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Reverse mortgages can have their good points and work well for some people. For others it's not the right decision. I would check with a financial counselor on your mother's situation to see if this is a smart move. Much depends on her bank, how much equity she has in her home and her other debt.
My cousin, who is in her early 70s, decided to use a reverse mortgage to supllement her income. I admit that I am always skeptical of "easy solutions." But for her situation, it seems to have worked.
I know that they come with fees and interest. You are dipping into your equity so, in essence, you are putting up your home against the "loan." When my cousin passes, the debt will have to be honored before her heirs can inherit anything.
I would personally worry if I outlived the amount of equity in my home...does the bank, then, evict you? Not sure.
I do not know much more about them. I would suggest trying other avenues, if possible, before signing any paperwork.
Dear Connie, A reverse mortgage is a complex financial instrument with lifelong consequences. It should be used as part of your financial strategy, to meet your financial goals and provide financial security through retirement. If it meets these goals then you can consider the use (to pay off debt) but never thing how you want to use the money first. I talk to consumers and their families everyday who have been financially devastated by the consequences. Sandy Reverse Mortgage Suitability and Abuse Expert
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Good luck with this,
Carol
I know that they come with fees and interest. You are dipping into your equity so, in essence, you are putting up your home against the "loan." When my cousin passes, the debt will have to be honored before her heirs can inherit anything.
I would personally worry if I outlived the amount of equity in my home...does the bank, then, evict you? Not sure.
I do not know much more about them. I would suggest trying other avenues, if possible, before signing any paperwork.
A reverse mortgage is a complex financial instrument with lifelong consequences. It should be used as part of your financial strategy, to meet your financial goals and provide financial security through retirement. If it meets these goals then you can consider the use (to pay off debt) but never thing how you want to use the money first. I talk to consumers and their families everyday who have been financially devastated by the consequences. Sandy Reverse Mortgage Suitability and Abuse Expert