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PostWysłany: Czw 12:58, 10 Mar 2011    Temat postu: tod 2652

Reverse Mortgage for Seniors - Why You Need Independent Counseling
When you ultimately pass on, you will not likely be able to take your home with you! So, why not let your home (or rather the equity in it) help fund the rest of your days? That's why they created the ��Reverse Mortgage for Seniors". Every senior really needs to check into the reverse mortgage programs if only to be up to date and to have an ��ace in your back pocket" should an unforeseen catastrophe occur. Many seniors are wiped out each year when a sudden huge medical bill or other unexpected expense jumps up out of the blue. A reverse mortgage may very well be your financial salvation in case something like that happens to you.
A reverse mortgage can be a great way to receive additional retirement income that is much needed in [link widoczny dla zalogowanych]ay's society. But there are several factors that come into play when you apply for and receive a reverse mortgage. Before you jump into this advantageous program,[link widoczny dla zalogowanych], make sure that you have all of the reverse mortgage information that you need to know.
The first piece of reverse mortgage information that you need to know is who can qualify. Anyone homeowner over the age of sixty-two who has sufficient equity built up in their home can qualify for a reverse mortgage. Condominiums usually qualify,[link widoczny dla zalogowanych], however, co-ops are not generally allowed as collateral for a reverse mortgage except in certain areas, so make sure you get all information specific to your home and area before applying.
The second piece of reverse mortgage information that you need to know is how the loan works. When you get a reverse mortgage, you receive money from a lender based on your age, the amount of equity in your home, home value, and interest rates. The reverse mortgage loan does not become due until you or your spouse pass on, move to another principle residence, or sell the home. Most often, a reverse mortgage is repaid by the sale of the home. Therefore, if you plan to leave your home to your children,[link widoczny dla zalogowanych], you should gather all of the necessary reverse mortgage information to make sure that you are making the right decision.
Finally, you should not make any major financial decisions without doing personal research and receiving independent advice from a trusted source. There are many not for profit associations,[link widoczny dla zalogowanych], organizations, and websites that contain reverse mortgage information. You should get reverse mortgage information from several sources, and compare the information that you receive. This will help to protect you and your estate from bad investments and unreliable lenders. Be alert for scams, particularly those who contact you by telephone and do not, under any circumstances give your personal information to anyone that you don't personally know.
A reverse mortgage for senior package may well be just the ticket for you, but be sure to do your homework and take your time. Don Seibert is a retired business executive intimately familiar with real estate mortgages and the needs of senior citizens. His website is [link widoczny dla zalogowanych] retiree-finance. com and it has More Reverse Mortgage Information and many more free articles related to home refinance for Senior Citizens.Topics related articles:


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