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The majority of reverse mortgages have variable rates, which are connected to a financial index and change with the market. Variable rate loans tend to give you more alternatives on how you get your money through the reverse home mortgage. Some reverse home mortgages mainly HECMs provide fixed rates, but they tend to require you to take your loan as a lump sum at closing.
Interest on reverse home mortgages is not deductible on tax return till the loan is paid off, either partly or in complete. In a reverse home mortgage, you keep the title to your home. That means you are responsible for property taxes, insurance, energies, fuel, upkeep, and other costs. And, if you do not pay your property taxes, keep house owner's insurance, or maintain your house, the lender might need you to repay your loan. http://kosmetik-ab.de/user/muallewzl6 |
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