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When to pay back reverse mortgages

Reverse mortgages are payable only when the last surviving borrower dies, sells the property, permanently moves out or when he reaches the end of the loan period. A permanent move is implied when you, the co-borrower, or a qualifying relative has occupied the home for at least 1 year. If you die, the lender will not be able to take the title if your heirs can repay the loan.

When the loan may be in default

The loan will be in default if:

  • You or the co-borrower have filed bankruptcy.
  • The borrower donates or abandons the home
  • You haven't paid property taxes
  • You haven't maintained your home or paid for repairs
  • Your home is no longer insured

Moreover, if the loan has an acceleration clause , the lender may require you to pay down the mortgage if:

  • A co-owner has been added to the property title
  • You have rented out the property to a non-relative
  • You have taken a new loan on your home
  • You have changed the property's zoning classification

Make sure you check the loan documents so you know what situations will cause your loan to default and your repayments to accelerate.

Related Articles
Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My parent has a reverse mortgage. Her mobility is becoming very limited but not to the point of being put into a home. She does however desire to move to an apartment based on her income but with the house, she does not qualify. She would like to sell the house (and of course pay back the loan) but that would also considered funds which would cause her not to qualify. Can the house be put in my name, and the house be put on the market to sell (and repay loan)? That way, my mother will not show any assets from the house.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

House can be put to your name through [url=http://www.mortgagefit.com/quitclaim-deed.html]quit claim deed[/url] and once that is done you can easily sell the house.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thank you for such rapid response. Would I need a lawyer for a quit claim deed?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

You can consult an attorney for that.

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Samantha's picture
Samantha | Joined: September 16, 2005 11:59 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Saundra,

Welcome to MortgageFit Forums.

I would like to know the problem that your mother is facing with the current mortgage. Since, she already has a reverse mortgage which needs not to be paid back during her lifetime, why is she thinking of getting rid of it?

As per the financial condition that you mentioned, I don't think it will be a wise decision for her to move out of the mortgage at this point of time.

If the financial condition improves somehow and other conditions satisfy, then she can make a change.

The house can't be transferred to you with the reverse mortgage due on it and the mortgage is not transferable to you.

She has to repay the loan first if she wants to change the title. You may talk to your lender for a suggestion. If you want my suggestion, then I would stress on continuing with the loan now.

God bless you.

For MortgageFit,
Samantha

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My grandmother currently has a reverse mortgage. My question is; who exactly are considered heirs? My grandmother has 3 surviving children, none of which would ever qualify to take over the loan in the event of her death. One is on disablility, one is on drugs and the other has no (if ever) employment abd basically does home health care. I would hate to she the government take her home which she owes less than 100,000 and resell it for a huge profit. As her grandaughter what can I do?

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Caron's picture
Caron | Joined: July 19, 2005 08:37 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Tracy,

Welcome to the Forums.

In a reverse mortgage, the term 'heirs' indicate those who will inherit the property after your grandmother as stated in the will. What you can do is ask your grandmother to talk to the lender if he will allow her children to take over the responsibility of paying the mortgage.

Since the children are disabled, drug addict and unemployed, I guess the lender may not accept the proposal. In that case, if your grandmother can transfer her property title in your name, then after she dies you can take over the responsibility of the mortgage. But your grandmother needs to discuss this with her lender.

Thanks,

Caron.

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi,

I think you should sort it out with the lender. You may be allowed to pay the mortgage when your grandmother is no more. But I guess she's doing well, isn't it? So, don't worry, just talk to the lender and know about the process.

For more details on reverse mortgage, please read this section.

Thanks,
Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my husband and I live in a house that we got finacial help on. we live in it her name is just on the deed and the loan. she is over 65 and my question is what would happen to our house when she dies if we go with a reverse mortgage?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello.

The Reverse Mortgage is only payable when the last surviving borrower dies. The heirs can also pay back the reverse mortgage.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

what is the loan limit in Giles county virginia

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sara's picture
sara | Joined: July 5, 2006 03:16 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi person,

Are you asking for FHA reverse mortgage loan limit in Giles county virginia?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Both my parents just died. they had a reverse mortgage for 5 yrs. There are 6 adult heirs. Must the money be repaid in a lump sum, or can we pay back monthly? We don't want to loose the house, nor can anyone afford a mortgage to repay this?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Both my parents just died. they had a reverse mortgage for 5 yrs. There are 6 adult heirs. Must the money be repaid in a lump sum, or can we pay back monthly? We don't want to loose the house, nor can anyone afford a mortgage to repay this?

