Reverse Mortgages
At one time, reverse mortgages had a bad reputation. In addition to being heavily marketed by celebrity spokesmen, abuses and misuse were rampant. As a result, the federal and state authorities stepped in and tightly regulated the products.
A reverse mortgage is conceptually the same as a traditional mortgage, except that there is no set monthly repayment required. Instead of using the money only to purchase or renovate a house, the proceeds of the reverse mortgage can be used by the borrower for virtually anything they wish. To qualify, you must be at least 62 years of age, have no other federal debt, have enough income to cover tax, insurance and maintenance expenses associated with the house and receive certified counseling on home equity options. The property must be your primary residence and meet all FHA property, flood, health and safety standards and receive an FHA appraisal.
We have a more detailed discussion of reverse mortgages in this article on our website.
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At Stout Bowman every investment client is first a financial planning client; it's important to go through that process before we make any professional investment recommendations. Therefore, we strive to make financial planning understandable and comfortable every step of the way. One way to do that is to provide our clients access to financial education resources. To that end, we have subscribed to educational websites to receive their news feeds and present a list of their latest ten articles on a page on this website. Currently, we offer