Reverse mortgages are a unique type of loan that has quickly become popular with Americans 62 or older*. \
Reverse mortgages allow homeowners to convert part of their home equity (wealth) inot cash without selling their home. This could be an effective way for seniors to supplement expenses or prepare for unexpected costs (such as medical bills).
Reverse mortgages aren't required to be paid back while the recipient lives in the home, and the recipient keeps the title to the home**. This means they're still responsible for paying property taxes, homeowners insurance, HOA fees, and maintaining the home.
*In Texas both borrower must be 62 or older
**Must comply with terms of mortgage
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