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Program Losses Spur Government Changes

Program Losses Spur Government Changes

U.S. Department of Housing and Urban Development (HUD) announced Tuesday, August. 29, it will raise up-front fees and tighten limits for the HECM Reverse Mortgage program to avoid having to dip into the U.S. Treasury to cover troubled borrowers. These mea

Sep 06, 2017 | Eligibility for Reverse Mortgage HECM Reverse Mortgage Seniors Reverse Mortgage HUD

Creating Constructive Options for the Division of Property for Retirees

Creating Constructive Options for the Division of Property for Retirees

The words retired, fixed income, and divorce don’t always go that well together. Many retirees live primarily on Social Security and a small amount of investment income.  A divorce, no matter how amicable, will often require the division of pro

Aug 10, 2017 | Reverse Mortgage HECM Reverse Mortgage Seniors Gray Divorce Retirement security

Exploring the Labyrinth of Funding and Planning for Care

Exploring the Labyrinth of Funding and Planning for Care

The most prevalent type of care that most of us will face for ourselves and our families will most likely be related to various forms of in-home care.  This has become the most preferred and cost efficient means of care, ranging from basic companions

Jul 10, 2017 | Home Care Long Term Care HECM Reverse Mortgage Senior Care

Consider the Alternatives to Expensive LTC Policies

I completely agree with the authors opinion on long term care policies. After doing significant research for myself I determined that the monthly and up front lump sum long term care policies were not for me.  There are simply too many variables out

Jun 15, 2017 | HECM Reverse Mortgage Reverse Mortgage Long Term Care growth factor

HECM Reverse Mortgage - Understanding the Treatment of Mortgage Debt

HECM Reverse Mortgage - Understanding the Treatment of Mortgage Debt

Is mortgage debt eliminated when you get a Reverse Mortgage?  Some would venture to say the debt is eliminated, however, this is misleading and causes significant confusion and lack of understanding with the program. This concept appears too good to

Jun 07, 2017 | HECM Reverse Mortgage Traditional Mortgage mortgage debt

Senior Advocates - When are they needed?

Senior Advocates - When are they needed?

As we get older we often take things for granted.  We all collectively feel that we have it covered and that we can still handle just about anything that is thrown at us.  However, this is not always the case and not reaching out for help in cer

May 05, 2017 | Age in Place Seniors Home Care Senior Advocate

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