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Author : Canadian Centre for Elder Law Studies
Publisher :
ISBN 13 :
Total Pages : 52 pages
Book Rating : 4.F/5 ( download)
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:
Author : Shelley Giordano MA
Publisher :
ISBN 13 : 9781781333600
Total Pages : 258 pages
Book Rating : 4.3/5 (336 download)
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.
Author : United States. Department of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 240 pages
Book Rating : 4.:/5 (318 download)
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:
Author :
Publisher :
ISBN 13 :
Total Pages : 42 pages
Book Rating : 4.:/5 (421 download)
Download or read book Report on Reverse Mortgages written by and published by . This book was released on 2006 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Wade Donald Pfau
Publisher : McLean Asset Management Corporation
ISBN 13 : 9781945640049
Total Pages : 156 pages
Book Rating : 4.6/5 (4 download)
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.
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)
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:
Author :
Publisher : DIANE Publishing
ISBN 13 : 1437985319
Total Pages : 42 pages
Book Rating : 4.4/5 (379 download)
Download or read book Reversing the Trend: The Recent Expansion of the Reverse Mortgage Market written by and published by DIANE Publishing. This book was released on with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Dept. of Housing and Urban Development
Publisher :
ISBN 13 :
Total Pages : 792 pages
Book Rating : 4.3/5 ( download)
Download or read book Administration of Insured Home Mortgages written by United States. Dept. of Housing and Urban Development and published by . This book was released on 1994 with total page 792 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Sophie Roussin
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.:/5 (727 download)
Download or read book The Reverse Mortgage written by Sophie Roussin and published by . This book was released on 2007 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Appearing nearly four decades ago in Great Britain, the reverse mortgage began to gain popularity during the 1970s before crossing the Atlantic in the 1980s. Once considered a minor financial product, today the needs of an aging population ensure the growing success of the reverse mortgage loan. A reverse loan permits a resident owner to mortgage a portion of the net value of his property in order to increase his revenue, or, as CHIP (the Canadian Home Income Plan Corporation), a Canadian business specializing in reverse mortgages puts it, to free up the value of a home and convert it to dollars. The reverse mortgage loan is currently available in numerous countries, notably the U.S., Great Britain, Australia and Canada, where it is attracting more and more consumers.
Author : United States Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781976198779
Total Pages : 54 pages
Book Rating : 4.1/5 (987 download)
Download or read book Reverse Mortgages written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-08 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reverse mortgages-a type of loan against home equity available to seniors-are growing in popularity. A large majority of reverse mortgages are insured by the Department of Housing and Urban Development (HUD) under its Home Equity Conversion Mortgage (HECM) program. The Housing and Economic Recovery Act of 2008 (HERA) made several modifications to the HECM program, including changes in how origination fees are calculated and an increase in the loan limit. The Act directed GAO to examine (1) how these changes have affected lenders' plans to offer reverse mortgages, (2) how the changes will affect borrowers, and (3) actions HUD has taken to evaluate the financial performance of the HECM program. To address these objectives, GAO surveyed a representative sample of HECM lenders, analyzed loan-level HECM data, and reviewed HUD estimates and analysis of HECM program costs. GAO makes no recommendations in this report. HUD concurred with the
Author : Vishaal B. Bhuyan
Publisher : John Wiley & Sons
ISBN 13 : 1118241738
Total Pages : 225 pages
Book Rating : 4.1/5 (182 download)
Download or read book AARP Reverse Mortgages and Linked Securities written by Vishaal B. Bhuyan and published by John Wiley & Sons. This book was released on 2011-12-19 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: AARP Digital Editions offer you practical tips, proven solutions, and expert guidance. 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.
