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How a Reverse Mortgage Purchase Works (Down Payment & Rate Quote)

    34 comments
Wondering what a reverse mortgage is, and whether it can be used in the purchase of a new home? It sure can, in a process called a Home Equity Conversion Mortgage Purchase. Basically, a new home is bought at the same time a reverse mortgage is taken, and the transaction is rolled into one. The Reverse Mortgage Purchase is an option for homeowners who want to relocate, either to be closer to family, to downsize, or move to a home that better meets their needs—a home without stairs, for example—at... Read Full Article

Reverse Mortgage Counseling Locator | Search 2019’s Top Agencies

    10 comments
The U. S. Department of Housing and Urban Development (HUD) requires that homeowner(s) interested in pursuing a Home Equity Conversion Mortgage (HECM) receive mandatory counseling regarding the implications of and alternatives to a reverse mortgage from a HUD-approved HECM counseling agency. We are required by HUD regulations to provide you with a list of reverse mortgage counseling agencies. The list must include all HUD-approved counseling intermediaries that can provide telephonic counseling, as well as five (5) counseling agencies within your local area, state or... Read Full Article

Best Reverse Mortgage Lenders of 2019 | Compare Reviews & Rates

    14 comments
5 Tips When Selecting Your Reverse Mortgage Lender  Tip #1. Get the loan that’s right for you, from a lender who is looking out for your best interests Many people are convinced that they need just one thing or another and they miss other points that may make a lot more difference in the overall benefit or cost of the loan. We have borrowers who look at the cost of the appraisal fee and will... Read Full Article

HUD Announces Condo Changes to Take Place October 15, 2019

    no comments
HUD Announces Condo Rules with Changes to Take Place October 15, 2019 Since we last wrote, HUD has finally announced that they are bringing back the single-unit approvals for condominiums! HUD just announced that they will once again begin allowing unit owners to obtain FHA-insured loans on individual units in condo projects that have not gotten the entire project approved, under certain circumstances. This is great news for borrowers who have been shut out of FHA-insured loans on both the forward and the reverse side for condominiums due... Read Full Article

Here’s What Happens When a Reverse Mortgage is Assigned to HUD

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We received a notice from reverse mortgage that the loan is being assigned to HUD they also gave the name of company that would be handling it. I looked company up and they have horrible complaints one main one being that the heirs do everything required to settle home and this company just foreclosures the house before they can do anything about it! I am beneficiary of my mom’s house she has the house in a trust and a will, I am beneficiary we put house in trust to... Read Full Article

How to use a Reverse Mortgage in a Divorce Settlement

    52 comments
You may have heard about the ways in which a reverse mortgage can help improve your financial situation by allowing you to withdraw the equity in your home over time. For those people meeting the 62-year-old age requirement who have substantial equity in their homes, this can be a means to expand monthly cash flow or eliminate mortgage payments by paying off an existing mortgage through a federally-insured loan. However, there is another important time when a reverse mortgage can be a helpful tool: in a divorce. While taking charge... Read Full Article

Here Are the Reverse Mortgage Pros and Cons of 2019

    51 comments
A reverse mortgage loan, when used correctly can add stability to your retirement years. But as with any financial product, it’s not the right program for everyone. We created this Pros and Cons guide to help you make an informed decision about reverse mortgages. If you have a question on whether a reverse mortgage is right for you, Ask ARLO™, or discuss your situation with an independent housing counselor. Reverse Mortgage PROS 1. No Monthly Mortgage Payments A reverse mortgage allows eligible borrowers to live for life in their home... Read Full Article

How Does a Reverse Mortgage Work? Know the Facts! (Updated 2019)

    8 comments
A reverse mortgage works by allowing homeowners age 62 and older to borrow from their home’s equity without having to make monthly mortgage payments. As the borrower, you may choose to take funds in a lump sum, line of credit or via structured monthly payments. The repayment of the loan is required when the last surviving borrower vacates the home permanently. How It Works:  Access a portion of your home’s equity Percentage is based on age of youngest borrower Make no monthly mortgage repayments Funds are tax-free, and may... Read Full Article

Yes, You Can Put a Reverse Mortgage in Your Family Trust.

    14 comments
I have the home in family trust. I am unmarried but have lived with my "wife" for years. She inherits the home by last will. Do we qualify for this program? Hi John, For such a short question there are so many possibilities!  Firstly, as a lender, we only get so much information and then we do rely on the title and affidavits we receive when originating the loan.  For example, we would do a title search and see that the current title is in the name of your... Read Full Article

What is a Reverse Mortgage? Explained in Simple Terms!

    60 comments
A reverse mortgage is a loan for homeowners age 62 and older that requires no monthly mortgage payments. The loan is repaid when the borrower passes away, leaves the home permanently or sells. Funds available are distributed as a lump sum, line of credit or structured monthly payments. What it is:  A loan against your home’s equity A loan with no required monthly mortgage payments A loan designed to meet the needs of retirees on fixed incomes Tax-free cash for virtually anything (social security income supplement, long-term care payment,... Read Full Article
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