The Home Buyer's Korner

Information presented should be used for educational purposes only.

October 31st, 2015

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GREATER HONOLULU HAWAII

The Home Buyer’s Korner

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Reverse Mortgages

Portrait of senior couple in front of their home

Many of us have seen the commercials and heard the term “Reverse Mortgage”, otherwise known as Home Equity Conversion Mortgages or HECM when insured by HUD, but not sure how they work. The program is offered by HUD for those among us who are 62 years of age or older. It’s a way some homeowners can borrow against the equity in their home without having to make monthly repayments and you can borrower in several different ways. For example, you can receive a lump sum or establish a home equity line of credit and draw against the account as funds are needed.

You continue to live in your home, maintain your home and pay all the taxes, insurance and association dues until the last borrower leaves the home.

There’s a lot more caveats you need to know before you determine if a reverse mortgage is right for you, and I’ll break down your options in this post so you’ll have a good outline to work with when talking with your lender.

First and foremost a reverse mortgage should not be gone into lightly. Individuals considering a reverse mortgage not only should get all the facts from their lender, but I’d recommend discussing this option with your closest family members before making any decision.

HUD also wants you to know what is involved and requires any potential home owner considering a reverse mortgage get the facts by attending a counseling course with a HUD certified nonprofit agency, who will explain the process. As with any mortgage these reverse mortgages have pros and cons.

Let’s address some basic facts that make a reverse mortgage appealing to some.

  1. You do not make payments and the repayment terms are not required until the end of the loan term.
  2. The money you receive can be taken in different forms:
  3. It can come as an initial payment of your equity;
  4. Tenured or monthly payments that continue throughout your life or as long as you live in the home;
  5. Term Payments – Loan terms which you and your lender agree upon;
  6. Line of Credit;
  7. Modified Term payment (a Combination of payment plan and line of credit);
  8. Modified Tenure payments (A Combination of a tenure plan and line of credit)
  9. Other options may exist;
  10. The money you receive is generally not considered taxable income, but I strongly recommend you speak with an accountant to make sure before making any decisions.
  11. You can eliminate mortgage payments by paying off your existing mortgage;
  12. Your income and credit score is not a consideration when qualifying for a reverse mortgage.

Your principal balance will be determined by a formula of your age and the market value of your home at the time you take out the HECM Reverse mortgage, if the market goes up or down your loan payoff remains the same. Beware though; there are some products that are not insured by HUD where you could be personally liable if your mortgage exceeds the then market value of your home. If you are considering a reverse mortgage, make sure it is insured by the Department of Housing and Urban Development.

Let’s discuss some of the drawbacks:

  1. The reverse mortgage is complicated and why you need to attend counseling course with a HUD certified nonprofit agency. These agencies aren’t interested in making a commission and not affiliated with the lenders. Be sure to ask all the questions you want and don’t stop asking until you feel confident you understand how the program works;
  2. They can be relatively expensive compared to other alternatives, so it’s important to compare what several reverse mortgage lenders offering both in terms and lender costs to prepare service your reverse mortgage;
  3. The reverse mortgage is only offered as as Adjustable Rate Mortgages (ARMS);
  4. A reverse mortgage can affect your eligibility for public assistance benefits such as SSI; Medicaid and Medical, so get the fact directly from those agencies before proceeding with a reverse mortgage;
  5. It’s likely to reduce the equity in your home and the estate you leave to your heirs;
  6. There are many rules that accompany a Reverse Mortgage such as, you cannot rent the home or leave the home for a continued period of time or your loan may become due and payable;
  7. If you want to leave your home to your heirs, you will leave them only with the equity in your home left after paying in full the Reverse Mortgage;
  8. A spouse not on the HECM note and mortgage could have to leave the property upon the death of, or permit change of legal address by the borrowing spouse.

So, how does the reverse mortgage term end? The loan term ends when the last surviving borrower dies; moves away; permanently leaves the home; or the home is sold and title to the home is transferred.

When the term ends what will be owed is the money you borrowed, the accrued interest and any financed fees, or loan costs you incurred to establish your reverse mortgage.

As individuals are living longer, we need to plan financially and see to it that there is enough cash to live comfortably in our retirement years and you don’t want to outlive your cash. As pensions get cut or removed and as other expenditures emerge, seniors are now forced to take a look at other alternatives. Some have returned to work to make ends meet, while others have cut their expenditures, and can’t enjoy their retirement. Many elderly homeowners are living with the solution that can help them fulfill their retirement years and might not even realize it, but first and foremost, be an informed consumer and seek the advice of trusted advisors like your accountant, your lawyer and your family.

