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Housing Services

Advantage of a Reverse Mortgage

The biggest advantages are that there are no credit-worthiness or income requirements and instead of making a payment on your loan, you receive monthly payments, a lump sum payout, or a line of credit. Money from a reverse mortgage can provide seniors with the financial security they need, and it can enable them to enjoy their retirement years while allowing them to remain in their home.

Get cash out or pay off debt and make no payments:

  • No monthly payments are due for as long as the homeowner lives in the home
  • Pays off existing mortgages on the home
  • Credit score and income are not considered
  • Proceeds are not taxable

Offers security:

  • Allows the homeowner to stay in the home permanently
  • With minimal requirements, the lender can never take your home
  • No change to the title – lender receives only a mortgage lien
  • The extra money may help you to maintain your independence and security

You have control:

  • You decide how much equity you will use or leave to your heirs
  • You control how much, or how little, money you take out of your equity
  • Leave the vast majority or very little of your equity
  • Flexible terms for receiving payments are available
  • Heirs inherit the home and keep the remaining equity after the balance of the reverse mortgage is paid off

Fair and safe way to access your equity:

  • Government designed, highly regulated, and extensively disclosed mortgage program
  • Independent counseling is always required before the loan process is complete
  • The lender is repaid only what it is owed
  • Can’t get “upside down”, so the heirs will never owe more than the home is worth.
  • The interest rate is generally lower than traditional mortgages and home equity loans
  • Conservative lending limits generally prevent you from using all of your home equity
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