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media:description>Unlike a conventional forward mortgage where you’re making a monthly principal and interest payment to pay down your loan balance, with a reverse mortgage, you’re not making a mortgage payment. Instead, your mortgage balance and the interest is simply paid when you sell or refinance.
You still own your home and any increase in value is yours and your heirs. All Without making a mortgage payment.
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media:description>A lot of people think a reverse mortgage is used as a last resort. These days, more people are getting them earlier just to have in place as a safety net, or even using them to strengthen their retirement portfolio. #reversemortgage #reversemortgagegroup #whatisareversemortgage #fha #seniorhomeloan #homeloan #homeloanforseniors #homeequity #heloc #bestreversemortgagecompany #reversemortgagenearme #retirement #retirementplanning #retirementstrategy #reversemortgagecompanies #reversemortgagebasics #reversemortgagelender #enhanceretirement #strengthenretirement/media:description>
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name>Reverse Mortgage Group/name>
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media:description>What are the top 10 reasons why a senior would get a reverse mortgage?
1. Budget breathing room/peace of mind. 2. Enhance lifestyle. 3. Home improvement or modifications to age in place. 4. Debt consolidation. 5. Purchase a new home. 6. Fund gifts to heirs. 7. Supplement retirement income. 8. Pay for medical expenses. 9. Cover property taxes and insurance. 10. Delay social security benefits. (article by Michael G. Branson)
There are hundreds of reasons why, but the primary reason is to eliminate your monthly mortgage payment and increase monthly cash flow. But you can also pull cash out. These funds can be used for anything, from home improvement projects to luxurious vacations and anything in between.
Reverse Mortgage Group powered by NEXA Mortgage, LLC.
#reversemortgage #reversemortgagegroup #fha #seniorhomeloans #budget #lifestyle #homeimprovement #debtconsolidation #purchasenewhome #downsize #giftfunds #howtopayformedicalexpenses #medicalexpenses #socialsecurityretirement/media:description>
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title>WHO Can Get a Reverse Mortgage? (Who Would Benefit From A Reverse Mortgage?)/title>
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name>Reverse Mortgage Group/name>
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media:title>WHO Can Get a Reverse Mortgage? (Who Would Benefit From A Reverse Mortgage?)/media:title>
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media:description>Any homeowner who is at least 62-year-old and has enough equity, is likely eligible for a reverse mortgage. The older you are and the more equity you have, the more cash you have access to. Having access to cash without creating a mortgage payment is a benefit to many who are living on a fixed income. Typical issues like credit score, income, or assets are usually not a concern for qualification. #reversemortgage #reversemortgagegroup #fha #homeequity #hecm #homeequityconversionmortgage #seniorhomeloan #seniorliving #senior #retirement #retirementplanning #payingoffdebt #mortgage #bestreversemortgagecompanies #interestrates #heloc #cashflow #reversemortgagelenders #topreversemortgagecompanies/media:description>
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title>WHAT Is a Reverse Mortgage? (Simple Definition)/title>
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name>Reverse Mortgage Group/name>
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media:title>WHAT Is a Reverse Mortgage? (Simple Definition)/media:title>
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media:description>A reverse mortgage is an FHA loan, specific to homeowners who are 62 years or older. This senior home loan allows homeowners with enough equity to access a portion of their home's equity without creating a mortgage payment. There are different ways to access the funds, such as a lump sum at closing, or a growing line of credit, or even monthly distributions to the homeowner. Funds from a reverse mortgage can be used for any reason, such as paying off debt, home renovation projects, or even a vacation.
#reversemortgage #reversemortgagegroup #whatisareversemortgage #fha #seniorhomeloan #homeloan #homeloanforseniors #homeequity #heloc #bestreversemortgagecompany #reversemortgagenearme #retirement #retirementplanning #retirementstrategy #reversemortgagecompanies #reversemortgagebasics #reversemortgagelender/media:description>
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title>Adding A Reverse Mortgage In Retirement #retirementliving/title>
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name>Reverse Mortgage Group/name>
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media:description>If you’re looking for the best reverse mortgage company as part of your retirement planning, then you probably want to find one that celebrates with you. Seniors who are considering a reverse mortgage as part of their retirement strategy need someone who understands their goals, and is committed to helping them attain those goals. The Reverse Mortgage Group specializes in helping seniors tap into a portion of their home’s equity, to free up cash flow, complete a home renovation project, pay off debt, or even take a luxury vacation. We think it’s pretty exciting when a senior’s retirement is empowered with a reverse mortgage. Call us, let’s see if a reverse mortgage is right for you.
