Nkwụghachi ụgwọ nnyefe (HECM) ndabara, nyocha ụlọ obibi, yana ikike ndị anaghị agbazinye ego¶

Ịnata "N'ihi na a ga-akwụ ụgwọ" Ọkwa Ọsọ ọsọ ** ma ọ bụ iyi egwu mwepu na mkpuchi ego gọọmentị etiti ** Home Equity Conversion Mortgage (HECM) ma ọ bụ mgbazigharị nke ụlọ bụ nsogbu na-atụ egwu maka onye nwe ụlọ, onye na-ebi ndụ ** onye na-abụghị di na nwunye (NBS) nne na nna ma ọ bụ nne na nna toro eto. N'ihi na a na-ere ego mgbazinye ego dịka "enweghị nkwụnye ụgwọ ego kwa ọnwa" mbinye ego, ndị na-agbaziri ego na ezinụlọ na-enwekarị anya ka ha mụta na onye na-agbazinye ego (dị ka PHH Mortgage / Celink, Longbridge Financial, Finance of America Reverse, ma ọ bụ HUD / Novad) nwere ike ịkpọ ** ego nbinye ego zuru ezu ozugbo n'ihi na a ga-akwụ ụgwọ 1 ma malite ịkwụ ụgwọ anọ. na ** ụtụ ụlọ, mkpuchi ndị nwe ụlọ, ma ọ bụ ụgwọ HOA ("Tax na Insurance / T & I Default") ***, (2) na-agaghị eweghachi akwụkwọ ozi akwụkwọ ikike obibi kwa afọ ** ma ọ bụ na-etinye ọtụtụ ọnwa n'ụlọ ọgwụ / ụlọ ọrụ nhazigharị, (3) na-enweghị ike ịnọgide na-enwe ọnọdụ anụ ahụ nke ụlọ, ma ọ bụ (4) na-agbaziri ** ọnwụ nke **.

N'agbanyeghị akwụkwọ ozi onye ọrụ ike na-achọ nkwụghachi ego nbinye zuru oke n'ime ụbọchị 30, ụkpụrụ Department of Housing and Urban Development (HUD) Federal Department of Housing and Urban Development (HUD) (24 C.F.R. Part 206 na HUD Single Family Housing Policy Handbook 4000.1) na-echebe ndị agadi, ndị di na nwunye na-adị ndụ, na ndị nketa. Dabere na ihe na-akpalite, ị nwere ike ịkwụsị mgbagha site na iji mgbatị ihe ize ndụ nke ọnwa 60 HUD (maka ndị na-agbazinye afọ 80+ nwere mkpa ahụike siri ike) , Atụmatụ ịkwụghachi ụgwọ HECM ọnwa 60, oge nkwụsịtụ maka onye tozuru etozu na-anaghị agbazinye onye ọlụlụ* (ọbụlagodi n'ụlọ ikpe na-enweghị onye na-agbazinye ego). 2021-11), ma ọ bụ ** Pasent 95 nke ndị nketa na-anaghị akwụghachi ụgwọ nkwụghachi ụgwọ ** nwere ihe ruru ọnwa 12 nke ndọtị HUD akpaka ***.

