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These payments can be a lump sum, a monthly advance, a line of credit, or a combination of all three. How Reverse Mortgages Work There are three basic types of reverse mortgages: single-purpose reverse mortgages, offered by some state and local government agencies and nonprofit.
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S. Department of Housing and Urban Development (HUD and proprietary reverse mortgages, private loans that are backed by the companies that develop them. When you take out a reverse mortgage, the title to your home remains with you and you continue to live in the.
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As a general rule, you're deemed to have moved if neither you nor any other co-borrower has lived in your home for one continuous year. If you dont pay property taxes, carry homeowners insurance, or maintain the condition of your home, your loan may become.