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Advantages & 
Frequently Asked

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A Reverse Home Mortgage Allows You to Tap Into YOUR Home Equity

A Reverse Mortgage or Reverse Home Mortgage can be the answer for senior citizen to buttress their "golden years."

  • Typically a  reverse mortgage loan grants approximately 40-70% of the current appraised value of your house. 
  • You never make payments on the loan during you or your spouse's lifetime. 
  • The money received from the loan, in addition to a low interest rate amount, is paid back when the last surviving spouse of the estate has passed on or has permanently left the home. 
  • For the most part those who get a reverse mortgage receive a large amount of cash within 30-75 days.
  • Most importantly you keep total ownership and accumulate the future appreciation of your house.
  • Reverse mortgage moneys can be dispursed as a lump sum, fixed monthly payments, or a combination of the two.
Even if you current have a mortgage on your home, you can still allowed to obtain a reverse mortgage. You would however be required to pay-off the remaining balance of your curren mortgage with the moneys from the  reverse mortgage. There by eliminating your current monthly mortgage payment.
You can use the funds from your reverse mortgage for anything: 
  • Ongoing Living Expenses
  • Tour the World
  • Continue Persuit of College Degrees
  • Home Repairs and Improvements
  • Payoff Current Debt and Bills
  • Medical and Prescription Bills
  • Gifts Money to Your Family

  • Medical and Health Issues 
The current appraised value of your home, the prevailing interest rate and your age are the main factors that influence the amount of money you would receive from a reverse mortgage.
Reverse Mortgage loans were designed by the U.S. Department of Housing and Urban Development (HUD) in the late 1980's from the lobbying efforts of AARP. Most Reverse Mortgage loans made today are insured by the Federal Housing Administration (FHA)(a government supported mortgage insurance program). 

Read More About Reverse Mortgages - Advantages & Disadvantages

Read More About Reverse Mortgages - Frequently Asked Questions


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