Search Results for: hecm

RMG NEWS : HUD Extends Higher Loan Limit for FHA Reverse Mortgage Program

The US Department of Housing and Urban Development (HUD) officially extended the loan limits for its FHA-insured reverse mortgage program with Mortgagee Letter 2009-50. The changes are effective immediately for loans closed on or after February 24, 2009. According to … Continue reading

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RMG NEWS : Reverse Mortgages Face The Music

In the last fiscal year, mortgage lenders funded 114,692 reverse mortgages under the FHA’s HECM program. Five years ago just 43,000 of reverse mortgage loans were written. Until a year ago, the reverse mortgage niche looked like a safe bet … Continue reading

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RMG NEWS : Fannie Mae Pricing Brings a More Diverse Investor Base

The secondary market for reverse mortgages is welcoming the expansion of adjustable rate securitizations through Ginnie Mae’s HMBS (HECM MBS) program. Leading the way for its sheer size is Bank of America – producing $200 million to $300 million a month … Continue reading

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Before Signing on the Dotted Line…

…There’s a lot you need to know about reverse mortgages. This Q&A will help clarify how this complex transaction works. What is a reverse mortgage? It’s a loan on your house that lets you tap your home’s equity.  Like a … Continue reading

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How to Choose a Reverse Mortgage Lender

Be very careful when choosing. There are several legitimate mortgage lenders out there that offer reverse mortgages, but there are illegitimate ones as well. Be sure to pick one with a good reputation. Continue reading

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Adjustable rate home equity conversion mortgage

The Home Equity Conversion Mortgage (HECM) is FHA’s reverse mortgage program which enables you to withdraw some of the equity in your home. You choose how you want to withdraw your funds, whether in a fixed monthly amount or a line of credit or a combination of both. Continue reading

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Planning to Move? Reverse Mortgage May not Be a Good Idea

Reverse mortgages can be a useful tool for seniors who need extra income. But for someone who doesn’t plan to live in her home for long, a reverse mortgage could be mistake. Here’s why according to a recent US News and World Report article about reverse mortgages. Continue reading

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FHA Implements New HECM Counseling Standards and Protocol

The FHA released a final rule today making the new HECM counseling standards official. The rule goes into effect on October 2, 2009. Continue reading

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HECM Principal Limit Reduction – October 1’st 2009

The U.S. Department of Housing and Urban Development announced a new set of principal limit factors for the Federal Housing Administration (FHA) HECM program. The changes will lower the principal limits for the HECM by 10%. Continue reading

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Reverse Mortgages: CMT vs HECM

Recently the Reverse Mortgage market has added a new index to the available options. You now have a choice of the index for your loan. Continue reading

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