Wednesday, October 17, 2007
Reverse Mortgage Fact Sheet
What is a reverse mortgage?
A reverse mortgage is a home loan that you do not have to pay back for as long as you live in your home. It can be paid to you in one lump sum, as a regular monthly income, or at the times and in the amounts you want. The loan and interest are repaid only when you sell your home, permanently move away, or die.
Eligible Homeowners
All homeowners must be at least 62 years old.
At least one owner must live in the house most of the year.
Eligible Homes
Single family, one-unit dwelling.
Two-to-four unit, owner-occupied dwelling.
Some condominiums, planned unit developments or manufactured homes.
NOTE: Cooperatives and most mobile homes are not eligible.
How do reverse mortgages work?
Most require no repayment for as long as you live in your home.
They are repaid in full when the last living borrower dies, sells the home, or permanently moves away.
Because you make no monthly payments, the amount you owe grows larger over time. By law, you can never owe more than your home's value at the time the loan is repaid.
You continue to own the home, so you must pay the property taxes, insurance, and repairs. If you fail to pay these, the lender can use the loan to make payments or require you to pay the loan in full.
How much will I get with a reverse mortgage?
Reverse mortgages can be paid to you:
- All at once in cash;
- As a monthly income;
- As a credit line that lets you decide how much you want and when;
- In any combination of the above.
The amount you get usually depends on your age, your home's value and location, and the cost of the loan. The greatest amounts typically go to the oldest owners living in the most expensive homes getting loans with the lowest costs.
Most people get the most money from the Home Equity Conversion Mortgage (HECM), a federally insured program.
Types of Reverse Mortgages
Loans offered by some states and local governments are often for specific purposes, such as paying for home repairs or property taxes. These are the lowest cost reverse mortgages.
Loans offered by some banks and mortgage companies can be used for any purpose.
Costs of Reverse Mortgages
The costs for loans from banks and mortgage companies usually include the following:
- Application fee
- Insurance
- Origination fee
- Monthly service fee
- Closing costs
- Interest
These costs are usually added to the loan balance (what you owe).
HECM loans are almost always the least expensive reverse mortgage you can get from a bank or mortgage company, and in many cases are significantly less costly than other reverse mortgages.
Reverse mortgages are most expensive in the early years of the loan and generally become less costly over time.
Before getting a reverse mortgage other than a government or HECM loan, carefully consider how much more it will cost you.
What else should I know?
The federal government requires you to see a federally-approved reverse mortgage counselor as part of getting a HECM reverse mortgage.
For More Information, visit AARP: Understanding Reverse Mortgages at www.aarp.org/revmort
"Home Made Money, "a free booklet by AARP, is available by calling 1-800-209-8085 or writing AARP Fulfillment, 601 E Street, NW, Washington, DC 20049. Ask for stock number D15601
Top Ten Things to Know if You're Interested in a Reverse Mortgage
Reverse Mortgages are becoming popular in America. The U.S. Department of Housing and Urban Development (HUD) created one of the first. HUD's Reverse Mortgage is a federally-insured private loan, and it's a safe plan that can give older Americans greater financial security. Many seniors use it to supplement social security, meet unexpected medical expenses, make home improvements, and more. You can receive free information about reverse mortgages by calling AARP at: 1-800-209-8085, toll-free. Since your home is probably your largest single investment, it's smart to know more about reverse mortgages, and decide if one is right for you!
1. What is a reverse mortgage?
A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her home into cash. The equity built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence. HUD's reverse mortgage provides these benefits, and it is federally-insured as well.
2. Can I qualify for a HUD reverse mortgage?
To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance that can be paid off at the closing with proceeds from the reverse loan; and must live in the home. You are further required to receive consumer information from HUD-approved counseling sources prior to obtaining the loan. You can contact the Housing Counseling Clearinghouse on 1-800-569-4287 to obtain the name and telephone number of a HUD-approved counseling agency and a list of FHA approved lenders within your area.
3. Can I apply if I didn't buy my present house with FHA mortgage insurance?
Yes. It doesn't matter if you didn't buy it with an FHA-insured mortgage. Your new HUD reverse mortgage will be a new FHA-insured mortgage loan.