#reversemortgage #reversemortgagegroup #senior #retirementplanning #homeequity #seniorhomeloan #homeloan #fha #retirementstrategy #retirementplans #homerenovation #vacation #debtrelief #bulldog #snoringbulldog #funnypets #funnydogs #shorts/media:description>
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title>Senior Regrets (Travel More)/title>
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author>
name>Reverse Mortgage Group/name>
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media:description>Don’t get to the end of your life and have the same regrets that many seniors say they have. Karl Pillemer, a gerontologist at Cornell, interviewed 1700 seniors for two books he wrote, called ’30 Lessons for Living’ and ’30 Lessons for Loving’. When Karl asked interviewees what their greatest regrets were, not traveling early or often enough was the most popular answer. Similarly, the British Heart Foundation, in their research, also found that ‘not traveling enough’ was one of people’s biggest regrets.
The takeaway: Travel is one of the things most people dream about, but don’t do enough of. If you’re a senior, and not having enough money to take those dream vacations has been your excuse, you might want to listen in. Homeowners who are 62 or older that have enough equity, can tap into a portion of that money without creating a mortgage payment. That money can be used for anything, like taking that trip, buying that RV, inviting the entire family to Hawaii. It’s called a reverse mortgage. It’s an ingenious way to tap into a portion of your home’s equity without having a mortgage payment.
Maybe trading some of your home’s equity for life-long memories and experiences is worth it? I think there are a whole host of seniors who would tell you, YES…do it!!!
Call us for details…let’s get your planning and packing.
#reversemortgage #reversemortgagegroup #homeloan #homeequity #seniorhomeloans #retirementplanning #retirementmortgage #reversemortgagecompanies #bestreversemortgage #homeequityloan #travel #traveling #retirement #bestlife #familyvacation #rv #lifeisgood #life #lifestyle #mortgage #interestrates #fha #loanlimits #homeowner #homemodification #retirementplans #travelplans #seetheworld #america #travelamerica #noregrets #travelmore #familytrip #biggestregret/media:description>
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yt:channelId>UCA3X4a2ODJarmwaqNcq4Xog/yt:channelId>
title>Funding Your Home Improvement Projects With A Reverse Mortgage/title>
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name>Reverse Mortgage Group/name>
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published>2023-12-19T22:58:34+00:00/published>
updated>2024-05-28T12:33:46+00:00/updated>
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media:title>Funding Your Home Improvement Projects With A Reverse Mortgage/media:title>
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media:description>Home remodel and renovation projects are expensive. How do you pay for a new roof? Or an AC unit, or pool, or kitchen remodel? Typically, people will pull some of the equity from their home to finance some of these big-ticket items. A HELOC, or home equity line of credit is a popular choice for many, but it comes with qualification hurdles and a monthly loan payment. If you're 62 or older and have substantial equity in your home, then looking at a reverse mortgage for these types of projects could be great option. In this video we explain how a reverse mortgage works, and how you're able to pull cash from your home without creating a mortgage payment. We can help you unlock a portion of that equity that's trapped in your home for you to use however you'd like, without the burden of a monthly mortgage payment. #reversemortgage #reversemortgagegroup #bestreversemortgage #seniorhomeloans #home #homeloans #heloc #equity #homeequity #homeequityloan #homeowner #renovation #homerenovation #remodel #homeremodel #fha #reversemortgagecompanies #homeloansforseniors #retirement #pool #pooldesign #newroof #howmuchdoesanewroofcost #howmuchdoesapoolcost #puttinginapool #poolconstruction #twoloanguys #homeequitylineofcredit #cash/media:description>
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media:title>Using a Reverse Mortgage for Home Improvement. HELOC vs Reverse Mortgage, Which Is Better?/media:title>
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media:description>Home remodel and renovation projects are expensive. How do you pay for a new roof? Or an AC unit, or pool, or kitchen remodel? Typically, people will pull some of the equity from their home to finance some of these big-ticket items. A HELOC, or home equity line of credit is a popular choice for many, but it comes with qualification hurdles and a monthly loan payment. If you're 62 or older and have substantial equity in your home, then looking at a reverse mortgage for these types of projects could be great option. In this video we explain how a reverse mortgage works, and how you're able to pull cash from your home without creating a mortgage payment. We can help you unlock a portion of that equity that's trapped in your home for you to use however you'd like, without the burden of a monthly mortgage payment.
