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What is a Reverse Home Mortgage?
A reverse mortgage is a type of loan in which senior citizens can access their home equity and convert it into cash to improve their finances. This allows for senior citizens to convert their tax-free loan proceeds to use it for a more joyful retirement, while staying in the comfort of their home. The loan generally does not have to be repaid until the last borrower no longer occupies the home as their primary residence and the loan amount will never exceed the market value of the home.
Top 6 Benefits
Immediate access to home
Retain Home Ownership
No monthly mortgage payments
Retire in the comfort of your own home
Delay Social Security
Protect your equity and estate through a life insurance policy
Reverse Mortgage Qualifications
You must be 62 years of age or older.
You must own your home or have a large
amount of equity
You must occupy the home as your primary
residence for the duration of the loan
You must complete a financial assessment