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admin | Category: Phone Number By Address | 14.06.2015
Aging actors pitch reverse mortgages on late night TV, but a growing number of experts say these vehicles can truly be legit financial planning tools. And Robert Wagner has been spreading the word for more than a decade, touting “a loan that pays you” for Reverse Mortgage. These vintage spokespeople – all in same 62-plus age group that their spiels target – have been raking in the sponsorship money as the reverse mortgage industry scrabbles for respectability.
Yet some experts say that these financing tools ought to be sold on their merits, as flexible tools for achieving financial planning goals. Marguerita Cheng, the CEO of Bethesda, Maryland-basedBlue Ocean Global Wealth says she recently recommended a home equity conversion mortgage (or HECM) to a married couple that currently has a $110,000 conventional mortgage on their home, which is currently worth around $800,000.
When they retire in a year or two, they will be making $1,200 monthly mortgage payments from retirement accounts.
The reverse mortgage requires no interest payments so it immediately eases cash flow needs. Reverse mortgages are available to homeowners aged 62 and over, enabling them to borrow against the equity in their homes and pay off the loan plus interest only when they did, move out or sell the house.
The loans employ what is known as negative amortization, that is, interest payments are taken out of the principle and there are no payments to make.
The Federal Housing Administration’s home equity conversion mortgage (HECM) program facilitates loans on home values up to $625,500. Reverse mortgages have long been viewed as a shady way to separate retirees from their main asset, the family home, but recent rule changes have made them safer.
For one thing, last year’s new limits prevent borrowers from withdrawing more than 60% of the amount available to them in a single year. Mayer says that distressed borrowers — that is, people who are having trouble meeting home ownership costs — are just one part of the market for reverse mortgages.
Or, he says, imagine a 60-something retiree trying to delay taking Social Security benefits. Other borrowers can use reverse mortgages to finance health care if they want to stay in their home and need cash to cover nursing or other recurring costs. Finally, for the roughly 10 million retirement-age Americans who still have a primary mortgage, reverse mortgages can help them keep their homes.
By taking out a reverse mortgage, retirees can pay the primary mortgage without tapping savings or retirement plan balances.


A “standby reverse mortgage” that can be drawn on as needed can become an important part of retirement income planning. Because of the costs – which typically include one or two thousand in closing costs plus a mortgage insurance premium representing a few percentage points of the home’s value – reverse mortgages make most sense for borrowers with long-term needs. When considered carefully, as part of a comprehensive financial plan, home equity conversion mortgages can be a valuable tool – far more legitimate than their late-night, faded celebrity-driven advertising would suggest.
In the most constructive manner, RMs can serve as a valuable leverage tool in conjunction with life insurance for asset protection if properly implemented.
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These withdrawals may deplete the couple’s retirement savings too quickly – and they would also be taxable as ordinary income. The couple also doesn’t have to make withdrawals from their retirement accounts, preserving their assets and reducing their tax liabilities.
And as of January, borrowers must demonstrate that they have the assets and income to maintain home ownership for the long term. Wealthier homeowners whose property values have soared can use them as tools for financial and liquidity planning.
It allows people to meet their obligations while keeping a saving cushion against unexpected expenses. This kind of reverse mortgage functions like a home equity line of credit, except that unlike those credit vehicles, it cannot be frozen or cancelled. A home owner with significant medical costs near the end of life, for instance, would be better off simply selling his or her house. The opportunities found under Nevada law have prompted numerous estate planners and financial planners to situs their clients’ trusts in Nevada to take advantage of the advantages that Nevada offers that are not available in most other states. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult.


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Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship.
The money can then be used to fund unexpected expenses like home repairs or medical costs – or even to manage investment volatility. I have removed the cover and inspected the shift cable it is operating normally in forward and reverse. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts.
For example, a home owner could draw from his or her tax-deferred retirement accounts when investment returns are high – but from the standby reverse mortgage when markets are declining.
To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. Tech and Technique: Envestnet Summit Clarifies the Advisor Essentials By Scott Martin, ContributorMay 23, 2016 New elaborations of the TAMP’s technology platform extend its core functionality but the real value creation that emerged last week was farther reaching and more strategic. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.
I took a look to see if the shift cable is pushing the rod far enough it seem to be travelling it full length. If you ever needed an example of why independent trustees are critical to dynastic harmony, this is it. Rob Kardashian has gotten his girlfriend Blac Chyna pregnant and proposed marriage in the wake of finding out.



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