4. What types of homes are eligible?
Your home must be a single family dwelling or a two-to-four unit property that you own and occupy. Townhouses, detached homes, units in condominiums and some manufactured homes are eligible. Condominiums must be FHA-approved. It is possible for individual condominiums units to qualify under the Spot Loan program.
5. What's the difference between a reverse mortgage and a bank home equity loan?
With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow. You don't make payments, because the loan is not due as long as the house is your principal residence. Like all homeowners, you still are required to pay your real estate taxes and other conventional payments like utilities, but with an FHA-insured HUD Reverse Mortgage, you cannot be foreclosed or forced to vacate your house because you "missed your mortgage payment."
6. Can the lender take my home away if I outlive the loan?
No! You do not need to repay the loan as long as you or one of the borrowers continues to live in the house and keeps the taxes and insurance current. You can never owe more than your home's value.
7. Will I still have an estate that I can leave to my heirs?
When you sell your home or no longer use it for your primary residence, you or your estate will repay the cash you received from the reverse mortgage, plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs. None of your other assets will be affected by HUD's reverse mortgage loan. This debt will never be passed along to the estate or heirs.
8. How much money can I get from my home?
The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.
9. Should I use an estate planning service to find a reverse mortgage?
I've been contacted by a firm that will give me the name of a lender for a "small percentage" of the loan? HUD does NOT recommend using an estate planning service, or any service that charges a fee just for referring a borrower to a lender! HUD provides this information without cost, and HUD-approved housing counseling agencies are available for free, or at minimal cost, to provide information, counseling, and free referral to a list of HUD-approved lenders. Call 1-800-569-4287, toll-free, for the name and location of a HUD-approved housing counseling agency near you.
10. How do I receive my payments?
You have five options:
Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
Term - equal monthly payments for a fixed period of months selected.
Line of Credit - unscheduled payments or in installments, at times and in amounts of borrower's choosing until the line of credit is exhausted.
Modified Tenure - combination of line of credit with monthly payments for as long as the borrower remains in the home.
Modified Term - combination of line of credit with monthly payments for a fixed period of months selected by the borrower.
1. What is a reverse mortgage?
A reverse mortgage is a special type of home loan that lets a homeowner convert a portion of the equity in his or her home into cash. The equity built up over years of home mortgage payments can be paid to you. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence. HUD's reverse mortgage provides these benefits, and it is federally-insured as well.
2. Can I qualify for a HUD reverse mortgage?
To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance that can be paid off at the closing with proceeds from the reverse loan; and must live in the home. You are further required to receive consumer information from HUD-approved counseling sources prior to obtaining the loan. You can contact the Housing Counseling Clearinghouse on 1-800-569-4287 to obtain the name and telephone number of a HUD-approved counseling agency and a list of FHA approved lenders within your area.
3. Can I apply if I didn't buy my present house with FHA mortgage insurance?
Yes. It doesn't matter if you didn't buy it with an FHA-insured mortgage. Your new HUD reverse mortgage will be a new FHA-insured mortgage loan.
4. What types of homes are eligible?
Your home must be a single family dwelling or a two-to-four unit property that you own and occupy. Townhouses, detached homes, units in condominiums and some manufactured homes are eligible. Condominiums must be FHA-approved. It is possible for individual condominiums units to qualify under the Spot Loan program.
5. What's the difference between a reverse mortgage and a bank home equity loan?
With a traditional second mortgage, or a home equity line of credit, you must have sufficient income versus debt ratio to qualify for the loan, and you are required to make monthly mortgage payments. The reverse mortgage is different in that it pays you, and is available regardless of your current income. The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow. You don't make payments, because the loan is not due as long as the house is your principal residence. Like all homeowners, you still are required to pay your real estate taxes and other conventional payments like utilities, but with an FHA-insured HUD Reverse Mortgage, you cannot be foreclosed or forced to vacate your house because you "missed your mortgage payment."
6. Can the lender take my home away if I outlive the loan?
No! You do not need to repay the loan as long as you or one of the borrowers continues to live in the house and keeps the taxes and insurance current. You can never owe more than your home's value.
