Popular reverse mortgage program takes 10 percent ‘haircut’

While reverse mortgages have become a bigger part of the senior population’s financial picture, the nation’s most popular program has undergone a mandatory change that will reduce the total proceeds available to Federal Housing Administration (FHA)-insured reverse mortgage borrowers.

The move is in response to a projected $798 million shortfall in the FHA’s budget for the Home Equity Conversion Mortgage (HECM) in fiscal 2010. The fiscal year for the U.S. Department of Housing and Urban Development — the agency that oversees FHA — began Oct. 1. FHA is now shouldering a greater portion...

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