Tuesday, September 30, 2014

The Basics of a Reverse Mortgage

A Reverse Mortgage  is a loan where homeowner 62 and older can borrow from the equity of their home. The goal of the loan is to provide monthly income to assist the homeowner in covering monthly living expenses. Complete the Quick Quote to confirm eligibility.

Reverse Mortgage Benefits
  • Stay in home without payment                
  • Pay off Bills and consolidate all debt
  • Product Flexibility for needs
  • No credit check or income verification
  • Increase Monthly cash flow
  • Reverse Income not taxed
  • No Monthly Mortgage Payment
  • Take cash out to complete Home repairs and Improvements
Some Reverse Mortgage Eligibility Information
  • All borrowers must be 62 and older
  • Occupy property as primary residence
  • Participate in an information counseling session
  • Property must meet FHA property standards
Reverse Mortgage Loan Amounts Based On
  • Age of youngest borrower
  • Current interest rate
  • Lesser of appraised value or the FHA insurance limit
Types of Reverse Mortgages
(HECM) Home Equity Conversion Refinance
(HECM) Home Equity Conversion Purchase

Complete Quick Quote to confirm eligibility