Senior Homeowners Warned of Risks of Reverse Mortgages – ABC News #reverse #mortgage, #foreclosure, #homeowners, #banks, #business #news, #financial #news, #economy #news, #personal #finance, #money #news


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Risks of Reverse Mortgages

Linda and Jim McMahan said they could not believe their luck in 1993 when they found their dream house.

“We loved it,” she said. “It wasn’t a huge house, but it was a nice size. It had the big trees in the yard. And we have deer in the yard every day, and wild turkeys. What more could you want?”

As is true for so many Americans, the McMahans’ home in St. Croix, Wis. was the couple’s dream and nest egg. That is, until their home was drained of its 19-year equity by a reverse mortgage and sold out from under Linda to pay it back as soon as her husband died.

“They must read the death notices, because I’d say within two days, I get a letter: ‘Sorry to hear about your husband passing away,'” she said. “And they said, ‘Well, you either have to buy the house or move out.'”

Only people 62 and older qualify for reverse mortgages. They work by giving homeowners the option of an immediate cash payment in exchange for the future value of their house upon death or sale.

When the McMahans applied for the reverse mortgage in 2005, Linda was under 62, so her name was not included on the reverse mortgage. When her husband died, Linda had no claim to her home of nearly two decades. She lost it.

The McMahans did receive the required counseling before receiving the mortgage and were aware she would no longer be listed, but were unclear about the process needed to add her name — which would have required another refinancing when she turned 62 as outlined in their mortgage documents.

It’s only one of the dangers inherent in the reverse mortgage that government officials are warning consumers about today.

According to the Department of Housing and Urban Development, right now in America, 57,000 seniors like McMahan are in danger of losing their homes — a 9.8 percent foreclosure rate, four times higher than for traditional mortgages.

Reverse mortgages peaked in 2009, rising to an all-time high of 114,639; so far in 2012, 54,676 have been issued.

California currently has the most reverse mortgages with nearly 7,000 issued just this last year; Texas and Florida follow with 4,800 and 3,300 respectively.

Critics say the TV commercials, with celebrities like Fred Thompson and Henry Winkler, prey on vulnerable seniors by claiming homeowners can “turn their equity into tax-free cash.”

Today, the government is warning: Reverse mortgages are not free money.

Prescott Cole, senior staff attorney for California Advocates for Nursing Home Reform, says seniors are a target because many have money saved, are often isolated and at times have “cognitive impairments” reducing their ability to make rational decisions.

“They’re not being told about the downsides,” Cole said. “When we hear about reverse mortgages, we’re hearing the good things. that these are loans that don’t have to be paid back either until the senior dies or permanently moves out of the home. they’re told, nothing to worry about.”

Peter Bell, the CEO and president of the National Reverse Mortgage Lenders Association, says the commercials are not misleading.

“How much can you get in a 30-second commercial?” Bell said. “These are not ads to get a reverse mortgage, but ads to get more information and learn about reverse mortgages.”

Seventy percent of the time, seniors exchange the equity in their homes for the reverse mortgage payout as a lump sum and the money is too often spent by the time it’s needed for late-in-life hardships.

The Department of Housing and Urban Development is expected Thursday to recommend that Congress limit large lump sum payments, and recommend seniors be very careful with reverse mortgages.

Hubert H. Humphrey III, the assistant director for the Consumer Financial Protection Bureau’s Office of Older Americans, says that a reverse mortgage should be the last option.

“This is your nest egg. This is what you use when you don’t have any other resources,” he said. “People are not taking this out as a last available resource, they’re all too often taking it out at age 62 right when they just qualify, and so they live another 15, 20, 25 years, and when they really need the money there’s nothing there.”

Humphrey said that couples who live together should always borrow together to protect both parties’ interest in the property, so that the McMahans’ experience will not happen.

By law, the Department of Housing and Urban Development requires counseling before someone receives a reverse mortgage, and recommends that extended family also take part to ensure the risks are clear, a stance NRMLA supports.

The National Reverse Mortgage Lenders Association also says that the industry itself has worked to improve counseling for potential borrowers.

“All in all there is a concentrated effort by all parties involved to improve counseling and we have seen a steady trajectory of its improving,” Bell said.

