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Hecm Reverse Mortgage Customer Stories
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Book Synopsis HECM Reverse Mortgage Customer Stories by : George Lagarde
Download or read book HECM Reverse Mortgage Customer Stories written by George Lagarde and published by . This book was released on 2015-04-01 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why do Seniors take out a Reverse Mortgage?These are 100 actual stories of reasons why Seniors have taken a Reverse Mortgage. Maybe your is listed here too? Many Seniors have used this FHA Insured Program to eliminate their monthly mortgage payments, or to supplement their monthly income without having to get assistance from their adult children, or from a Government Program, or to have to move from their current homes.Many also get it for the security it affords both spouses in the event one passes, the other can remain in the home, without having to make any monthly payments, or worrying about losing the house.The book also goes into what happens after the death of all the borrowers. It describes some of the changes which have taken place since 2013, and also the new Financial Assessment changes to take effect in 2015.The book is an informative, easy read, which may help those on the fence to evaluate the Program, and it may just allow you to make the right decision for your and your family.
Book Synopsis What's the Deal with Reverse Mortgages? by : Shelley Giordano MA
Download or read book What's the Deal with Reverse Mortgages? written by Shelley Giordano MA and published by . This book was released on 2019-04 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you are a financial professional working with retirees or if you are a retiree overseeing your own retirement spending, this book is for you. What's The Deal With Reverse Mortgages? explains in simple language how to safely and effectively include the home in retirement planning.
Book Synopsis Report on Reverse Mortgages by : Canadian Centre for Elder Law Studies
Download or read book Report on Reverse Mortgages written by Canadian Centre for Elder Law Studies and published by . This book was released on 2006 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Home Equity Conversion Mortgages by : United States. Department of Housing and Urban Development
Download or read book Home Equity Conversion Mortgages written by United States. Department of Housing and Urban Development and published by . This book was released on 1994 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Reverse Mortgages by : Matthew J. Scire
Download or read book Reverse Mortgages written by Matthew J. Scire and published by DIANE Publishing. This book was released on 2009-12 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reverse mortgages -- a type of loan against the borrower's home that is available to seniors -- are growing in popularity. However, concerns have emerged about the adequacy of consumer protections for this product. Most reverse mortgages are made under the HUD Home Equity Conversion Mortgage (HECM) program. HUD insures the mortgages, which are made by private lenders, and oversees the agencies that provide counseling to prospective HECM borrowers. This report examines issues and federal activities related to: (1) the potential benefits and costs of HECMs to borrowers; (2) misleading HECM marketing; (3) the sale of potentially unsuitable products in conjunction with HECMs; and (4) oversight of HECM counseling providers. Illus.
Book Synopsis Encyclopedia of Finance by : Cheng-Few Lee
Download or read book Encyclopedia of Finance written by Cheng-Few Lee and published by Springer Science & Business Media. This book was released on 2006-07-27 with total page 861 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is a major new reference work covering all aspects of finance. Coverage includes finance (financial management, security analysis, portfolio management, financial markets and instruments, insurance, real estate, options and futures, international finance) and statistical applications in finance (applications in portfolio analysis, option pricing models and financial research). The project is designed to attract both an academic and professional market. It also has an international approach to ensure its maximum appeal. The Editors' wish is that the readers will find the encyclopedia to be an invaluable resource.
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing, Transportation, and Community Development Publisher : ISBN 13 : Total Pages :48 pages Book Rating :4.:/5 (56 download)
Book Synopsis Long-term Sustainability for Reverse Mortgages by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing, Transportation, and Community Development
Download or read book Long-term Sustainability for Reverse Mortgages written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Housing, Transportation, and Community Development and published by . This book was released on 2013 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Reverse Mortgage Book by : Cindy Holcomb
Download or read book The Reverse Mortgage Book written by Cindy Holcomb and published by Atlantic Publishing Company. This book was released on 2008 with total page 420 pages. Available in PDF, EPUB and Kindle. Book excerpt: As reverse mortgages become more popular, it is important for senior citizens to understand this unique loan. This book explains everything you need to know in easy to understand terms.
Book Synopsis Reverse Mortgages and Linked Securities by : Vishaal B. Bhuyan
Download or read book Reverse Mortgages and Linked Securities written by Vishaal B. Bhuyan and published by John Wiley & Sons. This book was released on 2010-10-26 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: An institutional investor's guide to the burgeoning field of reverse mortgage securitization Reverse Mortgages and Linked Securities is a contributed title comprising many of the leading minds in the Home Equity Conversion Mortgages (HECM) industry, including reverse mortgage lenders, institutional investors, underwriters, attorneys, and regulators. This book begins with a brief history of reverse mortgages, and quickly moves on to discuss how the industry has evolved-detailing the players in these markets as well as the process. It discusses the securitization of reverse mortgages and other linked securities and includes coverage of pricing techniques and risk mitigation. This reliable resource also takes the time to cover the current regulatory environment of the HECM market, which is constantly changing due to the current state of the real estate market. Highlights specific strategies that will allow institutional investors to benefit from the resurgence of reverse mortgages and linked securities One of the only guides to reverse mortgages and linked securities targeted towards institutional investors interested in securitized products If you want to make the most of reverse mortgages and linked securities, take the time to read this book.