#reversemortgage #reversemortgagegroup #bestreversemortgage #seniorhomeloans #home #homeloans #heloc #equity #homeequity #homeequityloan #homeowner #renovation #homerenovation #remodel #homeremodel #fha #reversemortgagecompanies #homeloansforseniors #retirement #pool #pooldesign #newroof #howmuchdoesanewroofcost #howmuchdoesapoolcost #puttinginapool #poolconstruction #twoloanguys #homeequitylineofcredit #cash/media:description>
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media:description>* There are 75 million baby boomers in America.
* 2/3's of seniors to not qualify for a conventional mortgage.
* 62% of seniors do not have enough money to retire on.
* 4 out of 10 seventy year olds plan to downsize or rightsize.
* 83% of peoples wealth at retirement is tied up in home equity.
This is a huge segment of our population right now, and a majority of them cannot qualify for a standard conventional mortgage, which leads to the assumption they will need to pay all cash for their next home purchase. Very few people realize they can use a Reverse Mortgage to purchase a home if they are 62 or older...and still NOT have a mortgage payment!
And with home equity being at historic highs, many seniors have large amounts of cash to work with on their next purchase.
Combine all of this with the easier qualification threshold of a Reverse Mortgage:
*No FICO score requirements *No DTI requirements *No reserves *And very little income requirements, and that spells opportunity to help more people.
Even better, since 2013, the FED stepped in to create guidelines and safeguards that protect this segment. The Reverse Mortgages of the past were downright risky and shady...not any more!
So how does the math work? It's based on complex calculation of the borrowers age, home value, county loan limits, and so on. The 'so on' means we let the software program figure it out. Here's what a typical scenario could look like.
Let's assume the client is 72 years old and is purchasing a home for $700,000. Through the same calculations of age and home value, the maximum principal limit, or ‘reverse mortgage loan amount’ would be $313,700, which leaves a down payment requirement of $386,300. Then we add the standard closing costs along with the upfront FHA mortgage insurance and have a total of $404,330 cash to close requirement. So think of it this way, instead of your buyer having to come up with 100% of the purchase price, they’re only coming in with between 50-60% of the purchase price and the reverse mortgage covers the rest. To a senior on a fixed income, that is HUGE! In this scenario, your buyer is getting into the home they want and putting $295,670 in the bank…and still not having mortgage payment!
#reversemortgage #seniorhomeloans #homeloans #reversemortgagegroup #reverseforpurchase #homeloansforseniors #homeequity #buyingahome #nomortgage #nomortgagepayment #mortgage #loan #fha #reversemortgagecompanies #bestreversemortgage #downsizing #seniorhomeloans #retirement #retirementstrategies/media:description>
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Reverse Mortgage Group
1:: Ready for a Dream Vacation but don't have the money? #retirementliving #reversemortgage
21.06.2024 · 20:46:38 ··· 04.07.2024 · 02:58:44 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· If you’re 62 or older and need cash, we can help you access the money in your home without creating a mortgage payment. This cash can be used for any reason, and it's easy to qualify. Click the link below to see how much money you could access.
https://www.reversemortgagegroup.org/rmg-lp
#reversemortgage #homeequityloan #reversemortgagegroup #shorts #senior #vacation #travel #retirement #cashout #seniorhomeloan #mortgage #needcash
2:: Seniors and Motorhomes: A Great Way to See the Country
12.06.2024 · 19:08:39 ··· 04.07.2024 · 02:58:44 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· If you’re 62 or older and need cash, we can help you access the money in your home without creating a mortgage payment. This cash can be used for any reason, and it's easy to qualify. Click the link below to see how much money you could access.
https://www.reversemortgagegroup.org/rmg-lp
#reversemortgage #homeequityloan #reversemortgagegroup #shorts #senior #motorhome #travel #retirement #buyingamotorhome
3:: Motel vs Hotel #retirementliving #homeequity
04.06.2024 · 20:59:04 ··· 04.07.2024 · 02:58:44 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· If you’re 62 or older and need cash, we can help you access the money in your home without creating a mortgage payment. This cash can be used for any reason, and it's easy to qualify. Click the link below to see how much money you could access.
https://www.reversemortgagegroup.org/rmg-lp
#reversemortgage #reversemortgagegroup #motel #hotel #retirement
4:: Gardening In Retirement
30.05.2024 · 15:40:28 ··· 04.07.2024 · 02:58:44 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· If you’re 62 or older and need cash, we can help you access the money in your home without creating a mortgage payment. This cash can be used for any reason, and it's easy to qualify. Click the link below to see how much money you could access.
https://www.reversemortgagegroup.org/rmg-lp
#garden #homeequity #retirement #reversemortgage #reversemortgagegroup #shorts
5:: Use Your Home's Equity to Build A Backyard Paradise Without Creating A Mortgage Payment
13.05.2024 · 20:24:01 ··· 04.07.2024 · 02:58:44 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· If you’re 62 or older and need cash, we can help you access the money in your home without creating a mortgage payment. This cash can be used for any reason, and it's easy to qualify. Click the link below to see how much money you could access.
https://www.reversemortgagegroup.org/rmg-lp
#reversemortgage #homeequity #retirement
6:: How Does A Reverse Mortgage Work? (Reverse Mortgage Explained)
21.02.2024 · 18:30:51 ··· 21.02.2024 · 18:30:51 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· Unlike a conventional forward mortgage where you’re making a monthly principal and interest payment to pay down your loan balance, with a reverse mortgage, you’re not making a mortgage payment. Instead, your mortgage balance and the interest is simply paid when you sell or refinance.
You still own your home and any increase in value is yours and your heirs. All Without making a mortgage payment.
#reversemortgage #reversemortgagegroup #whatisareversemortgage #fha #seniorhomeloan #homeloan #homeloanforseniors #homeequity #heloc #bestreversemortgagecompany #reversemortgagenearme #retirement #retirementplanning #retirementstrategy #reversemortgagecompanies #reversemortgagebasics #reversemortgagelender #enhanceretirement #strengthenretirement
7:: WHEN Would Someone Get a Reverse A Reverse Mortgage? (Financial Safety Net)
15.02.2024 · 22:36:30 ··· 15.02.2024 · 22:36:30 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· A lot of people think a reverse mortgage is used as a last resort. These days, more people are getting them earlier just to have in place as a safety net, or even using them to strengthen their retirement portfolio. #reversemortgage #reversemortgagegroup #whatisareversemortgage #fha #seniorhomeloan #homeloan #homeloanforseniors #homeequity #heloc #bestreversemortgagecompany #reversemortgagenearme #retirement #retirementplanning #retirementstrategy #reversemortgagecompanies #reversemortgagebasics #reversemortgagelender #enhanceretirement #strengthenretirement
8:: WHY Would Someone Get A Reverse Mortgage? #reversemortgage
12.02.2024 · 23:24:47 ··· 12.02.2024 · 23:24:47 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· What are the top 10 reasons why a senior would get a reverse mortgage?
1. Budget breathing room/peace of mind. 2. Enhance lifestyle. 3. Home improvement or modifications to age in place. 4. Debt consolidation. 5. Purchase a new home. 6. Fund gifts to heirs. 7. Supplement retirement income. 8. Pay for medical expenses. 9. Cover property taxes and insurance. 10. Delay social security benefits. (article by Michael G. Branson)
There are hundreds of reasons why, but the primary reason is to eliminate your monthly mortgage payment and increase monthly cash flow. But you can also pull cash out. These funds can be used for anything, from home improvement projects to luxurious vacations and anything in between.
Reverse Mortgage Group powered by NEXA Mortgage, LLC.
#reversemortgage #reversemortgagegroup #fha #seniorhomeloans #budget #lifestyle #homeimprovement #debtconsolidation #purchasenewhome #downsize #giftfunds #howtopayformedicalexpenses #medicalexpenses #socialsecurityretirement
9:: WHO Can Get a Reverse Mortgage? (Who Would Benefit From A Reverse Mortgage?)
