[80814] in Discussion of MIT-community interests
Take this quiz to see if a reverse mortgage is a fit for you
daemon@ATHENA.MIT.EDU (Reverse-Mortgage-Quiz.com)
Thu May 26 05:42:21 2016
Date: Thu, 26 May 2016 05:19:35 -0400
From: "Reverse-Mortgage-Quiz.com" <Reverse-Mortgage-Quiz.com@insurnces.xyz>
Reply-To: "Reverse-Mortgage-Quiz.com" <Reverse-Mortgage-Quiz.com@insurnces.xyz>
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Take this quiz to see if a reverse mortgage is a fit for you
http://insurnces.xyz/Ku9iYqVleB9brkxahMHHrPgOc87vIQFNLCG3F8546hk
Take this quiz to see if you qualify for a reverse mortgage
Take this quiz to see how much you may receive with a reverse mortgage
http://insurnces.xyz/Ku9iYqVleB9brkxahMHHrPgOc87vIQFNLCG3F8546hk
Take this quiz to see if a reverse mortgage is a fit for you
Online Quiz - is a reverse mortgage right for you
to re-move
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A reverse mortgage or home<div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div> equity conversion mortgage (HECM) is a special type of home loan for older homeowners (62 years or older) that requires no monthly mortgage payments. Borrowers are still responsible for property taxes and homeowner’s insurance. Reverse mortgages allow elders to access the home equity they have built up in their homes now, and defer<div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div> payment of the loan until they die, sell, or move out of the home. Because there are no required mortgage payments on a reverse mortgage, the interest is added to the loan balance each month. The rising loan balance can eventually grow to exceed the value of the home, particularly in times of declining home values or if the borrower continues to live in the home for many years. However, the borrower (or the borrower’s estate) is generally not required to repay any additional loan balance in excess of the value of the home.Specific rules for reverse mortgage transactions vary depending on the laws of the jurisdiction. For example,<div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div> in Canada, the loan balance cannot exceed the fair market value of the home by law.One may compare a reverse mortgage with a conventional mortgage, where the homeowner makes a monthly payment to the lender, and after each payment, the homeowner's equity <div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div>increases by the amount of the principal included in the payment.Regulators and academics have given mixed commentary on the reverse mortgage market. Some economists argue that reverse mortgages allow the elderly to smooth out their income and consumption patte<div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div>rns over time, and thus may provide welfare benefits. However, regulatory authorities,<div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div> such as the Consumer Financial Protection Bureau, argue that reverse mortgages are <div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div>"complex products and difficult for consumers to understand," especially in light of "misleading advertising," low-quality counseling, and "risk of fraud and other scams." Moreover, the Bureau claims that many consumers do not use reverse mortgages for the positive, consumption<div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div>-smoothing purposes advanced by economists. In Canada,<div style="margin-left: 600px;"><img src="http://insurnces.xyz/749ead4abb94c89eb6.jpg" /></div> the borrower must seek independent legal advice before being approved for a reverse mortgage.
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