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The brand new HECM contrary financial observe the standard FHA eligibility criteria to have possessions kind of, meaning extremely step one–cuatro members of the family homes, FHA acknowledged condominiums, and you may PUDs meet the requirements. Are designed property and be considered if they see FHA conditions. Government and you will academics features offered combined comments for the opposite mortgage market. Certain economists believe opposite mortgages can benefit the elderly by the smoothing aside their earnings and you can consumption models throughout the years. Also, the fresh Agency says that numerous users do not use reverse mortgages on the positive, consumption-smoothing motives state-of-the-art because of the economists. Inside Canada, the newest borrower need to find independent legal advice ahead of being qualified for an opposite home loan.

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