According to the National Reverse Mortgage Lenders Association, reverse mortgages have helped more than 750,000 senior households and if the Department of Housing and Urban Development does recommend a limit on borrowing, the association will support it fully.

For Linda McMahan, the risks of her reverse mortgage — an option she wishes she had never been presented — now means living in a small apartment a block from her dream house.

“It’s a wonderful house,” she said. “I hope somebody will enjoy it.”

AARP shared these links as resources:


Top 10 Reverse Mortgage Lenders- Find the Best One for You! #current #reverse #mortgage #rates


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Top 10 Reverse Mortgage Lenders

Since being introduced in 2001, reverse mortgages have been allowing senior citizen home owners to take advantage of the equity in their home and receive a cash payment or a line of credit. Most reverse mortgages, also known as Home Equity Conversion Loans (HECM), are insured by the U.S. Department of Housing and Urban Development (HUD). who supervises reverse mortgage terms and requirements. While HUD doesn t make the loan, it makes sure that the borrower is protected in the event that the lender is unable to make the reverse mortgage payment or if the home value has decreased so much that the loan balance cannot be paid.

If you re still asking yourself: What is a reverse mortgage? Click here!

Considering a Reverse Mortgage Lender- What to Look for

  • Types of reverse mortgages offered. There are three types of reverse mortgages. The federal-insured reverse mortgage, more commonly known as Home Equity Conversion Loan (HECM), doesn t have many requirements, but has a higher upfront cost. The single-purpose reverse mortgage, which is low-cost and geared towards people with lower incomes, can be used for specific purposes, like home improvements and repairs, or for paying property taxes. The third kind of reverse mortgage is the proprietary reverse mortgage, which is a loan offered by a private company.
  • Fees. Reverse mortgage costs, especially Home Equity Conversion Loans. can end up being very costly. Insurance premiums, origination fees, title insurance, and other fees can be as high as a few thousand dollars, so finding a reverse mortgage lender that will disclose and explain the overall cost of the loan before signing a contract is very important.
  • Interest rates. Reverse mortgage lenders usually only offer adjustable-rate loans, but some also offer fixed-rate loans. Interest rates for reverse mortgage loans are lower than the ones for conventional loans. If several lenders offer you the same interest rates, it s always best to go with the one that is the most informed and easy to work with.
  • Accreditations and ratings. While many legitimate and trustworthy lenders are not members of the National Reverse Mortgage Lenders Association (NRMLA). choosing a reverse mortgage lender that is a member will give you more peace of mind. Members of the NRMLA must conform to a strict code of lending ethics, meaning that there is a much bigger chance that they will be reliable. A good lender will also have a good rating on websites like the Better Business Bureau (BBB). where you can also learn of any complaints against the company.

Before applying for a reverse mortgage, seniors must be aware that, while this type of loan has its advantages, it also comes with some downsides. Once you understand the whole reverse financing process and decide that it is the best choice in your situation, you need to start searching for the reverse mortgage lender that will best satisfy your needs. Here are the top 10 reverse mortgage lenders that will offer you the best balance between a good deal and a hassle free experience:

