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Comparison of Reverse Mortgages & Home Equity Loans

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Borrowers are still asking, "Which is better, a Home Equity Line of Credit from our Bank or a Line of Credit on a Reverse Mortgage?". And there is not just one answer the works for everything when comparing the Home Equity Line of Credit or HELOC to the Home Equity Conversion Mortgage (HECM or "Heck-um") when accessed as a line of credit. The two loans are different in many ways and which is "better" is often determined by which is better for you. A HELOC (Home Equity Line of Credit)... Read Full Article

Wells Fargo Reverse Mortgage Review 2019

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Many years ago, some of the biggest banks in the nation offered reverse mortgages. Among them, Wells Fargo was one of the largest lenders in the U.S. Home Equity Conversion Mortgage (HECM) market. Today that is no longer the case. Wells Fargo was at one time the largest reverse mortgage lender in the country. It was only a short time later that the company decided to close its reverse mortgage business, leading to an unexpected timeline of events: 2010: Wells Fargo reaches a staggering 25% market share 2011: Wells Fargo... Read Full Article

Reverse Mortgage Counseling Agencies | Free, Phone & Online Options

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Steps to receiving a reverse mortgage counseling certificate: Request your pre-counseling document set. (Includes loan comparison, closing cost worksheet, amortization schedule, TALC - total annual loan costs) Have these mandatory documents available: HUD document titled "preparing for your counseling session" and NCOA booklet "use Your Home to Stay Home" (.PDF versions provided below) Determine whether or not you wish to see a counselor in person or obtain counseling by phone Call around and check counselor availability and pricing. Some counseling agencies only accept payment... Read Full Article

Unveiling All-NEW 2019 Jumbo Reverse Mortgages to $5,000,000

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HUD Tightening Encourages 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... Read Full Article

When Does a Reverse Mortgage Need to be Paid Back?

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Carole has sent the following question in ask ARLO! blog. Hello. My step-mother is in her 80's, has dementia, and is the sole Trustee of a Family Trust set up by my father years ago. My brother and I are the beneficiaries. A few years back her neighbors advised and assisted her in placing the house (which had been assigned to the Trust and is in the name of the Trust) into a Reverse Mortgage without consulting or notifying either myself or my brother beforehand. As sole Trustee, she has... Read Full Article

Here Are The Banks That Still 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

Are Reverse Mortgages Harmful to Condominium Associations?

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We have just read with interest the benefits of reverse mortgage to an applicant on your website. You also mention benefits to the Condo Associations. However, our experience as an Association in Florida has been negative.  We have recently had a problem in our condominium unit in Boca Raton, Florida, and thought with your experience you might have some insight.  We can certainly see the benefits to the person obtaining the reverse mortgage but have certainly seen the negative results to our community as a person is deceased and... Read Full Article

Free Reverse Mortgage Amortization Calculator (Includes Excel File)

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All Reverse Mortgage has developed the first ever reverse mortgage amortization calculator free for download that lets you change future interest rate, appreciation rates and payment assumptions. Purpose of The Amortization Calculator Have you ever wondered about how a reverse mortgage loan could be more advantageous than a traditional loan? Are you someone who thinks Reverse Mortgage loans are only for those in dire straits? Think that if you get a Reverse Mortgage loan that you will have no equity in your home for the rest of your life? I... Read Full Article

What are the Reverse Mortgage Maintenance Requirements?

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Frank B. has sent the following question in the ASK ARLO! blog:  How would you characterize the average reverse mortgage lender's maintenance requirements? Do they tend to be stringent, moderate, or relatively lax? I have read one account of a reverse mortgage lender requiring very burdensome maintenance requirements that the average retiree wouldn't be much concerned with...such as those necessary for maximum resale value but largely cosmetic (repaint the entire house inside and out) and not structural. Hello Frank, I don’t know what account you read, but I have never... Read Full Article

Reverse Mortgage Purchase | Down Payment Requirement

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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. It’s 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 the same time as... Read Full Article

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