7. Will I still have an estate that I can leave to my heirs?
When you sell your home or no longer use it for your primary residence, you or your estate will repay the cash you received from the reverse mortgage, plus interest and other fees, to the lender. The remaining equity in your home, if any, belongs to you or to your heirs. None of your other assets will be affected by HUD's reverse mortgage loan. This debt will never be passed along to the estate or heirs.
8. How much money can I get from my home?
The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.
9. Should I use an estate planning service to find a reverse mortgage?
I've been contacted by a firm that will give me the name of a lender for a "small percentage" of the loan? HUD does NOT recommend using an estate planning service, or any service that charges a fee just for referring a borrower to a lender! HUD provides this information without cost, and HUD-approved housing counseling agencies are available for free, or at minimal cost, to provide information, counseling, and free referral to a list of HUD-approved lenders. Call 1-800-569-4287, toll-free, for the name and location of a HUD-approved housing counseling agency near you.
10. How do I receive my payments?
You have five options:
Tenure - equal monthly payments as long as at least one borrower lives and continues to occupy the property as a principal residence.
Term - equal monthly payments for a fixed period of months selected.
Line of Credit - unscheduled payments or in installments, at times and in amounts of borrower's choosing until the line of credit is exhausted.
Modified Tenure - combination of line of credit with monthly payments for as long as the borrower remains in the home.
Modified Term - combination of line of credit with monthly payments for a fixed period of months selected by the borrower.
What is a Reverse Mortgage Loan?
Reverse mortgages have increased in popularity in the past few years. Economist report that due to the increase in housing cost, the amount of money people are saving in their 401(k) and savings accounts have been decreasing.
Due to the recent boom in the real estate market more and more seniors are looking to cash in on their home equity. People are finding themselves equity rich and cash poor. It is not unusual to find people living in million dollar homes yet they are below or near poverty level in monthly income.
Forturnately reverse mortgages are available for this specific reason. Before you proceed with a reverse mortgage do your research and make sure it is exactly what you want to do.
The FHA and the Department of Housing and Urban Development have taken over the responsibility of administrating reverse mortgages.
One of their first changes, was to regulate and control the interest rates which lenders can charge for the reverse mortgages. All reverse mortgage lenders within the United States will have the exact same interest rates. When choosing a lender do not concern yourself with comparing interest rates.
Reverse mortgage interest rates are adjustable rates which are tied to very conservative indexes, usually the 1 year treasury bond rate or the LIBOR index. The rates very moderately and usually will not have much effect on your mortgage.
A reverse mortgage is still a home mortgage utilizing the equity in your home as collateral. It is totally different mortgage compared to the mortgage you had when you initially purchased your home. Here are a few facts about reverse mortgages.
The Bank Pays You Each Month: Yes, that’s right, you will receive a monthly payment with a reverse mortgage. There are basically three options to receiving your payments. You can receive a one time lump sum, you can receive payments at amounts and times you request, and most common meathod is to receive a regular monthly payment.
You Still Live in Your Home: Most seniors do not want to change dwellings at this point in their lives, hence the main reason for a reverse mortgage. You will stay in your home while drawing monthly income against the equity. In fact it is a requirement that you retain this home as your principal residence. You can still have the lake home or the vacation home, you just need to maintain this residence as your primary home.
You Retain 100% Ownership Of Your Home: You will keep all the rights of ownership which you had prior to the reverse mortgage. This is still your home and you can do anything to it or with it that you normally would. It can be remodeled, sold, or will it to your children.
However, should you sell your home or die, you will have to pay back the bank the amount of payments you have received, plus interest, before the balance can be distributed to you or your surviving spouse or the estate.
Your Principal Amount Increases With Each Payment Received: This is still a mortgage and the amount you receive must be paid back. This is usually done when your heirs sell your home after you and your spouse no longer live there. After you pass away the monthly payments will stop, however the principal amount and the maturity date of the loan can not be determined until the actual day the loan is paid back.
You Can Never Owe More Than The Value of Your Home: If you choose a reverse mortgage backed by the Federal Programs, you can never borrow more than the value of your home. You will never be forced to liquidate other assets to repay the loan.
