Reverse Mortgages

What is a Reverse Mortgage?
  • Reverse mortgages are a way for homeowners, 62 and over, to access equity they have in their homes. 
  • A reverse mortgage is a loan against your home that you do not have to pay back for as long as you live in the home.
  • You still own your home throughout the entire term of the loan.
  • A reverse mortgage can help you access cash based on the value of your home without you having to make monthly mortgage payments and can help you better manage your financial future.

For more information on Reverse Mortgages and how they may benefit you or a loved one contact Jamie Frampton, Reverse Mortgage Specialist



Benefits of a Reverse Mortgage
  • No monthly mortgage payments 
  • No income qualifications 
  • Loan proceeds may be tax-free (consult a financial or tax advisor).
  • You can receive the money in a way that suits your financial situation – lump sum, line of credit, fixed monthly payments – or a combination of any of these options.
  • May not affect Social Security or Medicare benefits (contact a financial or tax advisor). 
  • The loan is not due until the last borrower permanently leaves the home.
  • There are no income requirements.
  • Minimal credit verification performed (Bad or derogatory credit does not disqualify you).
  • The amount of reverse mortgage benefit is determined by the age of the youngest borrower on title (all borrowers must be at least 62 years of age).
  • The current appraised value of the home.

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