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Get the Funds You Need With a Reverse Mortgage
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What is a reverse mortgage?
Simply put, it's a loan that allows homeowners, age 62 years and older, to retain homeownership while converting equity into cash.*
Stop mortgage payments
Let your equity pay off your current mortgage.
Access tax-free cash
Receive funds upfront, via monthly payments, or let it grow as a line of credit.
Preserve your wealth
Find greater financial stability and make your retirement savings last longer.
*As long as you live in the home as your primary residence and keep up with both property taxes and insurance.
Reverse mortgage loan requirements
You are required to continue paying for:
Basic home maintenance
In order to receive reverse mortgage benefits, you must:
Be 62 years of age or older
Own your home
Live in that home as your primary residence
Want more information on reverse mortgages?
Visit one of our expert learning center articles to learn more.
Basic Guide to Reverse Mortgages
Retirees with limited income have an incredible financial supplement available to them, as homeowners. Learn requirements and how to get started.
Pros and Cons of Reverse Mortgages
Many homeowners are finding greater financial security through a reverse mortgage. Let's weigh the pros and cons to see if it's for you.
Using a Reverse Mortgage as a Retirement Saving Tool
As you approach retirement, you'll want a defined plan in place to ensure have enough money saved. It's not too late to consider a reverse mortgage.
Common reverse mortgage questions
What are the qualifications of a reverse mortgage?
To qualify, you must be 62 years or older, own your home, and occupy it as your primary residence.
When do I pay the loan back?
Payment is due when the borrower sells the home, passes away, or does not pay taxes and insurance.
What if the loan amount exceeds the value of my home? Am I responsible to pay back all of it?
No. Because they're non-recourse loans, backed by federal insurance, the lender can never collect more than the loan's value.
What can I use reverse mortgage funds for?
It's your choice! Many people choose to: pay off debt, make home improvements, or increase monthly cash flow.