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Resolute Bank Reverse Mortgage Review 2019

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The reverse mortgage industry in the United States has had to wrestle with some issues related with some new regulatory rules handed down by the U.S. government in 2017 and 2018, and for some companies that had formerly offered loans in the space, the issues that stemmed from these changes to the federally-insured Home Equity Conversion Mortgage (HECM) program caused some companies to exit the market and cease offering reverse mortgages altogether. One such company that decided to exit the reverse mortgage space was Maumee, Ohio-based Resolute Bank, which... Read Full Article

How Does a Reverse Mortgage Work? Know the Facts!

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

What is a Reverse Mortgage? Explained in Simple Terms!

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. Available funds are distributed as a lump sum, line of credit or structured monthly payments. What it is  A loan against your home’s equity No monthly mortgage payments required Designed to meet the needs of retirees on fixed incomes Tax-free cash for virtually anything What it's NOT Selling your home to the bank Relinquishing title... Read Full Article

2019’s Top 10 Reverse Mortgage Counseling Agencies

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

Reverse Mortgage Refinance (2019 Limits & Rates)

There are many instances when borrowers consider refinancing their reverse mortgage, but it really would not make sense for them. HUD and investors have guidelines in place that prohibit lenders from refinancing reverse mortgages when the loans do not meet certain targets for borrowers, more specifically when the borrower closed their existing loan too recently. Refinancing existing loans does make sense at times, and sometimes it does not.  Borrower(s) should only consider refinancing their loan if the borrower(s) when it makes sense for their circumstances. Some homeowners will find that they... Read Full Article

Here Are the Reverse Mortgage Pros and Cons of 2019

A reverse mortgage loan, when used correctly, can add stability to your retirement years. But as with any financial product it is not always the best program for everyone. We have created this 'Pros and Cons' guide to help you make an informed decision about reverse mortgages. If you have a questions about 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 the rest... Read Full Article

2019 Jumbo Reverse Mortgage: Rates, Limits & Loan-to-Values

The Return of Jumbo Reverse Mortgages This is the time to look (perhaps your second look) at the All-New 2019 JUMBO reverse mortgage programs.  Traditionally, most borrowers, ages 62 and over, have benefited from the HUD Home Equity Conversion Mortgage (HECM or “Heck-um”). The reverse mortgage program has undergone some rough years.   The Department of Housing and Urban Development (HUD) has made one move after another, making it harder to qualify and lowering Principal Limits (how much you receive). The changes that took effect as of October 2, 2017 have had a two-fold effect; lower Principal Limits and lowering the interest rate floor... Read Full Article

Can I Protect My Girlfriend Not On My Reverse Mortgage?

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Hello Arlo, I obtained a reverse mortgage on home I purchased in 2011. Paid $170,000 for house in down market now appraised at well over $300,000. I moved my girlfriend in at the time of purchase - still with me ;) Question - how can I protect her from getting thrown out of "our" home if I go daisies up first? Thanx Arlo ~ Woof!! Hello Eddie, I see you speak my native tongue, but I won’t answer to be sure everyone can understand as well!  ;>)... Read Full Article

Resource for Conservators Seeking Reverse Mortgages

The process of taking out a reverse mortgage on a property that is in conservatorship takes a few steps, but it can be done. Conservatorships are established when a court deems a person incapable of making certain decisions, and can encompass two categories: for a person, or for a person’s estate. Some conservatorships cover both aspects. They are generally put into effect when someone petitions the court to be appointed a conservator of an individual (usually a relative), and/or that individual’s finances and estate, whom they deem to be incapable... Read Full Article

What Happens to my Reverse Mortgage if Home Burns Down?

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I live in California, have a reverse mortgage and would like to know what happens if my home were to burn down in a fire? Do my monthly payments or line of credit continue if I must rebuild? If my insurance will not cover my loss does the loan become due? Insurance coverage works the same on a reverse mortgage as it does on a forward loan.  All hazard claims are paid jointly the owner and anyone listed as “additional insured” (the lender) until the repairs are completed at... Read Full Article
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