05.02.2024 · 18:47:42 ··· 05.02.2024 · 18:47:42 ··· 04.07.2024 · 02:58:44 ··· ··· ··· ··· ··· ··· Any homeowner who is at least 62-year-old and has enough equity, is likely eligible for a reverse mortgage. The older you are and the more equity you have, the more cash you have access to. Having access to cash without creating a mortgage payment is a benefit to many who are living on a fixed income. Typical issues like credit score, income, or assets are usually not a concern for qualification. #reversemortgage #reversemortgagegroup #fha #homeequity #hecm #homeequityconversionmortgage #seniorhomeloan #seniorliving #senior #retirement #retirementplanning #payingoffdebt #mortgage #bestreversemortgagecompanies #interestrates #heloc #cashflow #reversemortgagelenders #topreversemortgagecompanies
10:: WHAT Is a Reverse Mortgage? (Simple Definition)
01.02.2024 · 18:10:27 ··· 01.02.2024 · 18:10:27 ··· 04.07.2024 · 02:58:43 ··· ··· ··· ··· ··· ··· A reverse mortgage is an FHA loan, specific to homeowners who are 62 years or older. This senior home loan allows homeowners with enough equity to access a portion of their home's equity without creating a mortgage payment. There are different ways to access the funds, such as a lump sum at closing, or a growing line of credit, or even monthly distributions to the homeowner. Funds from a reverse mortgage can be used for any reason, such as paying off debt, home renovation projects, or even a vacation.
#reversemortgage #reversemortgagegroup #whatisareversemortgage #fha #seniorhomeloan #homeloan #homeloanforseniors #homeequity #heloc #bestreversemortgagecompany #reversemortgagenearme #retirement #retirementplanning #retirementstrategy #reversemortgagecompanies #reversemortgagebasics #reversemortgagelender
11:: Adding A Reverse Mortgage In Retirement #retirementliving
30.01.2024 · 20:32:46 ··· 30.01.2024 · 20:32:46 ··· 04.07.2024 · 02:58:43 ··· ··· ··· ··· ··· ··· If you’re looking for the best reverse mortgage company as part of your retirement planning, then you probably want to find one that celebrates with you. Seniors who are considering a reverse mortgage as part of their retirement strategy need someone who understands their goals, and is committed to helping them attain those goals. The Reverse Mortgage Group specializes in helping seniors tap into a portion of their home’s equity, to free up cash flow, complete a home renovation project, pay off debt, or even take a luxury vacation. We think it’s pretty exciting when a senior’s retirement is empowered with a reverse mortgage. Call us, let’s see if a reverse mortgage is right for you.
#reversemortgage #reversemortgagegroup #senior #retirementplanning #homeequity #seniorhomeloan #homeloan #fha #retirementstrategy #retirementplans #homerenovation #vacation #debtrelief #bulldog #snoringbulldog #funnypets #funnydogs #shorts
12:: Senior Regrets (Travel More)
02.01.2024 · 22:31:07 ··· 02.01.2024 · 22:31:07 ··· 04.07.2024 · 02:58:43 ··· ··· ··· ··· ··· ··· Don’t get to the end of your life and have the same regrets that many seniors say they have. Karl Pillemer, a gerontologist at Cornell, interviewed 1700 seniors for two books he wrote, called ’30 Lessons for Living’ and ’30 Lessons for Loving’. When Karl asked interviewees what their greatest regrets were, not traveling early or often enough was the most popular answer. Similarly, the British Heart Foundation, in their research, also found that ‘not traveling enough’ was one of people’s biggest regrets.
The takeaway: Travel is one of the things most people dream about, but don’t do enough of. If you’re a senior, and not having enough money to take those dream vacations has been your excuse, you might want to listen in. Homeowners who are 62 or older that have enough equity, can tap into a portion of that money without creating a mortgage payment. That money can be used for anything, like taking that trip, buying that RV, inviting the entire family to Hawaii. It’s called a reverse mortgage. It’s an ingenious way to tap into a portion of your home’s equity without having a mortgage payment.
