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What is a Home Equity Conversion Mortgage?
The main type of reverse mortgage that people get today is the Home Equity Conversion Mortgage, backed by the US Department of Housing and Urban Development (HUD) and the Federal Housing Administration (FHA).
These reverse mortgages are available to people age 62 or older who are interested in leveraging their home equity to gain liquidity, either in the form of a lump sum, monthly payments, or other arrangement. A Home Equity Conversion Mortgage (HECM) is a reverse mortgage available to homeowners age 62 or older, insured by the Federal Housing Administration (FHA).
It allows homeowners to receive an income stream or lump sum payment as a loan based on their home equity, but allows them to remain in the house and not make further payments on their home if they do not want to.
Repayment of the loan must be made if the borrow or joint borrowers die or sell the house. Effectively it allows elderly Americans to sell their homes without moving out and to simply forfeit the right to pass their home on to any beneficiaries.
The HECM works for homes with values up to $625.
Where can I find information about hedge funds and their performance?
About half of all hedge funds are obligated to disclose their performance, and it can be found online through Morningstar
What is Form 6781: Gains and Losses from Section 1256 Contracts and Straddles?
Form 6781 is used to calculate and report gains and losses due from Section 1256 contracts, which covers futures on...
How Do You Sell Bitcoin?
There are several (and a growing number) of ways to sell your bitcoin and/or convert it to cash
How to use Open Interest in trading
Open interest, or OI, can be a very important number for futures, options, and other derivative markets. Open Interest is technically more like the number of outstanding shares
What does correlation mean?
Correlation is a statistical measure of how two or more securities move in relation to each other, over a given time
Who is a Bill Collector?
Bill Collectors jobs are to extract as much payment from those who are past-due on payment obligations
What is Working Capital?
Working capital is computed by subtracting a business’s current liabilities from its current assets
What is a pivot point?
A Pivot Point is calculated by taking the average of the high, low, and close from a previous period in technical analysis for trading
What is the Best Performing Stock Ever?
Based purely on statistics, the “best” performing stock ever between 1957 and 2007 was Phillip Morris (cigarette maker)
What does notional value mean?
Notional Value is used in futures and options to describe the total value of the principal of a contract or transaction, especially when either none or only part of that value..