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release is a borrowing method for older property owners to access a portion of their property’s equity without selling it.  ",[784],{"type":129,"attrs":785},{"color":12},{"type":777,"content":787},[788],{"type":18,"content":789},[790],{"text":791,"type":22,"marks":792},"There is one main type of equity release in the US called the home equity conversion mortgage (HECM).  ",[793],{"type":129,"attrs":794},{"color":12},{"type":777,"content":796},[797],{"type":18,"content":798},[799],{"text":800,"type":22,"marks":801},"The federal government insures home equity conversion mortgages.  ",[802],{"type":129,"attrs":803},{"color":12},{"type":777,"content":805},[806],{"type":18,"content":807},[808,813,824],{"text":809,"type":22,"marks":810},"A ",[811],{"type":129,"attrs":812},{"color":12},{"text":814,"type":22,"marks":815},"financial 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Interest and fees are added to the loan balance each month, which means that as your balance increases, your home equity decreases.  ",[885],{"type":129,"attrs":886},{"color":12},{"type":18,"content":888},[889],{"text":890,"type":22,"marks":891},"The loan is repaid once the borrower moves out of the property. Typically, the homeowner’s heirs repay the loan by selling the property.  ",[892],{"type":129,"attrs":893},{"color":12},{"type":764,"attrs":895,"content":896},{"level":766},[897],{"text":898,"type":22,"marks":899},"Who is eligible for a HECM? ",[900],{"type":129,"attrs":901},{"color":12},{"type":18,"content":903},[904],{"text":905,"type":22,"marks":906},"HECM can be obtained from banks where the FHA sponsors the product. ",[907],{"type":129,"attrs":908},{"color":12},{"type":18,"content":910},[911],{"text":912,"type":22,"marks":913},"However, HECMs are not available to all homeowners. 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Under the FHA, the borrower must: ",[921],{"type":129,"attrs":922},{"color":12},{"type":774,"content":924},[925,934,943,952,961],{"type":777,"content":926},[927],{"type":18,"content":928},[929],{"text":930,"type":22,"marks":931},"Be 62 years of age or older ",[932],{"type":129,"attrs":933},{"color":12},{"type":777,"content":935},[936],{"type":18,"content":937},[938],{"text":939,"type":22,"marks":940},"Own the property outright or have a small mortgage balance ",[941],{"type":129,"attrs":942},{"color":12},{"type":777,"content":944},[945],{"type":18,"content":946},[947],{"text":948,"type":22,"marks":949},"Occupy the property as their principal residence ",[950],{"type":129,"attrs":951},{"color":12},{"type":777,"content":953},[954],{"type":18,"content":955},[956],{"text":957,"type":22,"marks":958},"Not be delinquent on any federal 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borrower ",[993],{"type":129,"attrs":994},{"color":12},{"type":777,"content":996},[997],{"type":18,"content":998},[999],{"text":1000,"type":22,"marks":1001},"A condominium unit in a HUD-approved condominium project or a single condominium unit approved by HUD in a non-HUD-approved condominium project ",[1002],{"type":129,"attrs":1003},{"color":12},{"type":777,"content":1005},[1006],{"type":18,"content":1007},[1008],{"text":1009,"type":22,"marks":1010},"Manufactured home that meets FHA requirements ",[1011],{"type":129,"attrs":1012},{"color":12},{"type":764,"attrs":1014,"content":1015},{"level":766},[1016],{"text":1017,"type":22,"marks":1018},"Why do people use equity release? ",[1019],{"type":129,"attrs":1020},{"color":12},{"type":18,"content":1022},[1023],{"text":1024,"type":22,"marks":1025},"You can use the money from your HECM for various purposes, including home maintenance or repairs or general living expenses.  ",[1026],{"type":129,"attrs":1027},{"color":12},{"type":18,"content":1029},[1030],{"text":1031,"type":22,"marks":1032},"There are many reasons why a person might want to apply for an equity release from their property.  ",[1033],{"type":129,"attrs":1034},{"color":12},{"type":18,"content":1036},[1037],{"text":1038,"type":22,"marks":1039},"However, there are some potential disadvantages to equity release worth taking note of.  ",[1040],{"type":129,"attrs":1041},{"color":12},{"type":18,"content":1043},[1044],{"text":1045,"type":22,"marks":1046},"HECMs are more expensive than average mortgages as they have high origination, mortgage insurance premiums, and maintenance fees. ",[1047],{"type":129,"attrs":1048},{"color":12},{"type":18,"content":1050},[1051],{"text":1052,"type":22,"marks":1053},"They also come with a high level of risk, as you may lose your home if you do abide by the rules and regulations surrounding your HECM.  ",[1054],{"type":129,"attrs":1055},{"color":12},{"type":18,"content":1057},[1058],{"text":1059,"type":22,"marks":1060},"Some of the reasons you could lose your home include: ",[1061],{"type":129,"attrs":1062},{"color":12},{"type":774,"content":1064},[1065],{"type":777,"content":1066},[1067],{"type":18,"content":1068},[1069],{"text":1070,"type":22,"marks":1071},"If you fail to keep the property in good condition ",[1072],{"type":129,"attrs":1073},{"color":12},{"type":774,"content":1075},[1076,1085],{"type":777,"content":1077},[1078],{"type":18,"content":1079},[1080],{"text":1081,"type":22,"marks":1082},"If you fail to pay your property taxes or insurance ",[1083],{"type":129,"attrs":1084},{"color":12},{"type":777,"content":1086},[1087],{"type":18,"content":1088},[1089],{"text":1090,"type":22,"marks":1091},"If the home stops being your primary residence for over 12 consecutive months ",[1092],{"type":129,"attrs":1093},{"color":12},{"type":764,"attrs":1095,"content":1096},{"level":766},[1097],{"text":1098,"type":22,"marks":1099},"Is a HECM safe? ",[1100],{"type":129,"attrs":1101},{"color":12},{"type":18,"content":1103},[1104],{"text":1105,"type":22,"marks":1106},"HECMs are a legal borrowing strategy that millions of property owners use yearly.  ",[1107],{"type":129,"attrs":1108},{"color":12},{"type":18,"content":1110},[1111],{"text":1112,"type":22,"marks":1113},"HECMs are the only reverse mortgages insured by the U.S. Government and are only available through a Federal Housing Administration (FHA) approved lender.  ",[1114],{"type":129,"attrs":1115},{"color":12},{"type":18,"content":1117},[1118],{"text":1119,"type":22,"marks":1120},"If you’re unsure about taking out a HECM, you can always work with an expert, regulated financial advisor who can guide you in the right direction. SEC-regulated and fiduciary financial advisors operate in your best interests and will help you make the right decisions when it comes to your finances.  ",[1121],{"type":129,"attrs":1122},{"color":12},{"type":764,"attrs":1124,"content":1125},{"level":766},[1126],{"text":1127,"type":22,"marks":1128},"Get expert financial advice ",[1129],{"type":129,"attrs":1130},{"color":12},{"type":18,"content":1132},[1133],{"text":1134,"type":22,"marks":1135},"Equity release is a strategy for obtaining some of your property’s tied-up value without downsizing or selling it.  ",[1136],{"type":129,"attrs":1137},{"color":12},{"type":18,"content":1139},[1140],{"text":1141,"type":22,"marks":1142},"However, like with all big financial decisions, it’s best to get expert advice beforehand. A regulated financial advisor can review your circumstances and create a personalized financial plan that will help meet your goals.  ",[1143],{"type":129,"attrs":1144},{"color":12},{"type":18,"content":1146},[1147,1153],{"text":1148,"type":22,"marks":1149},"Unbiased can match you with an expert financial advisor perfectly suited to meet your needs, meaning you’ll get the financial advice you need to make the best decisions for your future. ",[1150,1151],{"type":38},{"type":129,"attrs":1152},{"color":12},{"text":1154,"type":22,"marks":1155}," ",[1156],{"type":129,"attrs":1157},{"color":12},{"type":18,"content":1159},[1160,1169,1175],{"text":1161,"type":22,"marks":1162},"Find your financial advisor