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反向抵押贷款

一家人拿着存钱罐

把你的权益转化为退休收入.

Reverse mortgages allow borrowers to convert the equity in their home into cash that is usually tax-free without the need for monthly mortgage payments. 反向抵押贷款, the loan is taken out against a senior’s home equity and repaid in one lump sum when the borrower leaves the home. The loan does require that borrowers continue to make payments on property taxes, 保险, 及维修费用(例如:HOA费用, if applicable) but can help seniors gain financial independence from an increase in living expenses.

现在就开始

Receive money from your home equity that is usually tax-free.

Payments are made to you from your accumulated property equity, 哪些可以提高和延长你的退休时间. You have options on how to receive this money: lump sum, line of credit, or monthly payments. 请注意, a line of credit may allow you to pay down the line if you want to have less cash and an increase in equity.

Delay Social Security payments and increase monthly income.

Reverse mortgages can allow you to delay taking money out of your IRA and avoid penalties and/or taxes because 收入不计入你的收入. If you haven’t drawn from your Social Security account yet, you should consider discussing this option with a tax advisor or financial planner.

The opportunity to eliminate monthly mortgage payments.

Reverse mortgages remove the requirement that you pay monthly payments during your lifetime as long as you live in your home, pay taxes and 保险, and maintain the home by paying HOA fees, if applicable.

在62岁到65岁之间缩小医疗保险的差距.

Some borrowers feel the need to delay retirement until age 65 because they cannot afford their own health 在医疗保险生效之前. But a reverse mortgage can help you avoid paying income tax on money drawn from your IRA or other accounts to help you keep your retirement plan in place without diminishing your current 资产.*

永远不要欠债超过房子的价值.

Reverse mortgages can allow you to delay taking money out of your IRA and avoid penalties and/or taxes because 收入不计入你的收入. If you haven’t drawn from your Social Security account yet, you should consider discussing this option with a tax advisor or financial planner.

支付长期护理费用的能力.

A reverse mortgage may provide proceeds which can be used to purchase expensive but necessary long-term care 保险 without losing your home in the process.

房子在日落时分
Couldn't have asked for a better team looking out for our best interest and answering questions for us. 他们是最好的!
——艾米W.

资格检查

To be eligible for a reverse mortgage, borrowers must:

  • 62岁或以上
  • 拥有自己的房子并拥有产权
  • Live in the home as a primary residence (6+ months per year)
  • Live in a single-family home, 2- to 4-unit dwelling, or an FHA-approved condo
  • Have adequate funds for a down payment, if purchasing a new home**
  • Have the ability to pay taxes and 保险, though no specific credit score requirements exist

反向抵押贷款的类型

If a reverse mortgage sounds right for you, there are a few types to consider. A certified reverse mortgage specialist can help you select the one best for you.

专有的反向抵押贷款

These are private loans backed by the companies who develop them.

房屋净值转换按揭贷款

These are federally-insured loans back by the US Department of Housing and Urban Development (HUD) and enable you to withdraw home equity for use on any purpose. The amount you can borrow with a HECM reverse mortgage depends on factors like age, 类型的抵押贷款, 房屋评估价值, 目前的利率, and financial assessment of your ability to pay taxes and 保险.

Home Equity Conversion Mortgage for Purchase (H4P)

These are a sub-type of the HECM option backed by the FHA that enables seniors to purchase a new primary residence and obtain a reverse mortgage all in one transaction. An H4P may be right for you if you are able to use cash on hand to pay the difference between the HECM proceeds and the sale price plus closing costs of your new purchase. While not available in all areas, an H4P may allow you to:

  • 建立一个新的自定义家
  • 搬到离朋友和家人更近的地方
  • 在老年人生活社区购买一套住房
  • 缩小到一个更小的房子
  • Purchase a primary residence more suitable for your needs
  • Purchase a new home with better accessibility and modern amenities