HONOLULU HOMES FOR SALE LISTINGS

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FIND HOMES THROUGHOUT HONOLULU HAWAII

HUD FORECLOSED HOMES IN & AROUND THE GREATER HONOLULU HI AREA

USDA FORECLOSED HOMES IN & AROUND THE GREATER HONOLULU HI AREA

FNMA HOMEPATH FORECLOSED HOMES IN & AROUND HONOLULU HI

FIND MORE FORECLOSURES IN & AROUND HONOLULU HI

HAWAII HOME OWNERSHIP TOOLS

Your Home Purchasing or Refinancing & Renovation Tools,

Home Improvements, Home Renovations,

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase.

Here are just a few of the home improvements

you might consider with any Home Renovation loan

Repair or replace a roof

Install, replace or repair gutters and downspouts

Replace, repair or upgrade your HVAC system

Repair or replace plumbing

Install, repair or replace electrical systems

Kitchen remodeling (including the purchase and installation of appliances)

Bathroom remodeling, Full interior painting, Total exterior painting

Repair or replace a septic system and/or well

Disability access (wheelchair ramp, elevator, widen doorways)

Build, repair or replace deck, patio or porch

Basement waterproofing and finishing

Abatement/Stabilization of lead-based paint hazards

Replace old windows, Room additions, Finish an attic

Add a second story to your home

Replace a termite damaged sill plate (a water-damaged sill plate also)

Possible landscaping items such as correction of grading & drainage problems,

tree removal, repair a driveway and sidewalks

FHA 203K

Your Home Purchasing or Refinancing & Renovation Tool

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

FANNIE MAE HOMESTYLE

The Conventional Alternative to FHA 203K

Great for Real Estate Investors and Second Home Renovations

Mortgage Loan Officers, Real Estate Agents & General Contractors

are ready to assist you with your home purchase

USDA RURAL DEVELOPMENT

Up to $10K for Home Improvements, Renovations or a Simple Remodel

Mortgage Loan Officers, Real Estate Agents & General Contractors are ready to assist you

A SIMPLE HOME SHOPPING INSPECTION TOOL

Organizing your home shopping experience affords a wise decision-making process.

This simple home inspection tool makes your ultimate buying decision a smart one.

To print this document click on “Open in New Window” located at the lower right corner;

click on “File”; then click on “Print”. In the center of the screen you will

have the option to “Create A Printable PDF of the Presentation”.