now",[1163,1165,1166,1168],{"type":31,"attrs":1164},{"href":818,"uuid":34,"anchor":34,"target":819,"linktype":36},{"type":38},{"type":129,"attrs":1167},{"color":12},{"type":823},{"text":1170,"type":22,"marks":1171},". ",[1172,1173],{"type":38},{"type":129,"attrs":1174},{"color":12},{"text":1154,"type":22,"marks":1176},[1177],{"type":129,"attrs":1178},{"color":12},"article-rich-text",[1181],{"_uid":1182,"image":1183,"title":1186,"component":1200,"breadcrumbs":558},"3e3f5a7a-956c-42a0-9af2-55cc1d0b82da",{"alt":12,"name":12,"title":12,"filename":1184,"copyright":12,"fieldtype":1185},"https://a.storyblok.com/f/185166/3368x2245/2a103d0a0a/equity-release.webp","asset",{"type":15,"content":1187},[1188],{"type":18,"content":1189},[1190,1192,1198],{"text":1191,"type":22},"What is ",{"text":1193,"type":22,"marks":1194},"equity release",[1195],{"type":25,"attrs":1196},{"class":1197},"primary-gradient",{"text":1199,"type":22},", and how does it work?","app-hero",{"name":1202,"created_at":1203,"published_at":1204,"updated_at":1205,"id":1206,"uuid":1207,"content":1208,"slug":1217,"full_slug":1218,"sort_by_date":34,"position":1219,"tag_list":1220,"is_startpage":543,"parent_id":1221,"meta_data":34,"group_id":1222,"first_published_at":1223,"release_id":34,"lang":730,"path":34,"alternates":1224,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Unbiased team","2024-01-18T11:49:29.332Z","2024-01-24T16:17:31.264Z","2024-01-24T16:17:31.285Z",429182198,"a38620a4-ad81-47d5-b2fe-9fe933abd010",{"job":1209,"_uid":1210,"name":1202,"image":1211,"component":1215,"description":1216},"Writers","a6e3129c-eeee-4438-8204-797883981521",{"id":1212,"alt":12,"name":12,"focus":12,"title":12,"source":12,"filename":1213,"copyright":12,"fieldtype":1185,"meta_data":1214,"is_private":12,"is_external_url":543},13850198,"https://a.storyblok.com/f/185166/400x400/232c6cb764/unbiased-team.jpg",{},"article-author","Our team of writers, who have decades of experience writing about personal finance, including investing and retirement, are here to help you find out what you must know about life’s biggest financial decisions.","unbiased-team","authors/unbiased-team",-10,[],224651374,"170282a1-0fe6-4cf3-ab19-04639ed3474c","2023-04-03T07:50:42.397Z",[],[1226],{"_uid":1227,"body":1228,"title":1245,"component":1246},"2b1d7167-ae93-42b5-8db7-fa4d0614f783",[1229,1233,1237,1241],{"_uid":1230,"href":1231,"text":1232,"component":542,"openInNewWindow":558},"2e0f0b65-331a-4871-9fa4-ed7f3e3ee5e1","https://www.unbiased.com/discover/investing/private-equity-vs-venture-capital","Private equity vs venture capital",{"_uid":1234,"href":1235,"text":1236,"component":542,"openInNewWindow":558},"05c4ab54-8a56-4a41-b949-37887244e5a6","https://www.unbiased.com/discover/investing/hedge-fund-vs-private-equity","Hedge fund vs Private equity",{"_uid":1238,"href":1239,"text":1240,"component":542,"openInNewWindow":558},"eab77e78-36bd-4625-bd11-913c6b9c67e9","https://www.unbiased.com/discover/banking/cheapest-state-to-buy-a-house","Cheapest state to buy a house",{"_uid":1242,"href":1243,"text":1244,"component":542,"openInNewWindow":558},"33be33c1-5141-41f9-94e6-6b04df08709f","https://www.unbiased.com/discover/banking/house-price-statistics","House price statistics","Related articles","app-links-list",{"title":1248,"plugin":1249,"og_image":12,"og_title":12,"description":1250,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"What Is Equity Release And How Does It Work?","seo_metatags","Understand equity release and how it works, including how to determine whether it might be a good option for you. ","app-article",[],[],"If you are an older property owner, you may qualify for equity release, but it is important to know what it is and what your options are before you make any big financial decisions.  ",[],"equity-release","discover/investing/equity-release",-30,[],365491304,"dd96c866-6851-4c3d-84af-9a8349099b7f","2024-03-28T13:17:00.651Z",[],{"left":727,"top":727,"width":1265,"height":1265,"rotate":727,"vFlip":543,"hFlip":543,"body":1266},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1268,1271,1272],{"title":1269,"exact":558,"href":1270},"Home","https://www.unbiased.com",{"title":282,"exact":558,"to":295,"disabled":543},{"title":750,"exact":558,"to":1273,"disabled":558},"/discover/investing/equity-release",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1275},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777193246593]