{"id":181,"date":"2023-10-10T16:31:46","date_gmt":"2023-10-10T16:31:46","guid":{"rendered":"https:\/\/local.americansenior.com\/david-brown\/?page_id=181"},"modified":"2023-11-16T07:56:37","modified_gmt":"2023-11-16T07:56:37","slug":"reverse-mortgage-faqs","status":"publish","type":"page","link":"https:\/\/local.americansenior.com\/david-brown\/reverse-mortgage-faqs\/","title":{"rendered":"Reverse Mortgage FAQs"},"content":{"rendered":"\t\t
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Questions? I\u2019ve got answers.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\r\n\t\t\t\t\t\"David\r\n\t\t\t\t<\/figure>\r\n\t\t\t\t
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Ask David William Brown Your Reverse Mortgage Questions<\/h4>\r\n\t\t\t\t\tBranch Manager | NMLS #253068<\/span>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t\t
\r\n\t\t\t\t805-705-8336<\/a>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is a reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

A type of loan that allows senior homeowners to borrow against the equity in their homes. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don’t make monthly mortgage payments. The borrower is still responsible for paying their property taxes and insurance and maintaining the home.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is a Home Equity Conversion Mortgage (HECM) loan?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

A Home Equity Conversion Mortgage (HECM) is a federally insured reverse mortgage program, regulated by the U.S. Department of Housing and Urban Development (HUD). Borrowers are responsible for paying the premiums of that insurance.\u00a0 A HECM is the most common type of reverse mortgage and offers several safeguards for eligible homeowners.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat are the basic requirements for a HECM reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

To qualify for a HECM reverse mortgage, you must be at least 62 years old, own your home outright or have a low mortgage balance, and live in the home as your primary residence. Your eligibility will also be determined by a financial assessment to ensure you can meet ongoing obligations like property taxes and insurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat percentage of equity is required for a reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

The amount of equity required for a reverse mortgage varies based on factors such as your age, the home’s appraised value, and current interest rates. Generally, the older you are and the higher your home’s value, the more equity you can access.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat if I still owe money on a first or second mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

You can still get a reverse mortgage even if you have an existing mortgage on your home. The reverse mortgage must be used to pay off the existing mortgage, and any remaining funds can be used as you see fit.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow much money can I get?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

The amount you can receive from a reverse mortgage depends on your age, home value, current interest rates, and the specific program you choose. Generally, the older you are and the more valuable your home, the more money you can access.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow can I receive the funds from a reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

You can receive the funds from a reverse mortgage in various ways, including a lump sum, monthly payments, a line of credit, or a combination of these options. The choice depends on your financial goals and needs.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I refinance my existing mortgage, home equity loan or home equity line of credit?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

Yes, you can use a reverse mortgage to refinance an existing mortgage or other home-related debts. The reverse mortgage pays off these obligations, and you can access any remaining funds.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWill I be taxed on my reverse mortgage proceeds?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

No, reverse mortgage proceeds are generally not considered taxable income. Consult with a tax advisor for your specific situation.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow can I use the proceeds?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

You can use the proceeds from a reverse mortgage for any purpose, such as covering living expenses, home improvements, medical bills, travel, or debt consolidation.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I use a reverse mortgage to purchase \u2028a home?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

Yes, you can use a reverse mortgage for a Home Equity Conversion Mortgage for Purchase (HECM for Purchase) to buy a new home if you meet the age and occupancy requirements.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tAre interest rates fixed or variable?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

Interest rates for reverse mortgages can be either fixed or variable, depending on the product you choose. Fixed rates offer a one-time lump sum payment, while variable rates may provide more flexible payment options.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan a reverse mortgage be refinanced?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

Yes, you can refinance a reverse mortgage to access more equity or to take advantage of better terms if your home’s value has increased.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWill I have to pay any fees?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

Yes, like any mortgage, reverse mortgages come with closing costs and fees. These typically include origination fees, mortgage insurance, and appraisal costs.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat has to be repaid when the loan \u2028becomes due?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

When the loan becomes due, you or your heirs will need to repay the loan balance, including any accrued interest and fees. Typically, this is done by selling the home or using other assets.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhen will the principal and interest charges become due?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

The principal and interest charges of a reverse mortgage become due when you move out of the home, sell the home, or pass away. The loan will then be repaid from the home’s sale proceeds. The principal and interest will also be due if the borrower defaults on the loan terms.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat if one of the co-borrowers passes away or must move out for health reasons?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

If one co-borrower passes away or moves out of the home for health reasons, the loan will not become due as long as at least one borrower continues to live in the home as their primary residence.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/line><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is reverse mortgage counseling?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t

Reverse mortgage counseling is a mandatory step in the application process. It involves meeting with a HUD-approved counselor who provides information and ensures that you fully understand the terms and implications of a reverse mortgage.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Common Reverse Mortgage Misconceptions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Just like a traditional mortgage, with a reverse mortgage, you still own your home.<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\tThis is one of the most common myths. The truth is, you retain ownership of your home and your name remains on the title \u2013 just like any other type of mortgage. As with any home-secured loan (or mortgage), foreclosure is a risk and you must meet your loan obligations, keep current with property taxes, insurance, and maintenance.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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Your spouse will still be provided for if you pass away. <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Your co-borrowing spouse can remain living in the home and enjoying all the features of the reverse mortgage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Even if you already have a mortgage on your home, you may still qualify for a reverse mortgage. <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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You may still be eligible for a reverse mortgage. Proceeds from your reverse mortgage would first be used to pay off any existing mortgage(s). This means the balance of your existing mortgage(s) will be added to the balance of your reverse mortgage. One of our experienced loan officers can help you find out if you are eligible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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A reverse mortgage does not usually interfere with your Social Security.<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The funds from a reverse mortgage generally do not affect regular Social Security or Medicare benefits. In fact, many people use their reverse mortgage to delay taking Social Security benefits so they can receive a higher monthly payout. Needs-based benefits such as Supplemental Security Income (SSI) or Medicaid may be affected. Consult a financial professional. Visit www.ssa.gov.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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With a reverse mortgage, you still have the opportunity to leave your home to your heirs. <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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When you pass away, your designated heir(s) will still inherit your home. If they decide to keep the home, they will have to pay back the loan balance, which includes the amount of funds that you used plus accrued interest and fees. Or, they can decide to sell the home to repay the loan; in this case, once the loan is repaid any remaining equity is theirs to keep.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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You will never owe more than the home is worth when the loan is repaid. <\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Our reverse mortgages are non-recourse loans. This means that you and your heirs can never owe more than the house is worth when the loan is repaid.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Questions? I\u2019ve got answers. What is a reverse mortgage? A type of loan that allows senior homeowners to borrow against the equity in their homes. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse …<\/p>\n

Reverse Mortgage FAQs<\/span> Read More »<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","footnotes":""},"class_list":["post-181","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/pages\/181","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/comments?post=181"}],"version-history":[{"count":0,"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/pages\/181\/revisions"}],"wp:attachment":[{"href":"https:\/\/local.americansenior.com\/david-brown\/wp-json\/wp\/v2\/media?parent=181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}