START YOUR PATH TO HOME OWNERSHIP TODAY

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Pl Robinson Ln KAWANANAKOA PL Kawananakoa Pl Kaikuahine St Kaikuahine St Kaikunane Loop WYLLIE ST Wyllie Pl Wyllie St Lanai St LANAKILA AVE Lanakila Ave McGregor Ln AHIAHI PL KANOA ST KEPOLA PL LAA LN PALAMEA LN LOI KALO SING LOY LN Kaimuohema Pl Malino Pl Mcgrew Ln Pelekane Dr Keola St Keolewa Pl Keolewa Pl KEONAONA ST Keonaona St Homes for Sale REO Short Sales FNMA HomePath Properties HUD Homes USDA Homes Non-Warrantable FNMA FHLMC FHA VA USDA Approved Condominiums Co-Ops Town Homes Manufactured Homes Modular Homes Mobile Homes Log Homes Second Homes Investment Property 2-4 Family Custom Home Builders Custom Built Homes Luxury Homes Real Estate Brokers & Agents Down Payment Assistance Honolulu Halekauwila St Olomana Ln Vineyard Blvd Cooke St LAUHALA ST Lauhala St Laukoa Pl Laola Pl Curtis St Kalamaku St Ahui St Lauoha Pl Queen Emma St Bishop St Bishop St Queen St Kalili Pl Anianiku St Funchal St King St Nonanona Pl Boyd Ln Prospect St San Antonio Ave Namilimili St Namokueha St Kaloko Ln Queen St KEALANANE AVE KEKUILANI VLG Tantalus Dr Akaka Ln Lunalilo St Kamalalehua Pl Lunalilo St Kamamalu Ave KAMANI ST SCHOOL ST Queen Emma St South St Kuakini St Kukui St Azores St Kinalau Pl Aaliamanu Pl Kinau St Kinau St MAGELLAN AVE Magellan Ave Bishop St Kuakini St Haalelea Pl Keawe St Queen St Bishop Street Pakohana St Hookui St Lusitana St Kanealii Ave St Mauka South St Lusitana St LUSITANA ST MILLER ST Star Rd Richards St Prospect St Kaola Way Alakea St Pohukaina St Kapahu St Naone St Queen St KAPALOALA PL Kapaloala Pl Kapalu St Tantalus Dr Kapiolani Blvd Pali Hwy KAPULEI ST Pauoa Rd SCHOOL AUWAIOLIMU ST AUWAIOLIMU ST AUWAIOLIMU ST Pacific Heights Rd BOOTH RD MAKAAOU ST KAM HWY LELEULA PL WAIHOLE VALLEY RD WAIKUPANANHA ST COMM PARK KAM HWY KAMAAHA Waimalu Valley Rd Whiting St KAUMUALII HWY STREAM KIAHUNA PLTN RD KUHIO HWY King St KEAUNUI DR Spencer St LANILOA RD Ukuwai St Captain Cook Ave Beretania St ALAPAI ST Alapai St GOLF COURSE TEE PROPANE TANK SITE Kekuanoni Pl Kekuanoni St Richards St MOKUHANO Hiolani Pl Wailani Rd Curtis St Haweo Pl Miller St Concordia St Waimanu St Ohai Ln Kapiolani Blvd Ohelo Ln Frear St Iolani Ave Manele St Koalele St Merchant St Pacific Hts Rd Haili Rd Iaukea St Bush Ln Bishop St Hiilani St Hiilawe St Harbor Court 66 Queen St Madeira St Uhini Pl School St Barron Ln ALA MOANA BLVD Pacific Heights Pl Pacific Heights Rd Pacific Heights Rd Aaliamanu Pl Andrews Ln LADD LN Kolonahe Pl Vineyard St Cottage Walk Beretania St Huali St NAMAHOE Huanu St BEACH RESERVE HALEKAUWILA ST St Makai Laniloa Rd Laniloa Rd Emerson St Auwaiolimu St Ahekolo St Polulani Pl Queen St Freeland Pl Lae St Puna Ln Milo Ln Punchbowl St S Kukui St Von Hamm Pl Booth Rd Puowaina Dr Puowaina Dr PUOWAINA ST Bethel St Kauhane St Kauila St Booth Rd Green St Liko Ln Kaululaau St MOREIRA ST Moreira St Leilehua Ln Nehe Ln Kaia St Kawaena Pl Pacific Heights Rd ANIANIKU ST AUWAIOLIMU ST AUWAIOLIMU DR PAUOA RD PAUOA STRM Naale St BISHOP KRAUSS ST Krauss St BARBERS POINT NAS FARRINGTON HWY Pele St Keopua St Huelani Pl Huelani Dr Huelani Pl Kamehameha Ave Parker Pl Clio St Poelua Pl Poelua St Haawale Pl Alekoki Pl Hoomaha Way Aleo Pl Hoonanea St Davenport Pl Peneku Pl Davenport St Pauma Pl Paumaka Pl Punahou Chalet Alexander St Papala St Kanu St Wilder Ave Kaonawai Pl Evelyn Ln Spencer St Makiki St Makiki St Vancouver