Top 10 Reverse Mortgage Lenders

  1. Liberty Home Equity Solutions. Formerly known as Genworth Financial Home Equity Access (GFHEA), this company was founded in 2003, and has since helped improve the lives of over 27,000 seniors. Liberty Home Equity Solutions has more than 450 associates in the U.S. and is one of the largest reverse mortgage lenders in the country.
  2. Security One Lending. Licensed in 40 U.S. states, Security One Lending (S1L), launched its business back in 2006, and today it is recognized as one of California’s best reverse mortgage lenders. In 2011, actor Pat Boone became S1L’s celebrity spokesman.
  3. American Advisors Group. AAG (American Advisors Group) is one of the nation’s leading reverse mortgage lenders. Better Business Bureau (BBB) gave the company an A+ rating, and AAG is approved by U.S. Department of Housing and Urban Development. American Advisors Group has over 450 employees, and it is licensed in 43 U.S. states.
  4. One Reverse Mortgage. According to the 2012 U.S. Department of Housing and Urban Development (HUD) HECM Endorsement Summary Report, One Reverse Mortgage is America’s largest Home Equity Conversion Mortgage originator. A Quicken Loans company, One Reverse Mortgage was founded in 2001, and employs over 250 persons dedicated to providing quality services to senior clients.
  5. Generation Mortgage Company. This privately held company launched its business in 2002 in Atlanta, Georgia. Generation Mortgage Company is accredited by the Better Business Bureau, and is an approved Ginnie Mae issuer.
  6. Urban Financial Group. Founded in 2003 in Oklahoma, Urban Financial Group is licensed in the following states: Oklahoma, Colorado, Illinois, Indiana, Kansas, Michigan, Missouri and Wisconsin. The “Reverse it!” division of Urban Financial Group is the largest provider of wholesale reverse mortgage loans.
  7. Proficio Mortgage Ventures. Headquartered in Florida, Proficio Mortgage has been providing mortgage solutions to the elderly for the last 8 years. The company is licensed to work in 49 states, and it is a subsidiary of Proficio Bank.
  8. Reverse Mortgage USA. Since 2003, Reverse Mortgage USA has been a member of the National Reverse Mortgage Lenders Association. The company is considered the top reverse mortgage educator in the country.
  9. Cherry Creek Mortgage Co. Established in 1987, the company has over 600 employees that provide lending services to thousands of clients. Cherry Creek Mortgage Co. (CCMC) provides reverse mortgage loans through its division, 1 st Reverse Mortgage USA since 2004.
  10. NewDay Financial. NewDay Financial is one of the country’s top mortgage lenders. The company was established in 2002, and received its BBB accreditation the same year.

Moving Forward with Your Mortgage

A reverse mortgage loan is a good choice for seniors over 62 who don t plan on moving into another home in the next two to three years. While it may feature a higher cost with a few risks, under the right circumstances, with the help of professional financial counseling, and by using a good lender, a reverse mortgage loan can be an excellent option for you. For more information, contact a qualified reverse mortgage specialist before proceeding. It never hurts to get more than one quote to make sure you are getting the best deal possible!


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Pros, cons, benefits, disadvantages and pitfalls of reverse mortgages #do #reverse #mortgages #work


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Pros and Cons, Benefits, Pitfalls and Disadvantages of Reverse Mortgages

People who are marketing reverse mortgages are really good at what they do. Just look at reverse mortgages now they are the hot trend in loans and getting some cash into the coffers of America s seniors .

While you may believe all the hype, common sense will tell you that just like all good things they have their pros and cons, advantages and disadvantages, benefits and pitfalls.

PROS, ADVANTAGES, BENEFITS

A reverse mortgage is another way that you can get some money from your own home. In the past, you had to sell your house or use it as collateral for a loan which had to be repaid in monthly installments.

Reversed mortgages. on the other hand, is a type of mortgage where the loan amount is not repaid as long as the homeowner is still living inside the house. The loan is only repaid when the borrowers dies or permanently moves out of the house, or if the house is sold. The lender pays out the loan in three ways: lump sum, monthly payouts, or line of credit. This in reality is a great pro and benefit for the elderly.

There are actually three types of reverse mortgages: (the least expensive) single purpose reverse mortgage, HECM or Home Equity Conversion Mortgages. and private proprietary reverse mortgages. The most popular programs are the HECM loans that are backed by HUD with FHA mortgage insurance.

Single purpose loans are the cheapest, but you can only use them for only one purpose, that can be either home repair or for paying off property taxes. If you seek low-cost mortgages that you can use for different purposes, HECMs are some of the least expensive ones you can find, partly because the american government insures them. Low prices on HECM programs can be added to the list of pros and benefits.

Reverse mortgages are a lot like wine: the older, you are the better. The older you are, the more money you can get. Seniors must be at least 62 years old and must own their home. Eligible homes in this case include single detached homes as well as HUD-approved condominiums and dwellings. Trailer homes do not qualify.

CONS, DISADVANTAGES, PITFALLS

If you re taking out an HECM reverse mortgage, you re required to talk to a counselor designated by the federal government. You will find out soon enough that if you aren t careful, reverse mortgages can negatively impact your finances. Your credit consultant should be sure to point out to you all the cons, disadvantages and pitfalls of reverse mortgage loans aloung with all the costs and fees. Having to talk to a credit adviser can seem like a great disadvantage but in the end it will serve as benefit and can be considered a check on your list of pros.

