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The amount you receive will also be affected if the house has any other home mortgages or liens. If there's a balance from a home equity loan or house equity credit line (HELOC), for example, or tax liens or judgments, those will need to be paid with the reverse home loan proceeds first." Regardless of the kind of reverse mortgage, you should not expect to receive the amount of your home," Boies states.
Doing this, however, lowers the amount of funds readily available to you through the loan. Here's a breakdown of HECM charges and charges, according to HUD: There is a 2 percent preliminary MIP at closing, in addition to a yearly MIP equal to 0. 5 percent of the exceptional loan balance. https://diigo.com/0letml |
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