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    The majority of reverse home mortgages have variable rates, which are connected to a financial index and change with the market. Variable rate loans tend to offer you more choices on how you get your money through the reverse mortgage. Some reverse home loans mostly HECMs use fixed rates, but they tend to require you to take your loan as a lump amount at closing.

    Interest on reverse home mortgages is not deductible on income tax returns up until the loan is paid off, either partly or in full. In a reverse mortgage, you keep the title to your home. That means you are accountable for residential or commercial property taxes, insurance coverage, utilities, fuel, upkeep, and other expenditures. And, if you do not pay your property taxes, keep homeowner's insurance, or maintain your house, the loan provider might require you to repay your loan.


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