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi susan!

I think you will be able to pay back the money on a monthly basis. But still I will recommend you to consult the lender and your legal adviser.

Thanks,

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

A few years ago my Mother got a reversed mortgage on her home. She now has the money she needed back then. Is it possible for her to pay back the money she received and get out of the [url=http://www.mortgagefit.com/second-mortgage.html]second mortgage[/url].

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Jd!

She should look if there is a pre=payment penalty attached with the mortgage. If no then she can pay off the mortgage right away.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My home mortgage is in my Mother's name and she died unexpectidly. What do I do to keep my home?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

What to do when Mother dies and home is in her name

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Cindy,

If your mother died having left a will, the property will go through probate. But if there's no will, you need to file an Affidavit of Heirship with a probate court so your mother's name is removed and you become the owner of the house. Once the title has been changed in your name, you can [url=http://www.mortgagefit.com/refinance.html]refinance[/url] it in your name.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My husband and I are on the title of his mother's house. The house is paid off and she would like to get a reverse mortgage. For other reasons- I am considering divorcing my husband. Should I take my name off the title before they do a reverse mortgage? How will this impact my credit if my name stays on the title. Can I force a sale when their is a reverse mortgage to get my share of the estate?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

wow

so you want to be sure you get your share of your mother in law's estate? shoot her now, why don't you?

if you and your husband are owners of a home on which his mom is trying to get a reverse mortgage, i'm doubtful that a lender can make the transaction work. that is, unless you and he are at least 62 years of age.

i hate to be so direct in my response, but your closing certainly doesn't show a whole lot of heart.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I should have clarified- My husband and I have been paying off her $ 50,000 debt for the past few years. Debt she incurred by stealing his SS# and purchasing unnecessary items (shopaholic). We weren't aware of said debt until we purchased a home together. Obviously we weren't prosecuting but we almost lost the house we were purchasing. That is the only reason why I'm interested in the estate- I would like to get that money back (Also, I am the one that paid for most of her debt). I'm not heartless. I just don't feel his mother should be my responsibility especially if we divorce. Make sense? I don't want half or anything- I just want what is owed to me.
The three of us are on the title but she has lived there for 5 years. My concern is the three of us on the title- more debt in my name (being another type of mortagage). Is it just worth it to let the whole title go and most likely not be reinbursed for the debt I paid in her name or hold on to the house even though it will show on my credit? And yes- they are giving her a reverse mortgage because she spent more than four years in the house and is on the title with us. However, I have to sign off on it. The question: do I sign or just take my name off the title? Also, she has no other income.

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i truly cant answer the question of whether it's worth letting the "whole title go" as you said. that's a decision you'd need to make.

what i'm missing is how a lender can provide a reverse mortgage to anyone on title who is less than 62 years of age. that would be a major stumbling block - you may want to check into the validity of what's taking place (fraud abounds in the united states). as for appearing on your credit, if you are going to be a borrower; then yes, it will appear. you will "sign off on it." is that the note?
honestly, i can't answer your question about whether you should or you shouldn't. there's a whole lot here that i've got no business thinking about (the divorce, the shopaholic thing), and all those things would certainly have to be in your mind when you make a final decision.

let's just pray you make the right decision, whatever that may be.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I'll continue researching the lender. The way it was worded to me: the three of us have the title but the reverse mortgage is in her name.
In the end I may just take my name off the title. No benefit but no detriment either.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My husband had a summer home which was deeded to both of us years after the marriage. He wants his 2 children to inherit the property when he dies. He now wants to reverse mortgage. I understand I have to do a [url=http://www.mortgagefit.com/quitclaim-deed.html]quit deed[/url] in order for this to happen. Who gets the property and who is responsible for repaying the loan?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

if you quit claim your interest in the property to him, you relinquish all of your rights to the property. if he then gets a reverse mortgage, the lender will provide him with either a lump sum payout or monthly payments, which would be income for him. reverse mortgages are payable on death or at the time of a sale. no repayment is necessary during the life of the loan itself.

as for "who gets the property" - once you sign a [url=http://www.mortgagefit.com/quitclaim-deed.html]quit claim deed[/url] you're out of the picture. whatever his estate reflects would become the reality.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my father has passed away and has a reverse mortgage, if we let it go to foreclousre will it hurt us kids credit?

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi joni,

As the property and the reverse mortgage was in your father's name, I don't think your credit will affected if the property goes into foreclosure.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Can you sell your home with a reverse mortgage on it?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

yes...the loan would simply be paid off at the time of sale.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

How can you make monthly payments on your reverse mortgage to pay down the debt?

