{"id":2459,"date":"2015-10-17T21:48:58","date_gmt":"2015-10-17T21:48:58","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=2459"},"modified":"2020-07-13T22:34:07","modified_gmt":"2020-07-13T22:34:07","slug":"seniors-how-to-get-a-low-cost-reverse-mortgage-to-purchase-or-refinance-your-retirement-home","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/seniors-how-to-get-a-low-cost-reverse-mortgage-to-purchase-or-refinance-your-retirement-home\/","title":{"rendered":"Seniors, How to Get a Low-Cost Reverse Mortgage to Purchase or Refinance Your Retirement Home"},"content":{"rendered":"
\"Low
Understanding how to make a Reverse Mortgage low cost option work for you<\/figcaption><\/figure>\n

A Reverse Mortgage<\/span><\/a> does not\u00a0always require higher closing costs and there is a strategy to purchase or refinance real estate with low closing costs while having no monthly mortgage payment. **<\/p>\n

Reverse Mortgage<\/strong><\/span><\/a> information can be confusing for\u00a0many including the uses, costs, and\u00a0even simply\u00a0how they work.\u00a0 Therefore, we look to not only provide these mortgage solutions for retirees purchasing or refinancing a home, but also look to educate\u00a0them in the details.<\/p>\n

On a Reverse Mortgage<\/strong><\/span><\/a>, the borrower may choose closing costs that are either charged up-front or they are paid over time in the rate and mortgage insurance.\u00a0 Up-front costs can include lender fees, up-front FHA mortgage insurance, plus normal closing \/ settlement charges such as appraisal, attorney fees, etc (learn more about closing costs and definitions<\/strong><\/span><\/a>).\u00a0 When using a Reverse Mortgage<\/strong> <\/span><\/a>as a refinance, retirees could pay the closing costs up-front by including them in the new loan amount so that there is potentially no cost paid out of pocket depending on the usable equity in the property.\u00a0 But the borrower may also choose an option to lower the costs paid at closing by choosing a little\u00a0higher rate.\u00a0 When using a Reverse Mortgage<\/span> <\/strong><\/a>to purchase real estate, the senior buyer has the choice of paying the costs out of pocket at closing or also by choosing an interest rate that provides a lender credit to pay costs.\u00a0 Keep in mind that although there is no required mortgage payment, the borrower must continue to pay all property taxes and insurance.\u00a0 Additionally, the borrower must keep the property in good repair and occupy the home as a principal residence.<\/p>\n

How to have lower closing costs up-front on a Reverse Mortgage<\/strong><\/span><\/a>:<\/h2>\n

An option mentioned above is to pay a little higher interest rate so that the lender is able to pay part of your closing costs.\u00a0 This works by the lender trading the up-front ability to pay\u00a0towards your closing costs by\u00a0obtaining a higher interest rate over the term.\u00a0 This reward can be a benefit for a retiree, especially when the loan is a larger size because just a small increase in rate could pay a larger amount of closing costs.\u00a0 In addition, the strategy of increasing the rate to pay closing costs could be beneficial if the borrower will hold the loan for a shorter amount of time as the higher rate could be for just a short time.\u00a0 When a borrower owes the loan over a longer period of time, the cost of the higher rate could surpass the up-front cost option.\u00a0 Discussing these strategies is one of the important steps we will discuss in detail with our client so that the borrowers feel confident in choosing the option that fits their goals and scenario best.<\/p>\n

Our Reverse Mortgages<\/strong> <\/span><\/a>are Home Equity Conversion Mortgages (HECM) which are insured by the Federal Housing Administration (FHA).\u00a0 A mandatory requirement for obtaining a HECM \/\u00a0Reverse Mortgage<\/strong> <\/span><\/a>is to receive HUD Approved Counseling, which is great because it educates the borrower on top of the information we provide in consultations and\u00a0in writing in the form of disclosures.\u00a0 We will provide a list of HUD Counselors nearest the borrower\u00a0to complete this counseling requirement.<\/p>\n

\"Bob<\/p>\n

Whether you are a senior or are a senior service provider such as a CPA \/\u00a0Financial Advisor and have questions about Reverse Mortgage<\/strong><\/span> <\/a>options, contact\u00a0Bob Moyer\u00a0today at 910-418-4609.\u00a0\u00a0Bob started in the mortgage business in 1994 and is skilled in helping you make an important decision in your retirement living years.<\/p>\n

** Borrowers must continue to keep the property in good repair, pay taxes and insurance, and occupy the home as a primary residence<\/p>\n

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Team Move\u00a0lends in\u00a0areas such as Wilmington, Leland, Hampstead, Jacksonville, Camp Lejeune, Whiteville, Shallotte, Southport, Elizabethtown, Lumberton, Fort Bragg, Pope Air Force Base, Sanford, Fayetteville, Southern Pines, Pinehurst, Rockingham, Raleigh, Cary, High Point, Garner, Smithfield, Clayton, Asheville, Asheboro, Rocky Mount, Wilson, Burlington, Kannapolis, Goldsboro, Hickory, Wake Forest, Salisbury, Matthews, Charlotte, Monroe, Statesville, Shelby, Lexington, Boone, Morganton, Cornelius, Holly Springs, Fuquay Varina, Kernersville, Kinston, Greenville, Outer Banks, Greensboro, Winston-Salem, Durham, Chapel Hill, Burgaw, Castle Hayne, Holden Beach, Supply, Ocean Isle Beach, Sunset Beach, Hubert, Tabor City, Carolina Beach, Kure Beach, Laurinburg, Topsail Beach, North Topsail Beach, Surf City, Sneads Ferry, Richlands, Lake Waccamaw, Wrightsville Beach, New Bern, Oak Island, Saint James, Wallace, as well as the rest of NC.\u00a0 North Myrtle Beach, Myrtle Beach, Conway, Loris, Little River, Longs, as well as the rest of South Carolina,\u00a0Virginia, and Georgia<\/em><\/h5>\n","protected":false},"excerpt":{"rendered":"

A Reverse Mortgage does not\u00a0always require higher closing costs and there is a strategy to purchase or refinance real estate with low closing costs while having no monthly mortgage payment. ** Reverse Mortgage information can be confusing for\u00a0many including the uses, costs, and\u00a0even simply\u00a0how they work.\u00a0 Therefore, we look to not only provide these mortgage […]<\/p>\n","protected":false},"author":2,"featured_media":1526,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24,33,60,191,40],"tags":[385,510,511,512,270,513,514,515,516,517,188,518,519,520,521,522,523,192,459],"class_list":["post-2459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fha","category-frequently-asked-questions","category-local-resources-best-places-to-live-in-nc-and-sc-including-subdivisions-schools-things-to-do","category-reverse-mortgages-retirement-living","category-tips","tag-cash","tag-equity","tag-fha-loan","tag-homes","tag-hud","tag-low-closing-cost","tag-mortgage","tag-mortgage-rates","tag-mortgages","tag-real-estate","tag-retired","tag-retirement","tag-retirement-planning-retirement-home","tag-reverse-mortgage","tag-reverse-mortgage-calculator","tag-reverse-mortgage-information","tag-senior","tag-senior-citizens","tag-wilmington-nc"],"acf":[],"yoast_head":"\nLower 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