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The Mortgage Professor: Borrower decisions on a HECM reverse mortgages

Borrowers in the forward-mortgage market make similar decisions. There are no points on HECM reverse mortgages, only origination fees, which are a flat dollar amount. That makes the decision on the be... read more

The Mortgage Professor: Introducing the Kosher HECM reverse mortgage

We need a comparable certification process for financial instruments sold to consumers, with the need most pronounced for the more complex instruments.When scaled by the need for certification, HECM r... read more

Mortgage Professor Unveils the Kosher HECM Shopper's Assistant

PHILADELPHIA, PA--(Marketwired - December 14, 2015) - Effective immediately, homeowners aged 62 or over can employ the new HECM Shopper's Assistant (HSA) to shop for the best ... of reverse mortgage l... read more

JACK GUTTENTAG: Shopping for the best HECM Reverse Mortgage deal

Can You Shop For the Best Deal on a HECM Reverse Mortgage? You can if you know exactly what you want, and exactly where to find it. This article is designed ... The writer is professor of finance emer... read more

Reverse mortgages: Are they worth it?

You must be 62 or older to take out a reverse mortgage and the amount you can borrow depends on your age, interest rate and the value of your home. Under the Department of Housing and Urban Developmen... read more

Advisor Fine Sheds Light on Roadblock to Recommending HECMs

The compliance teams at many of these large firms spend a great deal of time combing company emails for violations, Giordano says. The phrase “reverse mortgage” is often ... discuss the options that a... read more

'Mortgage Professor' Site Adds 'Safe Place' for Seniors to Comparison-Shop for Reverse Mortgages

find the best unbiased advice and choose loans from pre-vetted lenders while protecting their privacy, Prof. Guttentag has added a HECM shopping service to his popular, consumer-oriented mortgage-shop... read more

Medicare, reverse mortgages and the complexities of retirement planning

Find out which firms offer the highest ... One of the most persistent misunderstandings surrounding reverse mortgages is fear. As one adviser put it, how do we “deal with the fear that the reverse mor... read more

THE MORTGAGE PROFESSOR: A new tool for tracking a HECM reverse mortgage

HECM borrowers have other options, however, which are unique to HECMs and may not be known or fully understood. If they took a monthly payment, as Sheila did and find later ... fence to take the rever... read more

The Mortgage Professor: Introducing the Kosher HECM Reverse Mortgage

which makes it easy for seniors to find the best deal. —There are no unanticipated surprises down the road that would make the senior regret taking a HECM. —The set of options for drawing funds is the ... read more

FHA in “Fix-It Mode,” Stresses Commitment to Reverse Mortgages

“I have been a strong advocate of the reverse ... find that tipping point,” he said. “If you make further changes to [principal limit factors], pricing changes, what is the tipping point to where volu... read more

The payoffs to paying off a mortgage

Q: How do I determine that allocating extra funds for mortgage repayment is my best use of those ... repay the mortgage balance with a reverse mortgage, which eliminates the required monthly payment. ... read more