Reverse mortgages still carry a reputation from the early 2000s. But the product people are afraid of isn’t the product that exists today. A HECM is an FHA-insured reverse mortgage for homeowners 62 and older. You keep title to your home. The lender has a lien, just like any other mortgage. The loan is non-recourse, which means you or your heirs will never owe more than the home’s value. HUD requires independent counseling before closing. Non-borrowing spouses are protected. The myths are louder
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