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The 2019 Reverse Mortgage Limit is officially $726,525

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HUD Increases 2019 HECM Limits  HUD released their announcement verifying the news we released on November 28, 2018 raising the Mortgage Lending Limits for HECM Loans. The numbers came in exactly where we expected and so the article, we posted on November 28, 2018 is now official. But remember, the new limits are only effective with Case Numbers issued on or after January 1, 2019. What this means is that in order to be able to benefit from the increase if a borrower currently has a loan in process with... Read Full Article

Why Reverse Mortgages Have 2 Notes & 2 Trust Deeds

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Borrowers are often confused when they get to the point where they are ready to sign their final documents for their reverse mortgage loan and they are presented with a First and Second Trust Deed Note and also Two Deeds of Trust (or mortgage, depending on what state in which the property is located). Then to make matters worse, the amount on the Note and Deed of Trust is far higher than the amount they have agreed to borrow. Some borrowers have refused to sign the documents at closing due to the fact that they were... Read Full Article

Reverse Mortgage & Bankruptcy Implications – Know the Facts!

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We have recently had several borrowers who had previously obtained a reverse mortgage call and ask us what the effect would be on those reverse mortgages if they had to now begin a bankruptcy proceeding. While we are not attorneys and would always advise you to seek competent legal advice from an attorney in your state, we did want to contact an expert in the field of loan servicing for reverse mortgages and get some additional information that we could pass on. We contacted Ryan LaRose, Chief Operating Officer of... Read Full Article

Reverse Mortgage Pros and Cons? Know the Facts! (Updated 2019)

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Reverse Mortgage PROS 1. No Monthly Mortgage Payments A reverse mortgage allows eligible borrowers to live for life in their home with no monthly mortgage payments. The loan balance is repaid when you permanently vacate the home (when you sell the home or if you leave the home for care including for 12 months or more).  You do not have to make monthly payments with a reverse mortgage, so qualifying for the loan is not the same or as difficult as for a forward mortgage. Not nearly as much income is... Read Full Article

History of the Reverse Mortgage – 1969 to Present Day Facts

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Reverse mortgages have been through a lot of changes in their short, 57 year (depending on who you ask) lifespan. As the story goes, the first reverse mortgage was written in 1961 to a woman in Portland, Maine by a small, local bank. The owner of the bank wanted to help the wife of his high school football coach stay in her home after her husband passed away. From there, the product took off and continues to help more older Americans remain in their homes as they age. ... 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

Marrying Someone with a Reverse Mortgage? Understand the Risks!

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Kai has sent the following question Ask ARLO! My fiancé' (age 68) has a reverse mortgage on his home. I believe it was signed in 2017. We live in WA state and have a defacto marriage 9 years now but are going to legally marry this year. What rights do I have to stay in the home should he die? I am 61. Hello Kai, You have two different issues and I can only really address one. The first is the title. If you are not on title... Read Full Article

Advantages and Disadvantages of Fixed Rate Reverse Mortgages

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Fixed Rate Reverse Mortgages – which is right for you? Many senior borrowers have been raised on the idea that a fixed rate loan is the “only way to go”.  Still others remember back to the early 80’s when interest rates climbed as high as 18%.  Some borrowers experienced rising interest rates from adjustable rate loans (or knew others who did) and some remember family and friends whose payments rose to a point where they could no longer afford their homes. A fixed rate locks the rate in for the... Read Full Article

Reverse Mortgage Repayments to Stop Negative Amortization

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You may think you understand reverse mortgages—and you probably do. They are, simply put, a type of mortgage that allows you to receive payments from your home equity rather than make them. It’s a negatively amortizing loan, meaning the balance grows over time, instead of falling. But there are some benefits that borrowers might not consider initially, that give reverse mortgages some outside-the-box applications that could help you improve your financial situation. One little known fact, for example, is that you can get a reverse mortgage and can actually make... Read Full Article

Here Are The Banks That Offer Reverse Mortgages (2019 List)

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When it comes to getting a reverse mortgage, you may start by wondering what type of lender to work with, and specifically: which banks offer reverse mortgages. Perhaps you used a national or regional bank for a mortgage loan in the past as many of the big banks offer mortgage lending services. It’s also possible you worked with a non-bank mortgage lender, as these companies are also active in the mortgage lending space. There are many banks that offer reverse mortgages, although most of the major national banks, such... Read Full Article

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