Book Synopsis Why a Reverse Mortgage?: Real-life Success Stories by : Don Opeka
Download or read book Why a Reverse Mortgage?: Real-life Success Stories written by Don Opeka and published by Illumify Media. This book was released on 2021-08-10 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is a Reverse Mortgage the missing piece that completes your financial puzzle? Whether you are a homeowner approaching retirement or a loan originator struggling to explain Reverse Mortgages to clients, Why a Reverse Mortgage? provides valuable information that can help alleviate anxiety on both sides of the desk. With a helpful term glossary, amortization examples, and real-life Reverse Mortgage success stories, Don Opeka removes the guesswork from a vital piece of the retirement financial planning puzzle once and for all. A twenty-five-year veteran of the mortgage industry, Don Opeka dispels the myths surrounding Reverse Mortgages and shows you how you can: - Eliminate monthly mortgage payments - Provide an assured line of credit - Supply a guaranteed monthly cash flow
Book Synopsis Reverse Mortgages by : Wade Donald Pfau
Download or read book Reverse Mortgages written by Wade Donald Pfau and published by McLean Asset Management Corporation. This book was released on 2018-02-06 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reverse mortgages have been surrounded by negativity. They were often mentioned alongside phrases like "last resort," "out of money," and "bad choice." In 2014, intrigued by the seemingly universal bad rap reverse mortgages had cultivated, Dr. Wade Pfau began researching them in depth. Over the course of the next year, he came to the conclusion that reverse mortgages aren't inherently a bad idea, though they are often misunderstood and not used in a most beneficial way. In fact, Dr. Pfau realized that reverse mortgages---when used correctly---can provide an added layer of security for retirees and allow them to enjoy retirement more by gaining liquidity from an illiquid asset. This second edition of the book is fully revised and updated for the modification of reverse mortgage rules affecting applications after October 2, 2017.
Book Synopsis What's the Deal with Reverse Mortgages? by : Shelley Giordano
Download or read book What's the Deal with Reverse Mortgages? written by Shelley Giordano and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: People entering, nearing, or in retirement are all wondering how they are going to make their retirement nest eggs last as long as they do. Studies show that the main fear that people have in retirement is running out of money. Add to that the reality that the rules for retirement have changed; government regulations have both helped and hindered those who are retiring. For many in the Boomer generation, it will be a challenge to make the money last without having to adhere to an unpleasant budget. To survive and thrive in retirement in the coming years requires new thinking and a clear understanding of the options open to retirees. One of these options is the Home Equity Conversion Mortgage, or what most people know as "reverse mortgages." This advancement was signed into law by President Reagan in 1988 as a way to provide homeowners the opportunity to raise funds from their home equity while continuing to enjoy living in their homes. The concept of reverse mortgages has been misunderstood and misapplied by many since that time and finally a book has arrived that thoroughly explores this concept in a detailed, yet readable manner. In What's the Deal with Reverse Mortgages?, Shelley Giordano, an expert of reverse mortgages and member of the Longevity Task Force, a group of thought leaders in retirement portfolio theory, has written a book that discusses the significant improvements made by HUD/FHA to the Home Equity Conversion Mortgage (HECM.) Over the years, and most notably in 2015, HUD has improved consumer safeguards, and reduced acquisition costs for those wishing to use their housing wealth in a controlled and strategic pattern. Shelley has brought together thought leaders and experts to write a book that applies sound analysis to demonstrate that the prudent and conservative use of housing wealth, accessed via the modern HECM, can have a profound positive effect on our other assets and our ability to generate income for retirement. This book debunks the hoary old myths attached to reverse mortgages. It explains how the HECM has evolved to meet the needs of the Boomer generation. And most importantly, it explains how to evaluate your housing wealth in the early years of retirement, and why you should never wait and pray by deferring a reverse mortgage as a last resort. Reading this book will provide you with a full understanding of reverse mortgages to see beyond the current sales and advertising tactics related to the product allowing you to discuss the best options with your adviser, banker and family. It's the definitive book on reverse mortgages!