Maybe trading some of your home’s equity for life-long memories and experiences is worth it? I think there are a whole host of seniors who would tell you, YES…do it!!!
Call us for details…let’s get your planning and packing.
#reversemortgage #reversemortgagegroup #homeloan #homeequity #seniorhomeloans #retirementplanning #retirementmortgage #reversemortgagecompanies #bestreversemortgage #homeequityloan #travel #traveling #retirement #bestlife #familyvacation #rv #lifeisgood #life #lifestyle #mortgage #interestrates #fha #loanlimits #homeowner #homemodification #retirementplans #travelplans #seetheworld #america #travelamerica #noregrets #travelmore #familytrip #biggestregret
13:: Funding Your Home Improvement Projects With A Reverse Mortgage
19.12.2023 · 22:58:34 ··· 19.12.2023 · 22:58:34 ··· 04.07.2024 · 02:58:43 ··· ··· ··· ··· ··· ··· Home remodel and renovation projects are expensive. How do you pay for a new roof? Or an AC unit, or pool, or kitchen remodel? Typically, people will pull some of the equity from their home to finance some of these big-ticket items. A HELOC, or home equity line of credit is a popular choice for many, but it comes with qualification hurdles and a monthly loan payment. If you're 62 or older and have substantial equity in your home, then looking at a reverse mortgage for these types of projects could be great option. In this video we explain how a reverse mortgage works, and how you're able to pull cash from your home without creating a mortgage payment. We can help you unlock a portion of that equity that's trapped in your home for you to use however you'd like, without the burden of a monthly mortgage payment. #reversemortgage #reversemortgagegroup #bestreversemortgage #seniorhomeloans #home #homeloans #heloc #equity #homeequity #homeequityloan #homeowner #renovation #homerenovation #remodel #homeremodel #fha #reversemortgagecompanies #homeloansforseniors #retirement #pool #pooldesign #newroof #howmuchdoesanewroofcost #howmuchdoesapoolcost #puttinginapool #poolconstruction #twoloanguys #homeequitylineofcredit #cash
14:: Using a Reverse Mortgage for Home Improvement. HELOC vs Reverse Mortgage, Which Is Better?
05.12.2023 · 21:45:24 ··· 05.12.2023 · 21:45:24 ··· 04.07.2024 · 02:58:43 ··· ··· ··· ··· ··· ··· Home remodel and renovation projects are expensive. How do you pay for a new roof? Or an AC unit, or pool, or kitchen remodel? Typically, people will pull some of the equity from their home to finance some of these big-ticket items. A HELOC, or home equity line of credit is a popular choice for many, but it comes with qualification hurdles and a monthly loan payment. If you're 62 or older and have substantial equity in your home, then looking at a reverse mortgage for these types of projects could be great option. In this video we explain how a reverse mortgage works, and how you're able to pull cash from your home without creating a mortgage payment. We can help you unlock a portion of that equity that's trapped in your home for you to use however you'd like, without the burden of a monthly mortgage payment.
#reversemortgage #reversemortgagegroup #bestreversemortgage #seniorhomeloans #home #homeloans #heloc #equity #homeequity #homeequityloan #homeowner #renovation #homerenovation #remodel #homeremodel #fha #reversemortgagecompanies #homeloansforseniors #retirement #pool #pooldesign #newroof #howmuchdoesanewroofcost #howmuchdoesapoolcost #puttinginapool #poolconstruction #twoloanguys #homeequitylineofcredit #cash
15:: Using a Reverse Mortgage to Purchase a Home - How It Works
01.12.2023 · 19:11:27 ··· 01.12.2023 · 19:11:27 ··· 04.07.2024 · 02:58:43 ··· ··· ··· ··· ··· ··· * There are 75 million baby boomers in America.
* 2/3's of seniors to not qualify for a conventional mortgage.
* 62% of seniors do not have enough money to retire on.
* 4 out of 10 seventy year olds plan to downsize or rightsize.
* 83% of peoples wealth at retirement is tied up in home equity.
This is a huge segment of our population right now, and a majority of them cannot qualify for a standard conventional mortgage, which leads to the assumption they will need to pay all cash for their next home purchase. Very few people realize they can use a Reverse Mortgage to purchase a home if they are 62 or older...and still NOT have a mortgage payment!
