Enjoy your Senior vacation years with Denver Reverse Mortgages

Denver Reverse Mortgages


"Reverse Mortgage Specialist; Richard Wise is the quality provider of reverse mortgages in Denver, as well as providing reputable reverse mortgage lender recommendations to interested seniors and their families."  This is Denver Real Estate Reverse Mortgage information at its finest.

Reverse Mortgage Qualifications

  • Loan based on Equity Only
  • No income qualifying
  • The extra monthly income to improve your quality of life
  • Hud-Sponsored counseling available
  • Easy Online Application
  • Approved FHA home equity conversion (HECM) lender
  • Loan backed and guaranteed by the Federal Government (HUD)
  • Must be at least 62 years old

   Benefits of Reverse Mortgages

  • Designed and insured by the US Government
  • No credit qualifying
  • Allows you to maintain your financial independance
  • Cash recieved from the reverse mortgage is TAX FREE!
  • Numerous Payment Options:
    - Lump Sum
    - Line of Credit
    - Monthly Payments OR
    All Three




Reverse Mortgage Costs

Home Equity Conversion Mortgage

HECM refers to a reverse mortgage insured by HUD and the FHA. All of the reverse mortgages issued in 2009 and 99% of all volume in 2008 were HECMs. The FHA’s HECM program contains special requirements like HUD counseling and a property value ceiling. The HECM property value ceiling is currently at $625K. This means that if the home is appraised for more, the loan amount will be based on the $625K value.

In 2010, the FHA added a third HECM product to its program, called the HECM Saver. Thus FHA’s HECM program now includes the HECM Saver, HECM Standard, and HECM for Purchase.










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