A Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, enables you to access a portion of your home’s equity without having to make monthly mortgage payments.
A Home Equity Conversion Mortgage (HECM) for Purchase is a reverse mortgage that allows seniors, age 62 or older, to purchase a new principal residence using loan proceeds from the reverse mortgage.
A HELOC is a line of credit that requires monthly payments in addition to your existing mortgage, while a HECM allows you to access your home's equity while eliminating your mortgage payments.
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