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NiC Reverse Mortgage: 10 Myths

No more scare tactics: NiC gives you the facts instead of Reverse Mortgages myths.

1. Myth: You have to sign your home over to the bank when you take out a reverse mortgage.

FACT.With a reverse mortgage you still own your home and must keep paying property taxes and insurance, just like you always have.  No one but you is on the title to your property.

 

2. Myth: Reverse mortgages mean saying goodbye to the equity in your home.

FACT. A reverse mortgage doesn’t do anything to your home’s equity that any other mortgage wouldn’t do; the only difference is that you don’t have to repay a reverse mortgage until the death of the last surviving spouse, and assuming the amount you owe on the reverse mortgage is less than the property’s value, your heirs would inherit the difference. Though keep in mind that there is an effect of negative amortization on the home equity and that the loan balance is growing each year due to non-payment, insurance and interest accrual.

 

3. Myth: You can’t sell your home once you’ve taken out a reverse mortgage.

FACT. You can sell your home whenever you want to even if you’ve taken out a reverse mortgage, because there are never any pre-payment penalties. The proceeds from the sale are simply allotted to pay off the reverse mortgage, and you (or your heirs) receive whatever amounts remain.

 

4. Myth: No one should ever take out a reverse mortgage unless they have to.

FACT. You can use the proceeds you receive from a reverse mortgage however you want, and homeowners are finding all sorts of ways to use them today. To pay for home improvements is one increasingly common use for a reverse mortgage, because unlike a home equity loan, reverse mortgages don’t require the borrower to repay the loan until death of the last surviving spouse. Others have used reverse mortgages to help pay for grandkids going off to college. And while it’s true that you don’t have to repay your reverse mortgage during your or your spouse’s lives, you certainly can make payments if you want to reduce your indebtedness. You can decide to make payments that cover only the interest or principal and interest. It’s totally up to you.

 

5. Myth: Reverse mortgages are too costly.

FACT.  Reverse mortgages are regulated by HUD-FHA, and so are the costs and fees, which for the most part are financed in the loan. So you don’t need to lay out much cash when getting a reverse mortgage. Origination fees are up to $2,500 on homes valued less than $125,000 on homes more than $125,000, lenders can charge 2 percent of the first $200,000, plus 1 percent of the amount more than $200,000, up to a cap of $6,000.

Also expect to pay an initial mortgage insurance premium at closing.  Also, you will be charged an annual Mortgage Insurance Premium (“MIP”) that equals 1.25 percent of the mortgage balance over the life of the loan. There are also likely to be closing costs for things like appraisals, title searches, inspections, recording, mortgage taxes and credit checks… and sometimes a monthly fee of $30-$35 for servicing the loan.

 

6. Myth: The amounts you get from Social Security can be less after a reverse mortgage.

FACT. Proceeds from a reverse mortgage are not taxable because they’re not income and therefore they cannot affect your Social Security or Medicare benefits.

 

7. Myth: You need a free and clear home to get a reverse mortgage.

FACT. A reverse mortgage can pay off your existing mortgage, so you can eliminate your monthly mortgage payments for good. All you need is some equity, and in cases where your lender has agreed to accept a reduced amount as full satisfaction of your loan, not even that.

 

8. Myth: To qualify for a reverse mortgage you need good credit and sufficient income.

FACT. As on 2014, your FICO score and your income are part of qualifying for a reverse mortgage, but nowhere near the way they are when applying for a traditional mortgage. The amount you can borrow is based on your age and your home’s value, up to $625,000, and the older you are, the more you can borrow.

 

9. Myth: Your heirs are stuck paying off your reverse mortgage after you’re gone.

FACT.  Reverse mortgages are non-recourse loans and that means no one will ever have to pay more than the home is worth. After the death of the last surviving spouse, even if you owe more than your home is worth, your heirs won’t owe anyone a nickel.

 

10. Myth: It’s OK if only one spouse is older than 62 when applying for a reverse mortgage.

FACT. Both you and your spouse must be older than 62 years of age and both of you have to be listed on a reverse mortgage as borrowers. The reverse mortgage is not due until the last surviving spouse dies, or sells the home, or doesn’t use the home for 365 consecutive days.

 

Bottom line: Reverse mortgages are making dreams come true for hundreds of thousands of older Americans all over the country. Many seniors had to change their plans for their retirement years as a result of the decline in home prices, but by using reverse mortgages, some are finding it easy to get their plans back on track. Nothing works like a reverse mortgage. It’s a federally insured loan that, depending on your age, makes it easy to turn a percentage of your home’s value into tax-free cash that you can use however you want.

The question has to be asked: Who wouldn’t want a credit line that increases each year? Many seniors take out reverse mortgages as open credit lines, instead of taking cash in a lump sum or payments, because when you set up a reverse mortgage this way, the amount you can borrow increases each year.