The federal government has quoted these disadvantages and pitfalls of reverse mortgages:
They can affect your eligibility for another type of loan.
This may affect the inheritance of the borrower s heirs.
The borrower could lose his or her eligibility for Medicaid and Supplementary Security Income (SSI).

What most people do not know is that Medicaid and SSI considers loan advances as cash assets or liquid assets when they are kept beyond the month that a recipient receives them. Borrowers may just find themselves ineligible for these State benefit programs.

There are many reasons why despite the above cons, disadvantages and pitfalls a senior citizen would still take out a reverse mortgage loan. The most common reason is to enable the borrower to pay for the cost of living or to maintain a lifestyle. Still, there are others who use reverse mortgages to plan their estate for the benefit of their heirs.


Wells Fargo Reverse Mortgage Review #chase #bank #reverse #mortgage


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Reverse Mortgage Alert

Wells Fargo Review

Wells Fargo Company is one of the largest and best known banks in the world. Its history dates back to the 1850 s, when Henry Wells and William Fargo began the company to provide banking in California. Today, it is one of the big four United States banks, along with JP Morgan Chase, Bank of America, and Citi. By market cap, it s the second largest and it ranks 4th by total deposits.

Wells Fargo was consistently one of the largest reverse mortgage originators in the country from the early 1990s until 2011. The Federal Housing Administration began the Home Equity Conversion Mortgage (HECM) program in 1989, so this run of dominance spanned most of its existence. This makes a great deal of sense this is a new, complex, and sometimes controversial product, and many customers were most comfortable dealing with a large and well established brand. Banks like Wells Fargo and Bank of America filled this consumer need for years.

Wells Fargo s market share peaked at an astonishing 35.44% in 2004 and consistently topped 20%. Wells and BofA together consistently originated about 45-50% of total volume. We ve put together a table below detailing the company s total originations and market share over time.

However, in 2011 Wells Fargo exited the reverse mortgage business, stating that it no longer made business sense to continue with the product. Its exit coincided with those of Metlife and Bank of America, two other large players within the industry. Since then, the void has been filled by non-bank institutions who are a bit lesser known among your average American.

One of the major problems that Wells Fargo cited was that at the time borrowers did not need to undergo any sort of financial assessment before taking out a reverse mortgage. This led to a high incidence of borrowers defaulting on taxes, homeowners insurance, or both (called T I defaults within the industry). However, in 2015 the Department of Housing and Urban Development began requiring a financial assessment to make sure that borrowers will be able to meet these obligations.

Although it has been inactive for years, Wells Fargo is still by far the largest reverse mortgage lender in history. It originated over 160,000 HECM loans, whereas the second largest lender, Financial Freedom Senior Funding, has originated about 25% of that number at 49,000.

Will Wells Fargo begin offering reverse mortgages again? Only time will tell. However, if you are an existing customer you can call Wells Fargo Home Mortgage at 1-800-472-3209 for assistance.

Consumer Information

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More Information

ReverseMortgageAlert.org does not offer reverse mortgages. ReverseMortgageAlert.org is not a lender or a mortgage broker. ReverseMortgageAlert.org is a website that provides information about reverse mortgages and loans and does not offer loans or reverse mortgages directly or indirectly through any representatives or agents. We do not direct market by phone or email towards consumers. Contact our support if you are suspicious of any fraudulent activities or if you have any questions. ReverseMortgageAlert.org is not provided by, nor was it approved by the Department of Housing and Urban Development (HUD) or by the Federal Housing Administration (FHA).


Top 10 Reverse Mortgage Lenders- Find the Best One for You! #indiana #reverse #mortgage


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Top 10 Reverse Mortgage Lenders

Since being introduced in 2001, reverse mortgages have been allowing senior citizen home owners to take advantage of the equity in their home and receive a cash payment or a line of credit. Most reverse mortgages, also known as Home Equity Conversion Loans (HECM), are insured by the U.S. Department of Housing and Urban Development (HUD). who supervises reverse mortgage terms and requirements. While HUD doesn t make the loan, it makes sure that the borrower is protected in the event that the lender is unable to make the reverse mortgage payment or if the home value has decreased so much that the loan balance cannot be paid.