Dr Pawaina Pl Pawaina St Pawale Pl Vancouver Pl Lower Rd Vista Pl Makiki St Hulu Pl Alexander St Victoria St Rainbow Dr Lowrey Ave Lowrey Ave LOWREY ST Hopena Way Mott Smith Dr Ualakaa Pl Ualakaa St Haena Dr Poki St Karratti Ln Hanupaoa Pl McCully St Anoai Pl Anoai Pl Koaniani Way Koaniani Way MAKALE A ST Uluwehi Pl Linohau Way Hunnewell St Hunnewell Pl HUNNEWELL ST Sonoma Pl Sonoma St Ferdinand Ave HAIKI PL Clark St Manoa Rd Manoa Rd Enos Ln HAIKI Ualakaa St UHINI PL UHINI PL WILDER AVE BEAUMONT WOODS Beaumont Woods Pl Manoa Rd Griffiths St Alihilani Pl Hillside Ave Kolomona Pl Kolowalu St Komaia Pl Komaia Dr Komaia Pl East Manoa Road Poloke Pl Pololei Pl Pensacola St Lipioma Way Makiki St Makiki Heights Dr Makiki Heights Rd MAKIKI HEIGHTS DR Makiki Pl Makiki St Lanihuli Dr Halekula Way Lanikaula St Halelani Dr Halelea Pl Halelena Pl Spreckels St Oliver St Malama Pl Rocky Hill Pl NEHOA PL Nehoa St Liholiho St Liholiho St Liholiho St Num809 St Judd Hillside Rd JUDD HILLSIDE ST Leiloke Dr Prospect St Waakaua Pl Waakaua St Waaloa Pl Waaloa Way OLOPUA ST Lawa Pl Green St Kawika Pl Ahualani Pl Anuenue St Ventura St Keoni St Pawaina St Aina Lani Pl Aina Lani Way Nakiu Pl HASSINGER Hassinger St PROSPECT ST Aolani Pl Hiehie St Prospect St Lelehune Pl Dole St Dole St Metcalf St Puunanea Pl TOP DR Marques St Keahi St Keahi Pl Luna Pl Keahi St Woolsey Pl Piikoi Pl Piikoi St Keama Pl Lunalilo St Lunalilo St Wilder Ave KEEAUMOKU ST Beckwith St KEEAUMOKU ST Prospect Pl Ernest St Lunalilo St PROSPECT ST MAUNAIHI Magazine St Beckwith St KEEAUMOKU ST Ward Ave Pakanu Pl Pakanu St Anapuni St Lono Pl Lilo Pl Liloa Rise Damon St Kuahine Dr Mauna Pl Maunaihi Pl Maunalaha Rd Nanihale Pl Naniu Pl UNIVERSITY Keeaumoku St Keeaumoku Pl Keeaumoku St SEA VIEW AVE University Ave Wilder Ave PROSPECT ST Prospect St Seaview Ave Akaka Pl Wilder Ave Ward Ave Mott-Smith Dr MOTT SMITH DR Mott-Smith Dr Pilikino St Pililani Pl Dominis St Loomis St Kinohou Pl Kumu Pl Kumu St Halulu Way Kumukoa Pl Kumukoa St Kumulani Pl Kumulani St Kumuone St Kumuwai Pl Mamane Pl McKinley St One St Loomis St Oneele Pl MANAMANA PL Armstrong St Napuaa Pl Kewalo St Armstrong St Nipo St Waipuna Rise Wilder Ave Makiki Hts Dr Pinao Pl Pinao St Pinaoula Pl Pinaoula St Whitney St Terrace Dr Brown Way Hyde St Chamberlain St Puaena Pl CLEMENT ST HIPAWAI PL Heulu St Alani Dr Emekona Pl Melemele Pl ALAULA WAY Oahu Ave Oahu Ave Seaview Ave Atherton Rd Seaview Rise Atherton Rd Mahi Pl Puhala Rise Puhala Rise ROUND TOP DR Round Top Dr Round Top Ter Hoalu Pl Okika Pl Pulena Pl PULENA ST Mohala Way Farrington St Plumeria Pl KAWIKA PL Huapala St Anoai Pl Maile Way Punahou St Nehoa St MANOA RD MANOA AVE Manoa Rd Kaaipu Ave Loi St Kaala Pl Kaala St Kaala Way Wilder Ave KAAMALIO DR Kaamalio Dr Cooper Rd Kahaloa Dr Kahaloa Dr Kahaloa Pl Vancouver Dr Kahawai St Anela Pl Kahewai Pl Artesian Way Moku Pl Doris Pl Loulu St Kahiwa Pl Woodlawn Dr Loulu St Prospect St Lewalani Dr Lewalani Dr Avon Way Kaihee St Alexander St Pamakani Pl Woodlawn Dr Momi Way TANTALUS DR Kakela Dr Tantalus Dr Kakela Iki Pl Kakela Pl Kalaiopua Pl Awapuhi St Woodlawn Terrace Pl Thurston Ave Aina Lani Way Judd Hillside Rd Round Top Dr Kalawahine Pl Kalawahine Pl Kalawao Pl Kalawao St Pamoa Rd Kalehua St Dole St Continental Plaza Lunalilo St Pipa Pl Puu Kakea Pl Puu Nanea Pl Puualii Pl Puuhonua St Paty Dr Kaloa Way KALOALUIKI PL Kaloaluiki St

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