTS,CHARGES,FIXED,ADJUSTABLE INTEREST RATE,COMBINATION,COMPOUND INTEREST,CONTINGENT,THE PROPERTY,EXECUTION,OR AT,MATURITY,CHANGES,CLOSING,COSTS,LENDERS,ORIGINATOR,BASIS,REDUCED,AMOUNT,NUMBER,ADJUSTMENT,INTEREST RATE,DOCUMENTS,CURE,DEFAULT,NOTICE,THE BORROWER,TREBLE,PLUS,LEGAL,RATE,EVENTS,THE HOME,SECURING,SOLD,CEASE,EXCEPT,SUBDIVISION,FIXED MATURITY,DATE,EVENT,SECURITY,SUBJECT TO,CONDITIONS,DAYS,CAUSE,MORTGAGE,LESS THAN ONE,TAKEN,PRIOR,ACTION,MANNER,RIGHT,COLLECT,STATUTE OF LIMITATIONS,WRITTEN,CONTRACTS,NOTWITHSTANDING,PROVISION,LAW,LOAN AGREEMENT,DISCLOSE,PERIOD,ENDS,FULL,PAGE,DEED OF TRUST,STATEMENT,POINT,BOLDFACE,TYPE,ANY OTHER PERSON,ORIGINATION,APPLICANT,PURCHASE,ANNUITY,CONDITION,PARTY,IN OR,FINANCIAL,INSURANCE,ACTIVITY,UNLESS,PROCEDURAL,SAFEGUARDS,ENSURE,INDIVIDUALS,INCENTIVE,INSURANCE PRODUCT,REFER,TO ANYONE,EXPIRATION,THE RIGHT,RESCIND,AGREEMENT,PREVENT,OFFERING,REFERRING,TITLE INSURANCE,HAZARD,FLOOD,PERIL,SIMILAR,CUSTOMARY,NORMAL,APPLY,PARAGRAPH,SUBSECTION,TITLE 12 OF THE UNITED STATES,CODE,REGULATIONS,GUIDANCE,PROMULGATED,FROM TIME TO TIME,WHETHER,THE PROGRAM,AUTHORIZED,COMPLETE,APPLICATION,FEWER,COUNSELING,DEPARTMENT OF HOUSING,URBAN DEVELOPMENT,ENGAGE,IN REVERSE,TITLE 24 OF THE CODE OF,FEDERAL REGULATION,AGENCY,COMPENSATION,ENTITY,INVOLVED,SERVICING,THE SALE,ANNUITIES,INVESTMENTS,LONG TERM CARE INSURANCE,FINANCIAL ASSISTANCE,THE OFFERING,SELLING,ACCEPT,THE LAPSE,SEVEN DAYS,EVIDENCED,CERTIFICATION,REPRESENTATIVE,CONDUCTED,IN PERSON,SIGNED,THE AGENCY,COUNSELOR,NAME,ADDRESS,TELEPHONE NUMBER,THE COUNSELOR,ELECTRONIC,FACSIMILE,HOUSING,ACCURATE,ACCESSIBLE,FORMAT,THE CASE,LOANS,COMPLIANCE,LIEN,SUBJECT,PROPERTY,EXTENT,PRIORITY,FILED,LEGAL TITLE,TRUST,OCCUPANT,BENEFICIARY,LOAN APPLICATION,PLAIN LANGUAGE,COMPLEX,FINANCIAL TRANSACTION,IF YOU,DECIDE,YOU WILL,SIGN,BINDING,LEGAL DOCUMENTS,FOR YOU,YOUR,ESTATE,THEREFORE,UNDERSTAND,TERMS,FUTURE,NEEDS,ENTERING,TRANSACTION,YOU ARE,CONSULT,INDEPENDENT,DISCUSS,TO YOU,SENIOR CITIZEN,ADVOCACY GROUPS,ADVISE,RELATED,FINANCIAL PRODUCTS,PURPOSE,SHOULD,THE FINANCIAL,IMPLICATIONS OF,FAMILY MEMBERS,ADDITION,THE PLAIN,LANGUAGE,HIS OR HER,MEETING,WORKSHEET,GUIDE,THE EVENT,SEEKS,CONSIDER,AVAILABLE,OPTIONS,SELF,EVALUATION,ESSENTIAL,QUESTIONS,DIRECTIONS,THE STATE OF CALIFORNIA,READ,BRING IT,WITH YOU,SESSION,NOTES,PIECE,PAPER,YOU CAN,SPEAK,OPENLY,PROFESSIONAL,HELP,WHAT IT,YOUR HOME,AFTER YOU,MOVE,RULE,DIES,MOVES,MONTHS,THE FUTURE,LIVING WITH YOU,CANNOT,PAID OFF,HAVE TO,ORDER,SATISFY,DETERMINE,ISSUE,YOURSELF,LIVING,PERMANENTLY,DISCUSSED,WITH THEM,HEIRS,DO NOT,ENOUGH,MONEY,PASS,FORECLOSURE,NEED TO,YES OR NO,DO YOU KNOW,CONTINUOUS,FAIL,KEEP UP,PROPERTY TAXES,HOME MAINTENANCE,DEFAULTS,LEAD,FORECLOSURES,ADEQUATE,RESOURCES,INCOME,SUPPORT,ONCE,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,FULLY,LESS,EXIST,CONSIDERATION,COMPOUNDING,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,SUITABLE,THE COST,EXCEED,GAIN,PRODUCT,FREEZE,YOUR MONEY,HIGH,SURRENDER,SERVICE,SALES,AGENT,IMPACT,GOVERNMENT,ASSISTANCE,COUNT,CONVERTING,CREATE,ASSET,FEDERAL,TAXES,IF YOU GO,PERIOD OF TIME,BENEFITS,THE HOMEOWNER,MEDI,MAKE IT,TRANSFER,OWNERSHIP,THUS,RECOVERY,DONE,PRESUMED,DISCLOSURE,DUTY,FAILURE,NOTHING,EXISTING,CIVIL REMEDIES,BY LAW,IMPLEMENTATION OF,CONFLICT,FEDERAL LAW,THE LOSS,FEDERAL FUNDING,DETERMINING,MEANS TESTED,THE BORROWERS,PROGRAM,THE FEDERAL,SUPPLEMENTAL SECURITY INCOME,ENERGY,RELIEF,GENERAL ASSISTANCE,MEDICAL,SOCIAL SECURITY ACT,FORTH,DIVISION,WELFARE,EXECUTED,AFTER JANUARY,