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Kosher Reverse Mortgage for Veterans by Jack Guttentag (Mtg Professor)

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We had a “unique” caller leave us a message this weekend who questioned us on an endorsement we had received from Jack Guttentag, known to many as the Mortgage Professor.  Seems she felt that this was a scam and she contended that Guttentag meant good day in German and that this meant that it could not be Jack’s real name or that he could not be a real person as a result. This lovely lady, in her profanity laced rant ended with an “F-bomb” because she felt that... Read Full Article

Reverse Mortgages Can Affect Medicaid & SSI Benefits – Know the Facts!

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Those who are 62 and older who are looking to supplement their retirement income through a reverse mortgage should also consider the implications this decision could have on their eligibility for Medicaid or Supplemental Security Income (SSI). An important and common factor that Medicaid and SSI share is asset level limits, and depending on which payment route a borrower chooses for a reverse mortgage, the loan proceeds could disrupt eligibility. When borrowers take out a reverse mortgage loan, they have the option of receiving their home equity through a line... Read Full Article

How Capital Gains and Proposition 13 affect Reverse Mortgages

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How would capital gains tax and California’s Proposition 13 affect my ability to get a reverse mortgage for purchase? Prop 13 and the Reverse Mortgage for Purchase A Home Equity Conversion Mortgage (HECM) for Purchase, sometimes called an “H4P,” is a product that allows a borrower that’s at least 62 years of age to take out a reverse mortgage in order to fund the purchase of a new home, without the need to make a monthly mortgage payment. By using the reverse mortgage along with the cash required to close,... Read Full Article

Reverse Mortgage After Death: What Heirs & Family Must Know.

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It seems that one of the most popular questions we get is what happens with my reverse mortgage and my home after death. The reverse mortgage is intended to be the last loan that borrowers will ever need, so this is a question many homeowners and their heirs have on their minds as many of them intend to keep the loan and the home for life. If they do get a reverse mortgage and it does enable them to live in their homes without paying a mortgage payment for the... Read Full Article

Dave Ramsey Hates Reverse Mortgages: Is He Telling the Whole Truth?

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The plain and simple answer is a little bit, but not really.  Dave Ramsey does a hit piece on reverse mortgages in which he does point out some of the less popular aspects of reverse mortgages, but he has no problems either exaggerating or just shows his ignorance about the product. Souce: https://www.daveramsey.com/blog/how-reverse-mortgages-work Is Dave Right About Reverse Mortgages?  Firstly, let’s give Dave his due when he tells the truth. He is right when he says a reverse mortgage operates in reverse of a standard or forward loan. ... Read Full Article

AARP Reverse Mortgage | What is AARP’s Role in Reverse Mortgages?

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The American Association of Retired Persons (AARP) is a large, independent, nonprofit organization dedicated to helping people ages 50-plus to achieve independence—including financial independence. While the organization, which serves 37 million older Americans and counting, doesn't offer reverse mortgage products directly, it does weigh in on them in some very important ways. Here’s where AARP comes into play for retirees who may be looking into getting a reverse mortgage as a means to age in place. What does AARP think of reverse mortgages? AARP has expressed support for reverse mortgage products... Read Full Article

Live Well Reverse Mortgage Review 2019

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Across the reverse mortgage lender landscape, there are a variety of company types: banks and non-banks; large national lenders; and small regional ones. Over time, many large banks have exited the reverse mortgage business, while independent non-bank lenders today comprise most of the reverse mortgage volume. Still, there are changes that take place within the lender landscape from time to time, and 2019 was a year of major change for Live Well Financial, which today is no longer in business. Summary:  Live Well Financial was among the... Read Full Article

Understanding Reverse Mortgage Principle Limit & Maximum Claims

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I am 87 and received a HECM Loan, maximum claim $250,000 on June, 2006. Credit limit due to age and other factors was due to reach maximum claim in 2012.Withdrawals were denied beginning in June 2010, when the balance was around $225,000 and no withdrawals have been allowed since The server has been getting compound interest each month and HUD has been accessing fees and premiums. Correspondence with the server and HUD got a big SORRY. Maybe I'm delusional, but something doesn't add up here. Am I wrong? Without... Read Full Article

Reverse Mortgage Types: Lump Sum Payout -VS- Line of Credit

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If I do a reverse mortgage, can I pull all the money up front as a lump sum or do I have to have a line of credit, and is there cost to pulling out all the money up front? Hi David, HUD changed the program a little while back so that borrowers are capped at what they can pull from the home based on bona fide property charges that they have to pay with the loan.  The bottom line is that borrowers who need all their funds to pay... Read Full Article

Using a Reverse Mortgage Purchase for New Construction

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CAN YOU HAVE A CONTRACTOR BUILD A BRAND NEW HOME FOR YOU AND FINANCE IT WITH A REVERSE MORTGAGE UPON COMPLETION ? THANK YOU -BOB Good Afternoon, The short answer to your question is, yes you can.  However, there are several things that you really need to keep in mind when you undertake such an action and I feel that I would be remiss if I didn't tell you some of those items.  There are a couple of different ways that a contractor can build a home... Read Full Article

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