If you re still asking yourself: What is a reverse mortgage? Click here!

Considering a Reverse Mortgage Lender- What to Look for

  • Types of reverse mortgages offered. There are three types of reverse mortgages. The federal-insured reverse mortgage, more commonly known as Home Equity Conversion Loan (HECM), doesn t have many requirements, but has a higher upfront cost. The single-purpose reverse mortgage, which is low-cost and geared towards people with lower incomes, can be used for specific purposes, like home improvements and repairs, or for paying property taxes. The third kind of reverse mortgage is the proprietary reverse mortgage, which is a loan offered by a private company.
  • Fees. Reverse mortgage costs, especially Home Equity Conversion Loans. can end up being very costly. Insurance premiums, origination fees, title insurance, and other fees can be as high as a few thousand dollars, so finding a reverse mortgage lender that will disclose and explain the overall cost of the loan before signing a contract is very important.
  • Interest rates. Reverse mortgage lenders usually only offer adjustable-rate loans, but some also offer fixed-rate loans. Interest rates for reverse mortgage loans are lower than the ones for conventional loans. If several lenders offer you the same interest rates, it s always best to go with the one that is the most informed and easy to work with.
  • Accreditations and ratings. While many legitimate and trustworthy lenders are not members of the National Reverse Mortgage Lenders Association (NRMLA). choosing a reverse mortgage lender that is a member will give you more peace of mind. Members of the NRMLA must conform to a strict code of lending ethics, meaning that there is a much bigger chance that they will be reliable. A good lender will also have a good rating on websites like the Better Business Bureau (BBB). where you can also learn of any complaints against the company.

Before applying for a reverse mortgage, seniors must be aware that, while this type of loan has its advantages, it also comes with some downsides. Once you understand the whole reverse financing process and decide that it is the best choice in your situation, you need to start searching for the reverse mortgage lender that will best satisfy your needs. Here are the top 10 reverse mortgage lenders that will offer you the best balance between a good deal and a hassle free experience:

Top 10 Reverse Mortgage Lenders

  1. Liberty Home Equity Solutions. Formerly known as Genworth Financial Home Equity Access (GFHEA), this company was founded in 2003, and has since helped improve the lives of over 27,000 seniors. Liberty Home Equity Solutions has more than 450 associates in the U.S. and is one of the largest reverse mortgage lenders in the country.
  2. Security One Lending. Licensed in 40 U.S. states, Security One Lending (S1L), launched its business back in 2006, and today it is recognized as one of California’s best reverse mortgage lenders. In 2011, actor Pat Boone became S1L’s celebrity spokesman.
  3. American Advisors Group. AAG (American Advisors Group) is one of the nation’s leading reverse mortgage lenders. Better Business Bureau (BBB) gave the company an A+ rating, and AAG is approved by U.S. Department of Housing and Urban Development. American Advisors Group has over 450 employees, and it is licensed in 43 U.S. states.
  4. One Reverse Mortgage. According to the 2012 U.S. Department of Housing and Urban Development (HUD) HECM Endorsement Summary Report, One Reverse Mortgage is America’s largest Home Equity Conversion Mortgage originator. A Quicken Loans company, One Reverse Mortgage was founded in 2001, and employs over 250 persons dedicated to providing quality services to senior clients.
  5. Generation Mortgage Company. This privately held company launched its business in 2002 in Atlanta, Georgia. Generation Mortgage Company is accredited by the Better Business Bureau, and is an approved Ginnie Mae issuer.
  6. Urban Financial Group. Founded in 2003 in Oklahoma, Urban Financial Group is licensed in the following states: Oklahoma, Colorado, Illinois, Indiana, Kansas, Michigan, Missouri and Wisconsin. The “Reverse it!” division of Urban Financial Group is the largest provider of wholesale reverse mortgage loans.
  7. Proficio Mortgage Ventures. Headquartered in Florida, Proficio Mortgage has been providing mortgage solutions to the elderly for the last 8 years. The company is licensed to work in 49 states, and it is a subsidiary of Proficio Bank.
  8. Reverse Mortgage USA. Since 2003, Reverse Mortgage USA has been a member of the National Reverse Mortgage Lenders Association. The company is considered the top reverse mortgage educator in the country.
  9. Cherry Creek Mortgage Co. Established in 1987, the company has over 600 employees that provide lending services to thousands of clients. Cherry Creek Mortgage Co. (CCMC) provides reverse mortgage loans through its division, 1 st Reverse Mortgage USA since 2004.
  10. NewDay Financial. NewDay Financial is one of the country’s top mortgage lenders. The company was established in 2002, and received its BBB accreditation the same year.

