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I have lived in the home with my mother and paid all of the property taxes and home insurance plus maintenance for the home and lived there for seventeen years. Can the reverse mortgage lender kick me out of the home? I get this question or one very similar to it a lot and you’re looking at the loan in... Read Full Article
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New Consumer Guides Walk You Through the Reverse Mortgage Process More than one million American homeowners have been served by Federal Housing Administration-backed reverse mortgages via the Home Equity Conversion Mortgage program. Now in its 27th year, the HECM program continues to enhance its consumer protections as lenders strive to improve the customer experience for both reverse mortgage borrowers and... Read Full Article
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How to Tell if You Need a Reverse Mortgage LESA Qualifying for a reverse mortgage today is a different process than it was in the past. As underwriting standards have tightened considerably in recent years, becoming eligible for a reverse mortgage now requires a more complex analysis of the loan applicant’s financial circumstances. As a prospective borrower, it... Read Full Article
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Applying for and taking out a reverse mortgage loan is an important decision for senior homeowners, and it’s one that deserves time and research. Reverse mortgages enable homeowners 62 years or older to supplement their retirement income by converting a portion of their home’s equity into accessible cash flow. Reverse mortgages are powerful financial tools, but they are not one-size-fits-all. To... Read Full Article
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You can be forgiven for not knowing exactly how tax reform will affect reverse mortgages -- after all, with the legislation itself passed hastily to capitalize on rare consensus among Congressional Republicans, accountants, and other financial professionals will likely be busy sorting out the implications through tax day and beyond. For many homeowners, the disappearance of a tax deduction for... Read Full Article
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Another year has come and gone… Where is the time going? It sounded strange to say 2017 all year and now 2018 is upon us. This year, the reverse mortgage industry experienced many changes. 2017 HUD Surprised Industry with Massive Changes In September, HUD sent the entire industry into a tailspin by announcing changes that were to take effect... Read Full Article
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BREAKING: 2022 Reverse Mortgage Limits Soar to $970,800 Higher Reverse Mortgage Limits Coming January 1st 2018 Starting in 2018, lending limits for government-insured reverse mortgages will increase, allowing borrowers the opportunity to access more of their home equity than ever before. The vast majority of reverse mortgages are federally-insured Home Equity Conversion Mortgages (HECMs) that are backed by the... Read Full Article
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An All Reverse Mortgage® Client Success Story in Del Webb Active Adult Retirement Community Nancy D’Angelo first heard about using a reverse mortgage to buy a home through some friends with a problem: They were moving from the South to Orange County, Calif., where sky-high real estate prices meant they couldn’t cover the cost of a new home just... Read Full Article
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In our recent article dated July 26, 2017, we indicated that a new administration in Washington marks a time of uncertainty and uneasiness as people try to guess what the new policies will be. The announcements made by HUD today answered some of those questions with regard to the Home Equity Conversion Mortgage program. Lenders had been hearing bits and pieces... Read Full Article
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Purpose The purpose of this bulletin is to restate and update new California requirements regarding required disclosures, counseling, timing for when certain fees may be incurred on the borrower’s behalf, and when other activities related to the origination and processing of a loan may be performed. Implementation These requirements are effective for all California reverse mortgages with applications taken... Read Full Article
This material has not been reviewed, approved, or issued by HUD, FHA, or any government agency. All Reverse Mortgage, Inc. is an independent company and is not affiliated with, acting on behalf of, or endorsed by HUD/FHA or any government agency. This content is for educational purposes and is not tax advice. Reverse mortgage programs may not be available in all states.
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