By Vishaal B. Bhuyan
AARP electronic versions give you sensible counsel, confirmed suggestions, and specialist tips.
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Additional resources for AARP Reverse Mortgages and Linked Securities. The Complete Guide to Risk, Pricing, and Regulation
Borrowers pay a mortgage insurance premium at the time their loan is originated. These premiums, in theory, were thought to be sufficient to offset HUD’s guarantee to Fannie Mae to take back, “put,” all loans that went under water. When the sum of the principal advances and accumulated compound loan interest exceeds the origination loan amount, each reverse mortgage is surrendered to HUD and the American taxpayers absorb the loss with more national debt resulting. As time has gone on and long-lived Fannie Mae reverse mortgages have reached that tipping point, the volume of losses now exceeds the capacity of the mortgage insurance pool to cover the losses.
Selvidio Associate, Stroock & Stroock & Lavan LLP In the United States today, the number of retired citizens is growing significantly. 1 As this retirement community grows, the market for financial products that can provide opportunities to its members to supplement their personal wealth will grow as well. It is also likely that the demand for these kinds of financial products will grow even stronger in light of the difficult economic environment that began in 2008 and has plagued the financial markets in recent times.
In all reverse mortgages, the lender calculates the amount to be disbursed to the senior(s) by considering the following:• The age and life expectancy of the borrower, or the age of the younger borrower in the case of a married couple. • Current interest rates. ) • The appraised value of the home, with consideration of ongoing maintenance costs and geographic location. ). Loans may be disbursed to the borrower in a number of ways. 1. Private lenders may introduce variations on these programs or entirely new products to the marketplace.