Ken Andreas - GFS Home Loans
Reverse Mortgage Manager
NMLS #169670
5345 Towne square drive, suite 110, Plano, Texas, 75024

Phone: (972) 9619401
Work Phone: (972) 961-9401
Cell Phone: (713) 882-9799
Fax Number: (972) 476-1181
Email: kandreas@gfshomeloans.com

GFS Home Loans DBA of Right Start Mortgage, Inc.
NMLS ID# 35960

GFS Home Loans and Providence Home Loans are DBAs of Right Start Mortgage, Inc., NMLS ID# 35960 – visit Consumer Access - Company (nmlsconsumeraccess.org) to see all state licenses and locations. Corporate location and additional disclosures: 80 S Lake Avenue, Suite 520, Pasadena, CA 91101. Phone: 800-520-5626. AL - License No, 23424, AZ - Mortgage Banker License #BK - 0905721, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, CO - Regulated by the Division of Real Estate, GA -Residential Mortgage License #35960, MS - Licensed by the MS Department of Banking and Consumer Finance, NV - License #4256, OH - RM 805107. OR - ML - 1434, WA - KS - Licensed Mortgage Company #MC.0026690 - Consumer Loan Company License CL-35960. Some products may not be available in all states. This is not a commitment to lend. Equal Housing Lender.

This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.

*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.

TEXAS RECOVERY FUND NOTICE: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.