Moving Forward with Your Mortgage

A reverse mortgage loan is a good choice for seniors over 62 who don t plan on moving into another home in the next two to three years. While it may feature a higher cost with a few risks, under the right circumstances, with the help of professional financial counseling, and by using a good lender, a reverse mortgage loan can be an excellent option for you. For more information, contact a qualified reverse mortgage specialist before proceeding. It never hurts to get more than one quote to make sure you are getting the best deal possible!


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What is a Reverse Mortgage?

If you live in Utah, are 62 or older, and have built up enough equity in your home, a reverse mortgage will allow you to borrow against that equity payment free. Instead of continuing to make mortgage payments, you get paid back the money you have built up in your home – that’s the reverse part.

You never have to repay the loan as long as you live in your home and you can choose to receive the cash disbursements as monthly income, a line of credit, or a lump sum. Also, the reverse mortgage program is federally insured for your protection which lasts as long as you live in your home; 5 months or 50 years! Finally, you keep title to your property so it stays part of your estate.

Working with ReverseUtah.com is easy, we will go anywhere in the State of Utah to come to you! To see if you qualify, try the free calculator to the right. Click on the learn more button to find out more reverse mortgage details, or call 1-800-431-9250.

How much do You Qualify for?

Get Pre-qualified Today

Testimonials

Casey, it has been a real pleasure working with you. I appreciate your patience and assistance. Without you, we wouldn’t have been able to put this together for Mom. Thank you very much!

I thought I knew what the reverse mortgage was, but I was wrong! This loan is not a bad thing, it was a Godsend and it has made the past few years so much better. Thank you Reverse Mortgage USA!

You made this process so easy for us, you explained things in a way we could understand and made us feel comfortable every step of the way.


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Find out if your spouse is cheating on the Internet with a secret personal ad.

You provide an email address and we search thousands of online dating web sites and social networks to catch your spouse cheating online. Order an Online Infidelity Investigation

Identify someone by their email address

Are you receiving unwanted E-Mail containing obscene or threatening language, or threatening comments made in a chat room, instant message, bulletin board or any other online communication medium? Are you a victim of online defamation?

Our Email Trace Reports will will reveal who they are, where they live and arm you with the information you need to protect yourself.
Order an Email Trace Report

Cell Phone and Computer Forensics.

A Forensic Examination Can Recover:

  • Deleted Text Messages
  • Deleted SMS Messages
  • Detailed Call Records; Dialed/
  • Received/ Times/ Durations
  • Deleted Pics Graphics
  • Deleted Video
  • Contact Names Phone Numbers
  • Deleted Address Book
  • Email Addresses
  • Deleted Caller ID
  • Sext Messages
  • Chat Logs (Yahoo, MSN, AOL)
  • Other Deleted Data

Locate someone by their social security number.

You provide any social security number and provide current name, address and possible phone number connected to that social security number. Order a Social Security Number Search

If you are being stalked, harassed or defamed via a blog, Myspace, web site or other online forum. We can identify and locate the owner of the page or site.

Order a Blog/Webpage Identification

Find place of employment so you can:

  • Collect Child Support
  • Judgment Recovery
  • Wage Garnishment

Order a Current Employment Search

You provide any email address and we will identify the current name, address and possible phone number connected to that email address. If no information is returned, your search will be FREE! Order an Email Trace Report


An Email Trace Report can assist in locating:

  • Find runaways
  • Find bail jumpers
  • Find dead beat parents that owe child support
  • Find non custodial abductions

This is a thorough Email Investigation into the real identity of the person behind the email. Do not confuse this with the many free online reverse email lookup services.