Mee nke a ugbu a¶

1. ** Chọpụta kpọmkwem ihe na-akpali akpali e bipụtara na "Ọrịa nke a na-akwụ ụgwọ na nke a ga-akwụ ụgwọ" ozugbo: ** Lee anya n'elu akwụkwọ ozi onye ọrụ iji hụ nke a na-enyocha n'ime igbe atọ a: (A) Tax na / ma ọ bụ ihe ize ndụ mkpuchi (ọganihu ụlọ ọrụ), ** (B) Onye na-abụghị onye bi / ọdịda ị nweta akwụkwọ ikike, obibi ma ọ bụ ebe obibi ) Onye nbibi. Ihe mkpali ọ bụla nwere usoro ọgwụgwọ mbelata HUD dị iche na ngwugwu akwụkwọ.
2. ** Ggwọta "Ezigbo obibi" n'ime awa 24 ma ọ bụrụ na onye gbaziri agbaziri ka bi n'ụlọ (ma ọ bụ nọrọ na ebe a na-arụzigharị / nlekọta maka ihe na-erughị ọnwa iri na abụọ): A na-akpọ ọtụtụ puku ego mgbazinye ego n'ụzọ na-ezighị ezi na-akwụ ụgwọ kwa afọ naanị n'ihi na onye na-agbazinye ego merela agadi na-efunahụ ụlọ ọgwụ ọ bụla n'ime ọnwa ma ọ bụ akwụkwọ ozi* 3. ụlọ ọrụ nọọsụ. N'okpuru 24 C.F.R. § 206.39 na § 206.27©, anọghị nwa oge maka nlekọta ahụike ma ọ bụ nhazigharị nke ** ruo ọnwa iri na abụọ na-esochi ** adịghị emebi iwu ụlọ obibi bụ isi. Binye aka ozugbo na fax/email nke akwụkwọ asambodo obibi obibi kwa afọ ** yana ụgwọ ọrụ abụọ dị ugbu a (ọkụ eletrik, mmiri ma ọ bụ gas) yana ndetu dọkịta na-akwado onye na-agbaziri agbaziri bi n'ụlọ ma ọ bụ ga-alọghachi tupu akara ọnwa iri na abụọ.
3. ** Rịọ ihe "Nrịịba n'ihe ize ndụ" (Onye na-agbazinye afọ 80+ nwere ihe isi ike ahụike) ma ọ bụ "atụmatụ ịkwụghachi ọnwa 60" maka ndabara ụtụ isi na mkpuchi mkpuchi: ** Ọ bụrụ na onye ọrụ ahụ kwalitere ego iji kwụọ ụtụ ihe onwunwe agafeela ma ọ bụ mkpuchi ndị nwe ụlọ ("Ọganihu ụlọ ọrụ"), ** ekwela ka ha nwetaghachi. N'okpuru HUD Handbook 4000.1, ọ bụrụ na onye nbinye kacha nta bụ ** afọ 80 ma ọ bụ karịa ** ma nwee ọnọdụ ahụike siri ike (nke dọkịta kwadoro) nke na-egbochi ịkwaga, onye ọrụ ahụ nwere ike ịrịọ maka mmegharị 12-ọnwa HUD "Ntinye ihe ize ndụ" nke na-akwụsị ịgbachi kpamkpam. Maka ndị ọzọ niile na-agbaziri ego, rịọ maka ** Ntụle Ego & 12-to-60-Month HECM Nkwụghachi Atụmatụ** (ebe ị na-akwụ naanị 25% nke "Nkwụsị Ego" kwa ọnwa maka ụtụ isi / mkpuchi mkpuchi), ma ọ bụ tinye akwụkwọ ma ọ bụrụ na steeti gị ka nwere oghe ** Onye nwe ụlọ na-enye onyinye (HAF) ma ọ bụ ihe mmemme inye onyinye.