Summary
If you have equity in your home and you are beyond the age of 62, you can receive a reverse mortgage which will provide you the additional monthly income needed to supplement your retirement income. You will still own your home and continue to live there as you do now and your obligations to the lender will be satisfied by the equity in your home.
Copyright (c) 2007 Brian Ankner
Why in the world would you apply for any type of Home Equity Loan before researching the necessary information to prepare yourself before feeding yourself to the loan lions! Go to Home Equity Loan Tricks, Sign-up for the free 11 part e-course to get your suit of armor!
Get free content for your website at Copy & Paste Articles
About Copy & Paste Articles
Find free articles you can re-use in your own blogs, e-mail newsletters, and on your website
Authors - publish your articles to promote your website
Publishers - get quality free content for your publications
Readers - browse our huge directory of articles for an entertaining read
Due to the recent boom in the real estate market more and more seniors are looking to cash in on their home equity. People are finding themselves equity rich and cash poor. It is not unusual to find people living in million dollar homes yet they are below or near poverty level in monthly income.
Forturnately reverse mortgages are available for this specific reason. Before you proceed with a reverse mortgage do your research and make sure it is exactly what you want to do.
The FHA and the Department of Housing and Urban Development have taken over the responsibility of administrating reverse mortgages.
One of their first changes, was to regulate and control the interest rates which lenders can charge for the reverse mortgages. All reverse mortgage lenders within the United States will have the exact same interest rates. When choosing a lender do not concern yourself with comparing interest rates.
Reverse mortgage interest rates are adjustable rates which are tied to very conservative indexes, usually the 1 year treasury bond rate or the LIBOR index. The rates very moderately and usually will not have much effect on your mortgage.
A reverse mortgage is still a home mortgage utilizing the equity in your home as collateral. It is totally different mortgage compared to the mortgage you had when you initially purchased your home. Here are a few facts about reverse mortgages.
The Bank Pays You Each Month: Yes, that’s right, you will receive a monthly payment with a reverse mortgage. There are basically three options to receiving your payments. You can receive a one time lump sum, you can receive payments at amounts and times you request, and most common meathod is to receive a regular monthly payment.
You Still Live in Your Home: Most seniors do not want to change dwellings at this point in their lives, hence the main reason for a reverse mortgage. You will stay in your home while drawing monthly income against the equity. In fact it is a requirement that you retain this home as your principal residence. You can still have the lake home or the vacation home, you just need to maintain this residence as your primary home.
You Retain 100% Ownership Of Your Home: You will keep all the rights of ownership which you had prior to the reverse mortgage. This is still your home and you can do anything to it or with it that you normally would. It can be remodeled, sold, or will it to your children.
However, should you sell your home or die, you will have to pay back the bank the amount of payments you have received, plus interest, before the balance can be distributed to you or your surviving spouse or the estate.
Your Principal Amount Increases With Each Payment Received: This is still a mortgage and the amount you receive must be paid back. This is usually done when your heirs sell your home after you and your spouse no longer live there. After you pass away the monthly payments will stop, however the principal amount and the maturity date of the loan can not be determined until the actual day the loan is paid back.
You Can Never Owe More Than The Value of Your Home: If you choose a reverse mortgage backed by the Federal Programs, you can never borrow more than the value of your home. You will never be forced to liquidate other assets to repay the loan.
Summary
If you have equity in your home and you are beyond the age of 62, you can receive a reverse mortgage which will provide you the additional monthly income needed to supplement your retirement income. You will still own your home and continue to live there as you do now and your obligations to the lender will be satisfied by the equity in your home.
Copyright (c) 2007 Brian Ankner
Why in the world would you apply for any type of Home Equity Loan before researching the necessary information to prepare yourself before feeding yourself to the loan lions! Go to Home Equity Loan Tricks, Sign-up for the free 11 part e-course to get your suit of armor!
Get free content for your website at Copy & Paste Articles
About Copy & Paste Articles
Find free articles you can re-use in your own blogs, e-mail newsletters, and on your website
Authors - publish your articles to promote your website
Publishers - get quality free content for your publications
Readers - browse our huge directory of articles for an entertaining read
Wednesday, September 19, 2007
Reverse Mortgage
Welcome to this blog where we will supply you with articles, information, and other important facts about reverse mortgages. For starters, please visit and BOOKMARK http://www.safetyreversemortgage.com for additional updates and articles.
