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A deferment isn't necessary. Banks are happy to do that kind of financial transformation for you via a reverse mortgage.

(However, it might still be a vote winner. Voters aren't exactly the brightest.)




Reverse mortgages are generally only available in the US after you reach a certain age.


Interesting. Is that due to federal or state regulation? Or a choice by the banks?


I am not sure, it seems to be a combination. The FHA requires the homeowner to be 62 or older for an FHA reverse mortgage. I have never seen a private reverse mortgage advertised, but apparently they exist and from what I have read online, are offereed to those as young as 55- but apparently are marketed to those with fairly expensive homes.




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