4. ** Kwupụta "Eligible Non-Borrowing Spouse (NBS) Oge Nkwụsị" ozugbo ọ bụrụ na di gị ma ọ bụ nwunye gị nwụrụ: ** Ọ bụrụ na di ma ọ bụ nwunye gị bụ naanị onye e depụtara dị ka "Borrower" na ndetu HECM (na-abụkarị n'ihi na ị nọ n'okpuru afọ 62 mgbe mbinye ego ahụ mechiri) na di gị ma ọ bụ nwunye gị nwụrụ, ** ị gaghị akwụ ụgwọ ịgbazinye ego ma ọ bụrụ na ị ga-akwụ ụgwọ n'oge ọ bụla ị ga-akwụ ụgwọ. ekpughere ọnwụ ha na akwụkwọ mbinye ego (maka post-August 4, 2014 Case Numbers, ma ọ bụ tozuo n'okpuru HUD's gbasaa ** Mortgagee Nhọrọ Nhọrọ / MOE** maka tupu August 4, 2014 mgbazinye ego), na-nara n'ụlọ dị ka gị isi ebe obibi. N'okpuru HUD Mortgagee Letter 2021-11, HUD ** kagburu ihe a chọrọ ** na di na nwunye na-anaghị agbazinye ego gosipụtara aha iwu nwere ike ịre ahịa ma ọ bụ nyefee akwụkwọ ikike n'ime ụbọchị 90, naanị ihe ị ga-achọ ka ị gaa n'ihu na-ebi n'ụlọ wee debe ugbu a na ụtụ isi na mkpuchi ihe onwunwe n'ọdịnihu.
5. ** Zipu "Ọkwa nke Ndị nketa" n'ime ụbọchị 30 nke ọnwụ onye gbaziri agbachi ka ọ kpọchie n'ime ọnwa 6 + abụọ 90 ụbọchị (ngụkọta ọnwa 12) na iwu 95%: ** Ọ bụrụ na nne na nna anwụọla ma ị bụ onye nketa / onye ọrụ, ị nwere ụbọchị mbụ ** ọnwa isii nke ọnwụ, gbakwunyere ụbọchị 9 na ọnwa isii. (ihe ruru ọnwa iri na abụọ), ire ụlọ ma ọ bụ megharịa ya. Ọ ka mma, ma ọ bụrụ na nnyefe ego bụ "n'okpuru mmiri" (dịka ọmụmaatụ, nguzozi nbinye ego eruola $ 350,000, mana ụlọ ahụ bụ naanị $ 260,000), iwu gọọmenti etiti ( 24 C.F.R. § 206.125 (a) (2) na § 206.107 na-enye ezinụlọ ya ezi na ụlọ **) site n'ịkwụ onye obere nke (a) nguzozi nbinye zuru oke, ma ọ bụ (b) pasent 95 nke uru ahịa ahịa ziri ezi nke HUD kwadoro ugbu a ($ 247,000) **, yana mkpuchi FHA na-ehichapụ ụgwọ $ 103,000 fọdụrụnụ ruo mgbe ebighị ebi.
6. ** Jikọọ na onye ndụmọdụ HECM kwadoro HUD (1-800-569-4287) ma chebe nchekwa ndị agadi bi:** Kpọọ ahịrị ndụmọdụ ụlọ nke HUD na 1-800-569-4287 ma jụọ kpọmkwem maka ** HUD-gbaara akwụkwọ na HECM onye ndụmọdụ** (anaghị akwụ ụgwọ). Ọ bụrụ na onye nkwekọrịta nchekwa ihe nke onye ọrụ goro n'ụzọ iwu na-akwadoghị na-anwa imechi ụlọ mmadụ, mechie akụrụngwa, ma ọ bụ wepụ ngwongwo n'ime mita 5 (ụkwụ 16) nke ebe obibi gị, kpọọ nọmba mberede mpaghara gị (911 na US na Canada, 112 na EU, 999 na UK) ma ọ bụ lelee anyị. nọmba mberede ndekọ ozugbo.

