Welcome to Florida’s
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The purpose of this site is to be an
educator and tool for your gain of knowledge about reverse
mortgages. Our site is packed with important, easy to read
We feel it is important to break down the steps in a
reverse mortgage, making it easier for you to decide if a
reverse mortgage is the best route for you.
With the knowledge and skill of industry experts,
Florida Premium Reverse Mortgage hope to
give you the proper insight in maintaining a comfortable and
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Reverse Mortgage Analysis!
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• The U.S. Department of Housing and Urban Development, or HUD,
started reverse mortgages in order to help home owners who are
senior citizens pay for their living expenses and rising
• To qualify for a HUD reverse mortgage you must be at least 62
years of age and either own your home mortgage free, or have a
small balance left to pay on your current mortgage.
• A reverse mortgage is when a qualified homeowner borrows
money against the equity they have built up in their home.
• Qualified homeowners may take a reverse mortgage in order to
obtain a lump sum of money, receive a monthly income, or draw
from the line when needed, similar to a line of credit.
The Step by Step
Process for a Reverse Mortgage
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As a result of the upheaval in the mortgage industry,
many mortgage companies and its advisors from the traditional
mortgage business have entered the reverse mortgage field.
Most of these have had little or no experience with
reverse mortgages or working with seniors. As a result, we feel
it is now, more so than ever, important that you work with an
experienced professional reverse mortgage agency and its
Be certain that the originating lender is FHA/HUD
approved, and is a member of the National Reverse Mortgage
Lenders Association. Also, be certain that the individual loan
officer has extensive reverse mortgage experience and that you
are dealing with someone you can TRUST.