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Reverse Mortgage Pros & Cons – Starting with the Cons (Updated 2018)

I can almost hear it now... “This is an article written by a guy who does reverse mortgages, there probably won’t be any cons!”  As passionate as we are about the reverse mortgage program, there are some drawbacks in some instances and we make certain that we point out the pros and cons to all reverse mortgage applicants. As great as this product is, it is not right for everyone and it is always the best idea to know your goals and to have the help and support of your... Read Full Article

Reverse Mortgage Occupancy Fraud Continues to Threaten MMI Fund

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Because of health issues I have moved my Mom in with me and at some point I will most likely have to move her to a nursing home. Her granddaughter lived there until a couple weeks ago. She has wrecked the house. The monthly statement has the house at way more than I could ever sell the place for to pay it back. What are my options? Hello Jan, I am going to express an opinion here that you may not like and may not be popular with a... Read Full Article

AIG Reverse Mortgage Problems, Please Help!

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I'm going through a company AIG reverse mortgage, however I was told to replace 2 wall furnaces first but I don't have the $2500.00 to get it done the company told me I'm responsible before we start the reverse mortgage, is this true? Please Help! Hi Lori, AIG would be correct in that HUD requires a permanent heat source in the home to be functioning in all but just a few zip codes in the United States in order to close a reverse mortgage. HOWEVER, no, it does... Read Full Article

What is a Reverse Mortgage? Explained in Simple Terms!

What is a Reverse Mortgage?  In a nutshell, a Reverse Mortgage is:  A loan against your home's equity Designed to meet the needs of retirees on fixed income Funds borrowed require no monthly mortgage payments Use tax-free cash for virtually anything (supplement SS income, pay for long term care etc.) Loan is repaid when you pass away or sell your home Any remaining equity belongs to your heirs What it is NOT Selling your home to the bank Giving up title or ownership rights Right for everyone Ideal loan for... Read Full Article

Reverse Mortgage Attorney Asks: Laws of Survivorship Explained

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A browser Kathleen Tracy  has sent the following question(s) in the ask experts blog. Husband & Wife, both over 70-years-old, occupied principal residence in California for many, many years and have no other home. Husband had a fall in late 2016 and was discharged from the hospital to a board & care facility to recover. Husband had been at board & care facility for 4 months when husband & wife applied for a reverse mortgage in early 2017 seeking to both be borrowers on the loan. The home was Husband's... Read Full Article

Reverse Mortgage – The Line of Credit That GROWS.

The  reverse mortgage line of credit  is still the most popular option for senior borrowers when choosing how to access their funds with their reverse mortgage. According to AARP, borrowers have recognized this choice at about 66% of the time when obtaining a reverse mortgage as being the right choice for them. The credit line option allows borrowers a great deal of freedom when planning their finances. Homeowners like the fact that they can take as much as they want when the loan funds and then can take the... Read Full Article

Reversemortgage.org Releases New 2018 Consumer Guides

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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 their families. Like the acronym suggests, HECMs allow homeowners age 62 and older to convert a portion of their home equity into loan proceeds. The borrower can access these... Read Full Article

When a LESA (Life Expectancy Set-Aside) is Required

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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 helps to know just what you’re going up against during the application process, including what aspects of your financial history are most likely to impact the overall determination of whether... Read Full Article

Reverse Mortgage Credit Requirements: Tax Lien, Judgement & Collections

How Credit History Can Delay the Reverse Mortgage Loan Process Court judgements and outstanding state or federal tax liens can blemish your credit history and make it difficult to borrow money. These derogatory marks on your credit report can also hinder your ability to get a reverse mortgage. A reverse mortgage allows homeowners age 62 and older to borrow against their home equity, which they may receive as a line of credit, in a lump sum or monthly loan disbursements. The loan is generally repaid when the borrower passes away... Read Full Article

Top 5 Reverse Mortgage Rules You Must Know

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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 fully understand the ins and outs of this product, homeowners should remember and be aware of the following reverse mortgage rules: There’s a Lending Limit For HECMs... Read Full Article

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