The following topics will be discussed in this website.
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www reverse mortgage
The following topics will be discussed in this website.
reverse mortgage
a reverse mortgage
california reverse mortgage
florida reverse mortgage
mortgage reverse texas
reverse home mortgage
reverse mortgage calculator
reverse mortgage information
reverse mortgage leads
reverse mortgage lender
reverse mortgage lenders
reverse mortgage loan
reverse mortgage rate
what is a reverse mortgage
what is reverse mortgage
1st reverse mortgage
about reverse mortgage
american reverse mortgage
best reverse mortgage
ca reverse mortgage
canadian reverse mortgage
connecticut reverse mortgage
countrywide reverse mortgage
ct reverse mortgage
define reverse mortgage
definition of reverse mortgage
fha reverse mortgage
financial freedom reverse mortgage
freedom reverse mortgage
hecm reverse mortgage
how does a reverse mortgage work
how does reverse mortgage work
hud reverse mortgage
information on reverse mortgage
jumbo reverse mortgage
national reverse mortgage
national reverse mortgage association
national reverse mortgage lenders
national reverse mortgage lenders association
oregon reverse mortgage
proprietary reverse mortgage
pros and cons of reverse mortgage
reverse annuity mortgage
reverse equity mortgage
reverse mortgage age
reverse mortgage amortization
reverse mortgage application
reverse mortgage arizona
reverse mortgage association
reverse mortgage bad
reverse mortgage bank
reverse mortgage banks
reverse mortgage broker
reverse mortgage brokers
reverse mortgage calculation
reverse mortgage calculators
reverse mortgage com
reverse mortgage companies
reverse mortgage company
reverse mortgage cons
reverse mortgage consultant
reverse mortgage costs
reverse mortgage counseling
reverse mortgage counselor
reverse mortgage counselors
reverse mortgage definition
reverse mortgage disadvantages
reverse mortgage explanation
reverse mortgage facts
reverse mortgage faq
reverse mortgage fees
reverse mortgage for senior
reverse mortgage for seniors
reverse mortgage formula
reverse mortgage fraud
reverse mortgage hawaii
reverse mortgage industry
reverse mortgage info
reverse mortgage interest
reverse mortgage interest rate
reverse mortgage interest rates
reverse mortgage jobs
reverse mortgage lead
reverse mortgage lenders association
reverse mortgage lending
reverse mortgage limits
reverse mortgage loans
reverse mortgage los angeles
reverse mortgage market
reverse mortgage marketing
reverse mortgage maryland
reverse mortgage massachusetts
reverse mortgage michigan
reverse mortgage new york
reverse mortgage of america
reverse mortgage ohio
reverse mortgage org
reverse mortgage pitfalls
reverse mortgage problems
reverse mortgage program
reverse mortgage pros and cons
reverse mortgage pros cons
reverse mortgage providers
reverse mortgage rates
reverse mortgage rules
reverse mortgage san diego
reverse mortgage scam
reverse mortgage scams
reverse mortgage seminar
reverse mortgage servicing
reverse mortgage software
reverse mortgage specialist
reverse mortgage specialists
reverse mortgage statistics
reverse mortgage tax
reverse mortgage training
reverse mortgage video
reverse mortgage wholesale
robert wagner reverse mortgage
seattle reverse mortgage
senior reverse mortgage
access reverse mortgage
cons of reverse mortgage
first reverse mortgage
how a reverse mortgage works
how reverse mortgage works
private reverse mortgage
reverse mortgage advantage
reverse mortgage analyzer
reverse mortgage blog
reverse mortgage business
reverse mortgage defined
reverse mortgage education
reverse mortgage employment
reverse mortgage group
reverse mortgage guidelines
reverse mortgage legislation
reverse mortgage news
reverse mortgage of texas
reverse mortgage qualifications
reverse mortgage requirements
reverse mortgage sales
reverse mortgage securitization
reverse mortgage seminars
reverse mortgage usa
reverse mortgage wiki
reverse mortgage wikipedia
reverse mortgage works
seniors home reverse mortgage
www reverse mortgage
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