Book Synopsis The Pocket Idiot's Guide to Reverse Mortgages by : Jennifer A. Pokorny
Download or read book The Pocket Idiot's Guide to Reverse Mortgages written by Jennifer A. Pokorny and published by Alpha Books. This book was released on 2005 with total page 196 pages. Available in PDF, EPUB and Kindle. Book excerpt: What are they? How do they work? What do they do? There are more than 100,000 active reverse mortgages in the U.S. today, and the number is growing. If Social Security benefits are excluded, about half of all senior citizens would fall below the poverty line based on their income, and for many people over 65, much of their wealth is concentrated in their home equity. As health care costs rise, many people are turning to reverse mortgages for supplemental income. This book outlines, informs, counsels, and lays out the facts on reverse mortgages. -Anticipation of Social Security problems is increasing the popularity of reverse mortgages -More people are expected to turn to reverse mortgages to supplement their income -The Consumers Union of U.S. Inc. says that AARP, HUD, Fannie Mae, and the reverse mortgage industry all agree on the importance of high-quality reverse mortgage counseling and information
Book Synopsis Reverse Mortgages For Dummies by : Sarah Glendon Lyons
Download or read book Reverse Mortgages For Dummies written by Sarah Glendon Lyons and published by John Wiley & Sons. This book was released on 2011-01-11 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: For seniors who live on a fixed income, owning a home—and keeping it—can be financially challenging. Rather than face the choice of selling your home and moving or becoming a home-owning pauper, reverse mortgage products let seniors convert part of their equity into tax-free income that can be used for anything—even mortgage payments, living expenses, or medical costs. Reverse Mortgages For Dummies covers all the basics of reverse mortgage products so you and your adult children can understand and take full advantage of these handy loans—and keep the home you love. Covering a full range of reverse mortgage options and topics, you’ll discover how to: Decide if a reverse mortgage is right for you Shop for the best reverse mortgage products Find out if your home is eligible Find a counselor who can help you Written by Sarah Lyons, an Assistant Editor at Mortgage Originator magazine, and John Lucas, an experienced reverse mortgage specialist, Reverse Mortgages For Dummies explains these helpful loan products in simple, easy-to-understand language free of all the jargon. Once you understand how reverse mortgages differ from other loans—and what you could do with your reverse mortgage—the book covers the specifics you need to find the right loan for you, including: Special advice for adult children helping their senior parents secure a loan How to get a reverse mortgage and keep your second home legally Property requirements and financing fees Selecting among a multitude of lenders Spending and estimating leftover equity Sharing the decision-making process with family and loved ones If you’re a senior wondering whether a reverse mortgage can help you keep your home, this book gives you the information you need to make smart, informed decisions that are vital to you, and your family’s, security. Reverse Mortgages For Dummies will help you keep your home and live the life you want.
Book Synopsis The Reverse Mortgage Handbook by : Tara E. Ballman
Download or read book The Reverse Mortgage Handbook written by Tara E. Ballman and published by Jawbone Publishing Corporation. This book was released on 2004 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Reverse Mortgage Handbook provides detailed information and examples to assist in a comprehensive understanding of three popular reverse mortgage products: HUD's Home Equity Conversion Mortgage, Fannie Mae's Home Keeper Mortgage, and Financial Freedom's Cash Account.The Reverse Mortgage Handbook includes terminology and the process related to reverse mortgages. This book focuses on: available products, eligibility requirements, fund disbursement options, consumer safeguards, and related costs.
Book Synopsis Understanding Reverse - 2021 by : Dan Hultquist
Download or read book Understanding Reverse - 2021 written by Dan Hultquist and published by . This book was released on 2020-12-06 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is a reverse mortgage? Is it more than a loan program for those who are "house-rich, but cash poor?" How does the "non-recourse feature" protect homeowners and their heirs? Can the available line of credit and its growth rate be used for insurance and financial planning purposes?This book answers these questions and many more in a user-friendly way and is the most comprehensive educational tool available on reverse mortgages. It should be read by baby boomers, retirees, heirs, financial planners, housing counselors, HECM counselors, Realtors(R), brokers, financial journalists, mortgage professionals, estate planners, and of course all homeowners who want greater assurance that they can comfortably grow older in their own homes.
Book Synopsis The Complete Guide to Reverse Mortgages by : Tammy Kraemer
Download or read book The Complete Guide to Reverse Mortgages written by Tammy Kraemer and published by Simon and Schuster. This book was released on 2007-08-01 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get the most from your home! Until recently, there were only two main ways you could get cash from your home: sell it or borrow against it and make monthly loan repayments. Reverse mortgages offer a third way of getting money from your home. If you are a homeowner, age 62 and older, you are eligible to apply for a reverse mortgage loan that converts your home equity into a tax-free income. With The Complete Guide to Reverse Mortgages, you’ll learn all you need to know to earn the supplemental income you need, without worrying about: • Having to sell your home • Giving up your title • Taking on a new monthly mortgage payment This invaluable guide explains everything you need to know about reverse mortgages and how to use them to your advantage. With practicing attorneys Tammy Kraemer and Tyler Kraemer leading the way, you will learn the step-by-step process to getting a reverse mortgage and making the best of your retirement!