And with home equity being at historic highs, many seniors have large amounts of cash to work with on their next purchase.
Combine all of this with the easier qualification threshold of a Reverse Mortgage:
*No FICO score requirements *No DTI requirements *No reserves *And very little income requirements, and that spells opportunity to help more people.
Even better, since 2013, the FED stepped in to create guidelines and safeguards that protect this segment. The Reverse Mortgages of the past were downright risky and shady...not any more!
So how does the math work? It's based on complex calculation of the borrowers age, home value, county loan limits, and so on. The 'so on' means we let the software program figure it out. Here's what a typical scenario could look like.
Let's assume the client is 72 years old and is purchasing a home for $700,000. Through the same calculations of age and home value, the maximum principal limit, or ‘reverse mortgage loan amount’ would be $313,700, which leaves a down payment requirement of $386,300. Then we add the standard closing costs along with the upfront FHA mortgage insurance and have a total of $404,330 cash to close requirement. So think of it this way, instead of your buyer having to come up with 100% of the purchase price, they’re only coming in with between 50-60% of the purchase price and the reverse mortgage covers the rest. To a senior on a fixed income, that is HUGE! In this scenario, your buyer is getting into the home they want and putting $295,670 in the bank…and still not having mortgage payment!
#reversemortgage #seniorhomeloans #homeloans #reversemortgagegroup #reverseforpurchase #homeloansforseniors #homeequity #buyingahome #nomortgage #nomortgagepayment #mortgage #loan #fha #reversemortgagecompanies #bestreversemortgage #downsizing #seniorhomeloans #retirement #retirementstrategies
16:: Using a Reverse Mortgage to Travel and Enjoy Your Retirement
30.11.2023 · 22:51:31 ··· 30.11.2023 · 22:51:31 ··· 03.07.2024 · 15:40:29 ··· ··· ··· ··· ··· ··· Would you like to travel more? Are you living life to the fullest during retirement? Are you taking vacations and traveling to the places you've always wanted to see? If not, what's holding you back? If it's your finances, you might want to learn about how you can use a reverse mortgage to tap into a portion of the equity in your home without creating a mortgage payment. In this video, you'll see how a reverse mortgage works and how easy it is to qualify. Being house rich but cash poor is no way to spend your retirement. It's time to get out and live! #reversemortgage #reversemortgagegroup #homeloan #homeequity #seniorhomeloans #retirementplanning #retirementmortgage #reversemortgagecompanies #bestreversemortgage #homeequityloan #travel #traveling #retirement #bestlife #familyvacation #rv #lifeisgood #life #lifestyle #mortgage #interestrates #fha #loanlimits #homeowner #homemodification #retirementplans #travelplans #seetheworld #america #travelamerica
17:: Strengthen Your Retirement Plan
17.11.2023 · 18:43:39 ··· 17.11.2023 · 18:43:39 ··· 03.07.2024 · 15:40:29 ··· ··· ··· ··· ··· ··· Many more financial planners are seeing the benefits of incorporating a “buffer asset” into a retirement strategy. This buffer asset is simply another bucket of money to draw from throughout retirement. Taking draws periodically and strategically from this secondary asset can help add longevity and security to a senior’s retirement plan. In this episode, we talk about using a reverse mortgage to create this buffer asset. A reverse mortgage allows you to access and leverage a portion of your home’s equity without creating a mortgage payment. Financial planners have discovered that by drawing from your home’s equity instead of your retirement assets during a down year in the economy, gives the portfolio time to rebound and recover – greatly preserving the value and increasing the longevity of the portfolio.
See the full episode here: https://youtu.be/0KzJwbEHng0
#reversemortgagegroup #reversemortgage #debt #debtpayments #mortgage #homeloans #fha #hecm #senior #homeowner #equity #retired #retirementportfolio #financialplan #financialplanner #moneythroughretirement #retirement #retirementstrategies #retiredhomes #seniorhomeloans #retirementmortgage #bestreversemortgage
www.reversemortgagegroup.org Powered by NEXA Mortgage.
Call us with any questions. 805-738-8326
For additional information on this topic, see our video ‘Reduce Risk and Add Longevity to Your Retirement Portfolio’ here: https://youtu.be/aAU6ekExASE
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