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Mortgage-Refinance We are all living longer & our quality of life is better today than at any time in the history of the world. Who would not want to have a comfortable retirement? When it comes to helping our aging loved ones with financial decisions, we want to make sure we take time to understand all aspects of the transaction. One option for seniors that is becoming very popular is to use the equity from their home to increase their cash flow. Some seniors need to pay off old mortgages and home equity loans; others have credit card debt that they would like to eliminate. Some elderly parents need additional cash flow to pay in-home caregivers, and some need the money to simply be able to afford to pay their daily living expenses. Regardless of the reason, a reverse mortgage is a big decision for seniors and their family members alike. If youre 62 or older and looking for money to finance a home improvement, pay off your current mortgage, supplement your retirement income, or pay for healthcare expenses you may be considering a reverse mortgage. Its a product that allows you to convert part of the equity in your home into cash without having to sell your home or create any additional monthly bills. The Federal Trade Commission (FTC), the nations consumer protection agency, wants you to understand how reverse mortgages work, the types of reverse mortgages available, and how to get the best deal. In a regular mortgage, you make monthly payments to the lender. In a reverse mortgage, you receive money from the lender, and generally dont have to pay it back for as long as you live in your home. The loan is repaid when you die; sell your home, or when your home is no longer your primary residence. The proceeds of a reverse mortgage generally are tax-free, and reverse mortgages have no income or credit restrictions. Reverse mortgage loan advances are not taxable, and generally dont affect your Social Security or Medicare benefits. You retain the title to your home, and you dont have to make monthly repayments. The loan must be repaid when the last surviving borrower dies, sells the home, or no longer lives in the home as a principal residence. If youre considering a reverse mortgage, shop around. Compare your options and the terms various lenders have to offer. Learn as much as you can about reverse mortgages before you talk to a counselor or lender. Investigation can help you form the questions to ask that could lead to a better deal. Make the most of your retirement with a reverse mortgage, Feel free to call us at 800-630-0650 and we have the experienced and the expert Senior Advisor to help you spend a secure and comfortable retirement in the home youve grown to love. We’ve helped thousand of senior homeowners solve their financial problems, it’s time we help you. Tim Jacobs Golden Years Mortgage Solutions Your MoneyWhen You Need It (800)630-0650 [email protected] Tim Jacobs @ Golden Years Mortgage Solutions (800)630-0650 [email protected] Golden Years Mortgage Solutions is a reverse mortgage approved FHA Lender. Weve helped thousands of senior homeowners solve their financial problems. Our agents and brokers collectively have over 60 years of experience in Reverse Mortgage Loans and general financial services, including managers who are industry pioneers with more than 12 years of reverse mortgage experience. Our dedication to providing financial solutions for seniors is evidenced by the number of referrals that come from our existing clients. About the Author: 相关的主题文章: