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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.

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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?

Like | Dislike | Share | Posted: Sat, 08/16/2008 - 07:54 | Post subject:

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.

Like | Dislike | Share | Posted: Mon, 08/18/2008 - 04:44 | Post subject:

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

Like | Dislike | Share | Posted: Mon, 09/15/2008 - 15:37 | Post subject:

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?

Like | Dislike | Share | Posted: Tue, 09/16/2008 - 05:57 | Post subject:

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

Like | Dislike | Share | Posted: Mon, 09/29/2008 - 03:29 | Post subject:

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?

Like | Dislike | Share | Posted: Sun, 09/28/2008 - 20:39 | Post subject:

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?

Like | Dislike | Share | Posted: Sun, 09/28/2008 - 20:41 | Post subject:

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].

Like | Dislike | Share | Posted: Sat, 10/18/2008 - 08:41 | Post subject:

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.

Like | Dislike | Share | Posted: Mon, 10/20/2008 - 03:57 | Post subject:

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?

Like | Dislike | Share | Posted: Thu, 02/26/2009 - 13:18 | Post subject:

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

Like | Dislike | Share | Posted: Thu, 02/26/2009 - 13:23 | Post subject:

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

Like | Dislike | Share | Posted: Fri, 02/27/2009 - 03:44 | Post subject:

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?

Like | Dislike | Share | Posted: Tue, 03/03/2009 - 08:40 | Post subject:

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.

Like | Dislike | Share | Posted: Tue, 03/03/2009 - 12:10 | Post subject:

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.

Like | Dislike | Share | Posted: Tue, 03/03/2009 - 13:08 | Post subject:

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.

Like | Dislike | Share | Posted: Tue, 03/03/2009 - 13:52 | Post subject:

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.

Like | Dislike | Share | Posted: Tue, 03/03/2009 - 16:14 | Post subject:

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?

Like | Dislike | Share | Posted: Thu, 03/05/2009 - 10:11 | Post subject:

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.

Like | Dislike | Share | Posted: Thu, 03/05/2009 - 11:03 | Post subject:

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?

Like | Dislike | Share | Posted: Sun, 03/15/2009 - 07:01 | Post subject:

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

Like | Dislike | Share | Posted: Sun, 03/15/2009 - 22:01 | Post subject:

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?

Like | Dislike | Share | Posted: Fri, 03/27/2009 - 08:31 | Post subject:

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.

Like | Dislike | Share | Posted: Fri, 03/27/2009 - 08:32 | Post subject:

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?

Like | Dislike | Share | Posted: Sat, 03/28/2009 - 11:25 | Post subject:

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.

Like | Dislike | Share | Posted: Sun, 03/29/2009 - 23:17 | Post subject:

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?

Like | Dislike | Share | Posted: Fri, 04/03/2009 - 07:35 | Post subject:

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.

Like | Dislike | Share | Posted: Fri, 04/03/2009 - 11:37 | Post subject:

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

Like | Dislike | Share | Posted: Wed, 04/08/2009 - 16:50 | Post subject:

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.

Like | Dislike | Share | Posted: Thu, 04/09/2009 - 04:29 | Post subject:

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.

Like | Dislike | Share | Posted: Sun, 04/12/2009 - 14:29 | Post subject:

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.

Like | Dislike | Share | Posted: Tue, 04/14/2009 - 00:18 | Post subject:

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.

Like | Dislike | Share | Posted: Tue, 04/14/2009 - 09:39 | Post subject:

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?

Like | Dislike | Share | Posted: Fri, 04/24/2009 - 07:09 | Post subject:

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.

Like | Dislike | Share | Posted: Fri, 04/24/2009 - 08:38 | Post subject:

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

Like | Dislike | Share | Posted: Wed, 05/06/2009 - 20:27 | Post subject:

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

Like | Dislike | Share | Posted: Fri, 05/08/2009 - 05:20 | Post subject:

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?

Like | Dislike | Share | Posted: Fri, 05/08/2009 - 10:11 | Post subject:

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.

Like | Dislike | Share | Posted: Sat, 05/09/2009 - 04:39 | Post subject:

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.

Like | Dislike | Share | Posted: Sat, 05/09/2009 - 07:19 | Post subject:

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?

Like | Dislike | Share | Posted: Wed, 06/24/2009 - 08:55 | Post subject:

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.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:02 | Post subject:

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.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:11 | Post subject:

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

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

Yes, and it can be anytime, not just monthly. The only guideline is the payment must be at least $100.00.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:16 | Post subject:

raymond's picture
raymond | Joined: July 3, 2009 09:38 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?

It works exactly like a traditional mortgage in this area - all of it has to be repaid as a lump sum.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:19 | Post subject:

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

>>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].

Yes, it works exactly like a traditional mortgage in this sense. However, if she were my client I'd advise her to pay it all back except 1 dollar. That'll keep the Reverse Mortgage open forever, and she'll only have to pay pennies to keep it open. That way, if she were to need a Reverse Mortgage in the future, she wouldn't have to pay all those high fees again.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:22 | Post subject:

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

>>She should look if there is a pre=payment penalty attached with the mortgage.

Good suggestion! Fortunately, Reverse Mortgages don't have pre-payment penalties.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:27 | Post subject:

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

>>The way it was worded to me: the three of us have the title but the reverse mortgage is in her name.

Only people 62 or older are allowed to be on Title - no exceptions. With my loans, the homeowners who are currently on Title and younger then 62 would be at the final signing table and sign a [url=http://www.mortgagefit.com/quitclaim-deed.html]quit claim deed[/url] immediately before the loan documents are signed.

Also, everyone currently on Title must attend HUD's mandatory Reverse Mortgage Couseling session, and must sign the counseling certificate.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:38 | Post subject:

raymond's picture
raymond | Joined: July 3, 2009 09:38 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?

Yes, a Reverse Mortgage works exactly like a traditional mortgage in this sense. If you have a FHA-insured Reverse Mortgage program, it's called a HECM to HECM [url=http://www.mortgagefit.com/refinance.html]refinance[/url], and the fees are lower because the insurance is prorated.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:41 | Post subject:

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

>>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.

The Lenders never allow this because they'd lose everytime. It's a negative amoritzation, non-recourse loan without a monthly payment - in addition to no structure existing for the heirs to make a monthly payment, the lender would loose because of the non-recourse nature of the program.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 13:56 | Post subject:

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

>>she is over 65 and my question is what would happen to our house when she dies if we go with a reverse mortgage?

You'll have to pay off the Reverse Mortgage to keep the house. If you're going to do this route, the proper way to do it is by the Title Holder leaving you Title via a Living Trust. That'll avoid Probate and make the Title transition easier. Also have her get a life insurance policy that leaves you with enough cash to pay back the Reverse Mortgage Lender when she passes. That'll make that process easier on you. Another way is via a Life Estate. The property becomes yours after she passes, but you've still got to pay the Reverse Mortgage lender back.

Like | Dislike | Share | Posted: Fri, 07/03/2009 - 14:02 | Post subject:

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