Author : Mike Roberts
Publisher :
ISBN 13 :
Total Pages : 116 pages
Book Rating : 4.6/5 (484 download)
Download or read book The Reverse Mortgage Revealed written by Mike Roberts and published by . This book was released on 2020-05-30 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: Updated for 2021! The reverse mortgage is a fantastic financial tool, but it's not the perfect solution for everybody. Is it right (or wrong) for you? Author Mike Roberts is the founder of MyHECM.com and a successful veteran of the reverse mortgage industry. Writing in plain language, Roberts cuts through all the nonsense, rumors, and hype you may have heard about reverse mortgages. There are no sales pitches here! You'll get the inside scoop about how a reverse mortgage really works. Well-written and packed with insider info and insights The Reverse Mortgage Revealed is well-written, easy to understand, and jam packed with information and insights that only an experienced industry professional can offer. You'll discover: How a reverse mortgage really works. Who should (and shouldn't) get a reverse mortgage. Common myths and misconceptions. Little-known insider tips and tricks the lenders don't tell you (and you probably won't learn anywhere else). How to increase your payout and reduce closing costs (this alone is worth the cost of the book). What payout options are available and how they work. What pitfalls to avoid. Why some applicants get approved and some don't. How to finance a home purchase without a mortgage payment (yes, this is for real!). What to expect during the application, approval, and closing process. This book also includes detailed case studies based on real-life scenarios that tie key concepts and terms together. You'll see for yourself how a reverse mortgage can be used to live a more enjoyable and financially secure retirement. Grab your copy now! You've found the reverse mortgage book you're looking for! Grab your copy now and get the inside scoop on how a reverse mortgage really works. About the author Mike Roberts is a blogger, author, and veteran of the reverse mortgage industry. Roberts is also the founder of MyHECM.com, a leading online resource for seniors, their families, and their advisers to learn about the reverse mortgage. Roberts has over a decade of mortgage lending experience and has helped hundreds of seniors get reverse mortgages. P.S. Still not sure this is the reverse mortgage book for you? Click the cover image at left and read an excerpt of the book for yourself. You'll see that it's well-written, high quality, and full of fantastic insider information.
Author : Matthew J. Scire
Publisher : DIANE Publishing
ISBN 13 : 143791859X
Total Pages : 80 pages
Book Rating : 4.4/5 (379 download)
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.
Author : Harlan J Accola
Publisher :
ISBN 13 : 9780692044964
Total Pages : 124 pages
Book Rating : 4.0/5 (449 download)
Download or read book Home Equity and Reverse Mortgages written by Harlan J Accola and published by . This book was released on 2018-01-05 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: In this unorthodox retirement book, Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement, Harlan J. Accola is frank about the current state of retirement planning. As baby boomers reach the prime of their lives, they find themselves faced with new challenges. Ten thousand baby boomers retire per day, but there simply is not enough money to go around. If you want to have a fun and prosperous retirement, you are going to have to get creative. This is not your father's-- or your grandfather's retirement! Creative doesn't mean foolish- but it does mean different than what you have been thinking and what you have been told by conventional wisdom. This book is counterintuitive. The advice that Accola offers is guidance gleaned from over twenty years in the industry and collaboration with several financial planning experts and researchers referred to liberally throughout the book. The clear conclusion of the overwhelming evidence in the research shows that most people should get a reverse mortgage as soon as they are eligible at age 62- not 82 or 92 when they run out of money. Accola also understands the psychological barrier that arises when the reader hears the term "reverse mortgage." He asks, "If what you thought you knew about home equity and reverse mortgages was wrong, when would you want to know?" He warns that the longer it takes you or your family to find the truth, the more dangerous it is. He attests to the stability and efficiency of a reverse mortgage and teaches the reader how to safely and profitably use one of the largest assets you have stored in your net worth- home equity. Accola covers the following in the entertaining Cinderella fairy tale format: The scary landscape ahead for millions of unsuspecting Baby Boomers The basics of creating liquidity from your home equity The psychology behind accepting or rejecting reverse mortgages The importance of planning ahead and buying an umbrella before it starts to rain. Real and immediate action steps that will help you get the most out of your retirement In this easy-to-understand and fun guide, Accola presents step by step how to properly use home equity so you can enjoy the fourth quarter of your life and still leave a planned legacy for the next generation.
Author : Dan Hultquist
Publisher : Independently Published
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.8/5 (781 download)
Download or read book Understanding Reverse written by Dan Hultquist and published by Independently Published. This book was released on 2024-02 with total page 0 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.
Author : Mathew J. Scire
Publisher : DIANE Publishing
ISBN 13 : 1437920098
Total Pages : 54 pages
Book Rating : 4.4/5 (379 download)
Download or read book Revere Mortgages written by Mathew J. Scire and published by DIANE Publishing. This book was released on 2010-02 with total page 54 pages. Available in PDF, EPUB and Kindle. Book excerpt: Reverse mortgages -- a type of loan against home equity available to seniors ¿ are growing in popularity. A large majority of reverse mortgages are insured by HUD under its Home Equity Conversion Mortgage (HECM) program. The Housing and Economic Recovery Act of 2008 made several modifications to the HECM program, including changes in how origination fees are calculated and an increase in the loan limit. This report examines: (1) how these changes have affected lenders¿ plans to offer reverse mortgages; (2) how the changes will affect borrowers; and (3) actions HUD has taken to evaluate the financial performance of the HECM program. Includes recommendations. Charts and tables.
Author : Sarah Glendon Lyons
Publisher : John Wiley & Sons
ISBN 13 : 1118070089
Total Pages : 290 pages
Book Rating : 4.1/5 (18 download)
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.