A 70-year-old borrower who would have access to a credit line of roughly $215,000 today would be able to borrow $285,000 five years from now if he or she didn’t use the credit line until then. And five years later, approximately $412,000 could be borrowed all without a requirement that the loan be repaid until after the death of the last surviving spouse.

There’s simply nothing that will do what a reverse mortgage can do, so by getting all of the facts today, you could start making your retirement dreams come true tomorrow.

If only I was 62…

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    In December of 2017, Donald Trump made history by recognizing Jerusalem as the capital of Israel. Why is this big news? Because by this the Jewish people of Israel are now able to press forward in bringing about the Third Temple prophesied in the Bible.

    Jewish Rabbis have publicly announced that their Messiah will be revealed in the coming years who will be a leader and spiritual guide to all nations, gathering all religions under the worship of one God.

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    “He causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.

    Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.”

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    “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).

    People have been saying the end is coming for many years, but we needed two key things. One, the Third Temple, and two, the technology for a cashless society to fulfill the prophecy of the Mark of the Beast.

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

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    “EITHER HUMAN INTELLIGENCE ULTIMATELY OWES ITS ORIGIN TO MINDLESS MATTER OR THERE IS A CREATOR…” – JOHN LENNOX

    We all know God exists. Why? Because without Him, we couldn’t prove anything at all. Do we live our lives as if we cannot know anything? No. So why is God necessary? In order to know anything for certain, you would have to know everything, or have revelation from somebody who does. Who is capable of knowing everything? God. So to know anything, you would have to be God, or know God.

    A worldview without God cannot account for the uniformity and intelligibility of nature. And why is it that we can even reason that God is the best explanation for this if there is no God? We are given reason to know or reject God, but never to know that He does not exist.

    It has been calculated by Roger Penrose that the odds of the initial conditions for the big bang to produce the universe that we see to be a number so big, that we could put a zero on every particle in the universe, and even that would not be enough to use every zero. What are the odds that God created the universe? Odds are no such thing. Who of you would gamble your life on one coin flip?

    Is there evidence that the Bible is the truth? Yes. Did you know that the creation accounts listed in the book of Genesis are not only all correct, but are also in the correct chronological order? That the Bible doesn’t say the Earth was formed in six 24-hour days but rather six long but finite periods of time? That the Bible makes 10 times more creation claims than all major “holy” books combined with no contradictions, while these other books have errors in them? The Bible stood alone by concurring with the big bang saying, “In the beginning God created the heaven and the earth” (Genesis 1:1); and says our universe is expanding, thousands of years before scientists discovered these things. Watch a potential life-changing video on the website listed below with Astronomer(PhD) Hugh Ross explaining all these facts based on published scientific data. He has authored many books, backed even by atheist scientists.

    Jesus came to pay a debt that we could not; to be our legal justifier to reconcile us back to a Holy God; only if we are willing to receive Him: “For the wages of sin is death…” (Romans 6:23).

    God so loved the world that He gave us His only begotten son, so that whoever believes in Him, through faith, shall not perish, but have everlasting life. Jesus says if we wish to enter into life to keep the commands! The two greatest commands are to love God with all your heart, soul, strength, and mind; and your neighbor as yourself. All the law hang on these commands. We must be born of and lead by the Holy Spirit, to be called children of God, to inherit the kingdom. If we are willing to humble ourselves in prayer to Jesus, to confess and forsake our sins, He is willing to give the Holy Spirit to those who keep asking of Him; giving us a new heart, leading us into all truth!

    Jesus came to free us from the bondage of sin. The everlasting fire was prepared for the devil and his angels due to disobedience to God’s law. If we do the same, what makes us any different than the devil? Jesus says unless we repent, we shall perish. For sin is the transgression of the law. We must walk in the Spirit so we may not fulfill the lusts of the flesh, being hatred, fornication, drunkenness and the like. Whoever practices such things will not inherit the kingdom (Galatians 5:16-26). If we sin, we may come before Jesus to ask for forgiveness (1 John 2:1-2). Evil thoughts are not sins, but rather temptations. It is not until these thoughts conceive and give birth by our own desires that they become sin (James 1:12-15). When we sin, we become in the likeness of the devil’s image, for he who sins is of the devil (1 John 3:8); but if we obey Jesus, in the image of God. For without holiness, we shall not see the Lord (Hebrews 12:14).

    The oldest religion in the world is holiness through faith (James 1:27). What religion did Adam and Eve follow before the fall? Jesus, Who became the last Adam, what religion does He follow? Is He not holy? He never told us to follow the rituals and traditions of man but to take up our cross and follow Him (Luke 9:23). There are many false doctrines being taught leading people astray. This is why we need the Holy Spirit for discernment. Unlike religion, holiness cannot be created. It is given to us from above by the baptism of the Spirit. Jesus is more than a religion; He is about having a personal relationship with the Father. Start by reading the Gospel of Matthew, to hear the words of God, to know His character and commandments. Follow and obey Jesus, for He is the way, the truth, and the life!

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