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Are You Able To Get A Reverse Mortgage? Forbes Offers In-Depth Answer

A lot has changed about reverse mortgages in recent years. A new set of reverse mortgage rules and laws have been put into effect that leave some homeowners confused (as if a mortgage wasn’t already a confusing stack of paperwork laden with terms that are confounding).

But the experts over at Forbes are trying to help us better understand just how these new rules play a role in whether or not you qualify for a reverse mortgage (Home Equity Conversion Mortgage). Be prepared to spend some time reading this, as it’s an in-depth, three-page read that you should dedicate a good 20 minutes of your time to.

Newer rules determine whether or not you are able to get a reverse mortgage. They accommodate existing rules, like the qualifying age of 62 or older, substantial available equity in your home, the home being used a primary residence, mandatory HECM counseling and so forth.

But the newer rules also say that you need show that you have the financial means to cover the home’s upkeep, pay the property taxes and retain the right amount of insurance. Yet another portion of the new rules dictates what amount you are able to finance, and some sections are unclear, like whether or not you can finance home upkeep and property taxes if you are financially insecure but need access to your equity.

The article also explains other aspects that may be overlooked, like how your principal limit grows over time and how its calculated. Things many people would probably wouldn’t think about.

“We need to understand how to calculate the initial principal limit when the reverse mortgage is opened, as well as how to understand the way that the principal limit grows over time,” wrote the article’s author, Wade Pfau of McLean Asset Management in McLean, Va., and The American College in Bryn Mawr, Pa. “The initial principal limit is calculated with the expected rate, while principal limit growth is calculated with the effective rate.”

If you do have the time, and if you are considering a reverse mortgage, it’s vital that you fully understand how these home loans work and what’s involved on your part. The Forbes article breaks down the hard to understand terms and fully explains them so that you can be better informed.

Of course, when considering a reverse mortgage, it is important that you also speak to your financial advisor to gain personalized, expert advice before making any decision that could affect your financial wellbeing.

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    For proof of this, watch both videos below:

    The first video on YouTube is titled, “Warning From Man Who Designed RFID Microchip”

    Carl Sanders sat in seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about this one-world system. The government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world—a microchip that could be inserted under the skin with a hypodermic needle (a quick, convenient method that would be gradually accepted by society).

    Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a microchip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without the knowledge of the Bible (Brother Sanders was not a Christian at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.

    Guess what? These researchers found that the forehead and the back of the hand(the two places Revelation says the mark will go) is not just the most convenient place, but is also the only viable place for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is approximately seven millimetres in length, .75 millimetres in diameter, about the size of a grain of rice. It is capable of storing pages upon pages of information about you. All your general history, work history, crime record, health history, and financial data can be stored on this chip.

    Brother Sanders believes that this microchip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16–18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is actually a word in the original Greek. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.

    Since it is said that this RFID Chip uses a lithium battery, a doctor was asked what would happen if that lithium leaked into the body. He said a terrible sore would appear in that spot. This is what the book of Revelation says: “And the first(Angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2 NKJV).

    Another video to watch is an infamous interview done with movie producer Aaron Russo titled, “Aaron Russo RFID Human Implant Chip”

    He produced such movies as ‘Mad as Hell’, ‘Trading Places’, and ‘America: Freedom to Fascism’. He gained the attention of a man named Nick Rockefeller who saw the movie ‘Made as Hell’ and knew Aaron was running for governor of Nevada. Nick befriended Aaron and wanted to recruit him into their society because of the influence and impact he knew Aaron was having. Nick told him 11 months before 9-11 occurred that there would be an event, and from that event they would invade Afghanistan and Iraq to help build the New World Order. And that there will be this war on terror where there is no real enemy, and the whole thing is a hoax; a tool used by the American Government to take over their own people. Aaron asked Nick why they are doing these things, because they have all the money and power in the world, what is the purpose of all of this. Nick replied by saying their ultimate goal is to put a microchip in everybody, so they can have total control over the people.

    “Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name” (Revelation 14:9-11 NKJV).

    People have been saying for centuries that the end is coming, but we needed two key components, the third temple, and the technology to fulfill Revelation 13:16-18 that speaks of a cashless society.

    Visit http://WWW.BIBLEFREEDOM.COM to see proof for these things and why the Bible truly is the word of God!

    If you haven’t already, it is time to seek God with all your heart. Jesus loves you more than you could imagine. He wants to have a relationship with you and redeem you from your sins. Turn to Him and repent while there is still hope! This is forever…God bless!

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