Background Report

Once E-Mail Revealer has identified the person hiding behind an E-Mail address. Its time to arm yourself with information. E-Mail Revealer will provide you with a comprehensive report that is the most extensive and detailed available on the web.

This invaluable report can be an essential tool in Business dealings, Partnerships, Personal and Professional relationships.
Order a Background Report

Identity Theft / Cyber Stalker Prevention

We check to see how vulnerable your personal information is and how easy it would be for a cyber stalker to obtain your personal infomation.
Order an Online Risk Asssessment

Asset Search Report

  • Real Estate
  • Investments: Stocks / Bonds / Mutual Funds
  • Boats
  • Planes
  • Companies
  • Bank Accounts: Checking and Savings
  • Trust Accounts
  • Cars

Find out who is calling you with a
Trap Line Telephone Harassment Investigation

Use our trap lines for:

  • Prank Call Investigations
  • Skip Tracing
  • Employment Locates
  • Vehicle Repossessions
  • Service of Process

All Investigations conducted under the supervision of Opperman Investigation Inc


The Email Tracing Experts, Online Infidelity and Cyber Stalking Investigations and Reverse Email Search #senior #dating #sites


#dating websites search

#

Find out if your spouse is cheating on the Internet with a secret personal ad.

You provide an email address and we search thousands of online dating web sites and social networks to catch your spouse cheating online. Order an Online Infidelity Investigation

Identify someone by their email address

Are you receiving unwanted E-Mail containing obscene or threatening language, or threatening comments made in a chat room, instant message, bulletin board or any other online communication medium? Are you a victim of online defamation?

Our Email Trace Reports will will reveal who they are, where they live and arm you with the information you need to protect yourself.
Order an Email Trace Report

Cell Phone and Computer Forensics.

A Forensic Examination Can Recover:

  • Deleted Text Messages
  • Deleted SMS Messages
  • Detailed Call Records; Dialed/
  • Received/ Times/ Durations
  • Deleted Pics Graphics
  • Deleted Video
  • Contact Names Phone Numbers
  • Deleted Address Book
  • Email Addresses
  • Deleted Caller ID
  • Sext Messages
  • Chat Logs (Yahoo, MSN, AOL)
  • Other Deleted Data

Locate someone by their social security number.

You provide any social security number and provide current name, address and possible phone number connected to that social security number. Order a Social Security Number Search

If you are being stalked, harassed or defamed via a blog, Myspace, web site or other online forum. We can identify and locate the owner of the page or site.

Order a Blog/Webpage Identification

Find place of employment so you can:

  • Collect Child Support
  • Judgment Recovery
  • Wage Garnishment

Order a Current Employment Search

You provide any email address and we will identify the current name, address and possible phone number connected to that email address. If no information is returned, your search will be FREE! Order an Email Trace Report


An Email Trace Report can assist in locating:

  • Find runaways
  • Find bail jumpers
  • Find dead beat parents that owe child support
  • Find non custodial abductions

This is a thorough Email Investigation into the real identity of the person behind the email. Do not confuse this with the many free online reverse email lookup services.

Background Report

Once E-Mail Revealer has identified the person hiding behind an E-Mail address. Its time to arm yourself with information. E-Mail Revealer will provide you with a comprehensive report that is the most extensive and detailed available on the web.

This invaluable report can be an essential tool in Business dealings, Partnerships, Personal and Professional relationships.
Order a Background Report

Identity Theft / Cyber Stalker Prevention

We check to see how vulnerable your personal information is and how easy it would be for a cyber stalker to obtain your personal infomation.
Order an Online Risk Asssessment

Asset Search Report

  • Real Estate
  • Investments: Stocks / Bonds / Mutual Funds
  • Boats
  • Planes
  • Companies
  • Bank Accounts: Checking and Savings
  • Trust Accounts
  • Cars

Find out who is calling you with a
Trap Line Telephone Harassment Investigation

Use our trap lines for:

  • Prank Call Investigations
  • Skip Tracing
  • Employment Locates
  • Vehicle Repossessions
  • Service of Process

All Investigations conducted under the supervision of Opperman Investigation Inc