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome vickie,

As far as I know, once you no longer live in your house or if you sell your home, then you or your estate will repay the mortgage along with the interest and closing costs. If you want to start paying off the debts now, you need to contact your lender and discuss your options.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

If someone gets a reverse mortgage based on the current value of their home and has it for 10 years, is it possible to pay it off and get a new reverse mortgage based on the increased value of your home?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

that sounds reasonable, elle...if i get a chance to check into it, and find out for certain, i'll keep you posted.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

what if your house sells for more than you recieve from the reverse mortg

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi

If your house sells for more than the reverse mortgage amount owed on the property, the reverse mortgage including interests and closing costs will be paid off first and the excess money will go to you or your heirs.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My wife's dad passed away 1 1/2 years ago and he had a reverse mortgage. We faxed over the death certificate to the reverse mortgage companygiving them full rights to the property since it is worth less money now. Then about 8 months ago we faxed to Bank Of America her dad's death certificate stating he had a reverse mortgage and we do not want the house. Now in the mail we receive an attorney's letter that they are suing the family for the money owed. The only name on the title was her dad's name. He had no money in his estate. How can we be repsonsible or is this something they have to do before foreclosure.
What do we do? I appreciate your help.

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jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi excitingguy,

If your father in law is the only person on the title and he had a reverse mortgage on the property, upon his death the property would be sold to pay off the reverse mortgage. If there is any excess amount that would go to the heirs. But there is no way the heirs could be held responsible for the deficient amount arising out of the sale of the property. Thus I think this is just a routine process before they foreclose on the property. However, you can always consult an attorney if you have any doubts.

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i'm not sure just how "routine" this is, but you need not be held at fault for a debt that your now-deceased father in law incurred on his own, using his own property as collateral.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

What speciifically needs to be paid back?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

mustang, what would need to be paid off is the mortgage - the amount of money advanced to whoever is the borrower.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

If an adult child lives with a parent in a home on which there is a Reverse Mortgage, and the parent dies, must the adult child move or pay off the Reverse Mortgage

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Janet,

If there is a reverse mortgage on a property and the parents die, the mortgage has to be paid by the their children living in the property. If they cannot afford to pay off the debt, the lender will sell off the property to satisfy the reverse mortgage amount.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My mom passed away in March and she had a reverse mortgage. Because of the market, her home is worth less than what the payoff is so we decided to just let the lender take it back. The executor of her accounts is not releasing any funds from her estate because he is telling us that the mortgage company is forcing him to leave on utilities until they are finished with their inspections. He says we are looking at another 2 - 3 months at least. Does this sound right?

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi

I don't think the lender has any right to force on the executor of your mom's account. To recover the reverse mortgage money, the lender will simply sell off the property and even if there arises any deficiency, the heirs cannot be held responsible for that. I don't understand on what ground they are forcing the executor and what's the logic behind it.

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dilipgagare's picture
dilipgagare | Joined: March 26, 2009 04:41 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

A reverse mortgage is a loan product that allows homeowners 62 years of age and older to use their equity to generate tax-free income, without having to sell the home or take on a new mortgage payment.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My parents just told us that they have a reverse mortgage, after doing much reading the one question I have I can't find an answer for. What happens whent the time comes to sell the home and there isn't enough money from the sale of the home to repay the loan? Who is responsible for the difference?

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raymond's picture
raymond | Joined: July 3, 2009 09:38 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

>>What happens when the time comes to sell the home and there isn't enough money from the sale of the home to repay the loan? Who is responsible for the difference?

If it's a HECM (Home Equity Conversion Mortgage), HUD will pick up the difference - that's what the insurance is for. Neither the homeowners or heirs are obligated.

If it's a Proprietary Reverse Mortgage (commonly referred to as Jumbo Reverse Mortgage), the Lender is resonsbile for the difference. That's why Jumbo's have a higher interest rate then HECM's.

That's referred to as non-recourse. All Reverse Mortgages are non-recourse loans.

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raymond's picture
raymond | Joined: July 3, 2009 09:38 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

>>he is telling us that the mortgage company is forcing him to leave on utilities until they are finished with their inspections. He says we are looking at another 2 - 3 months at least. Does this sound right?

No, it doesn't sound right. Call the Lender yourself and ask. Ask to speak to a customer service representative. You'll find the phone number on the monthly statement. Or call the Lender's main number and ask for the Customer Service department.

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