HECM for Purchase is a smart way for homeowners to buy their next home using a reverse mortgage—without the burden of monthly loan payments. Whether you choose a fixed or adjustable-rate option, the funds are paid directly to the seller at closing, just like a traditional mortgage. The big advantage? As long as the home remains your primary residence and you keep up with basic requirements like property taxes, insurance, and maintenance, there are no required monthly payments. It’s a great option for those looking to right-size for retirement while keeping more cash in their pockets.
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