Osisi mkpebi: Ịkwụsị mweghachi nbibi site na ụdị ndabara¶

Chọpụta alaka ụlọ ọrụ na-emetụta nsogbu nbinye ego gị ma mebie agbachitere HUD dakọtara ozugbo.

flowchart TD
    A["Anata HECM 'N'ihi na a ga-akwụ ụgwọ' ma ọ bụ ọkwa mgbagha"] --> B{"Gịnị kpalitere ndapụta ahụ?"}
    B -->|"1. Ụtụ ihe onwunwe, mkpuchi ndị nwe ụlọ, ma ọ bụ HOA Default (T&I)"| C{"Ego ole bụ ụgwọ na afọ onye nbinye?"}
    C -->|"Mkpokọta ụgwọ n'okpuru $5,000"| D["Onye ọrụ ga-egbu oge ntugharị mgbaghara (De Minimis Threshold) ka ị na-agwọ ọrịa"]
    C -->|"Onye nbinye kacha nta 80+ nwere ọnọdụ ahụike siri ike"| E["Nyefee akwụkwọ ozi dọkịta maka HUD 'Ntinye n'ihe ize ndụ' (Kwụsị Mwechi na Mmụba otu afọ)"]
    C -->|"Ndị ọzọ niile na-agbazinye ego"| F["Rịọ HECM Atụmatụ nkwụghachi ụgwọ ọnwa 12 ruo-60 (25% nke ego nhụjuanya) + Nkwụghachi ụtụ isi steeti"]
    B -->|"2. Nleba anya nke ndị bi / enweghị ahụike"| G{"Onye na-agbazinye ego apụọla > Ọnwa iri na abụọ na-esochi?"}
    G -->|"Mba (ka na-ebi n'ụlọ ma ọ bụ n'ụlọ ọgwụ/Rehab <12 ọnwa)"| H["Nyefee akwụkwọ ikike obibi mbinye aka + ụgwọ ọrụ 2 + ndetu dọkịta (iweghachite ngwa ngwa)"]
    G -->|"Ee (na-adịgide adịgide n'ụlọ ndị nọọsụ> Ọnwa iri na abụọ) & Enweghị onye na-agbazinye ego"| I["Ntugharị gaa na nbibi di na nwunye anaghị agbazinye ego ma ọ bụ ezinaụlọ 95% ọrịre/nnyeghachi"]
    B -->|"3. Ọnwụ Di na nwunye"| J{"Kedu onye ka nọ n'ụlọ?"}
    J -->|"Di na nwunye nke na-anaghị agbazinye ego (NBS)"| K["Kpọọ oge nbido HUD (Post-8/4/2014) ma ọ bụ ọrụ MOE (Pre-8/4/2014) n'okpuru ML 2021-11"]
    J -->|"Ụmụaka toro eto / ndị nketa / ala"| L["Ozi Ederede Faịlụ nke ebumnuche n'ime ụbọchị 30 -> Mkpọchi n'ime ọnwa 6 + Mgbakwunye ụbọchị iri itoolu + 95% Iwu ịkwụ ụgwọ"]

Nchekwa 1: Na-agwọta "Tax na Insurance (T&I)" ndabara na-enweghị atụfu ụlọ¶

Mgbe onye na-agbazinye ego na-akwụ ụgwọ akwụghị ụgwọ ụtụ isi obodo ma ọ bụ hapụ ndị nwe ụlọ mkpuchi ha laa (lee anyị ndị nwe ụlọ mkpuchi na-abụghị ọhụrụ na mma-etinye ndu), Iwu HUD chọrọ onye ọrụ ka ọ kwalite ego ụlọ ọrụ iji kwụọ onye na-anakọta ụtụ isi ma ọ bụ zụta amụma mkpuchi, wee kwupụta nnyefe ego na ** Tax and Insurance (T&I) Default**.

Tupu onye na-eje ozi enwee ike iziga mbinye HECM n'ụzọ iwu kwadoro onye ọka iwu mgbagha maka ndabara T&I, *HUD Handbook 4000.1 (Ngalaba III.A.3) na-enye gị ọta mbelata mfu ise ise:

Nchekwa 2: Ịlanarị "Audit Occupancy" ma ọ bụ ụlọ ọgwụ agbatịkwuru / Nnọọ n'ụlọ ndị nọọsụ¶

N'okpuru 24 C.F.R. § 206.27©, nnyefe ego na-anọgide na-adị mma naanị ma ọ bụrụhaala na ụlọ ahụ na-eje ozi dị ka ** isi ebe obibi ** nke opekata mpe otu onye na-agbazinye ego. Ndị ọrụ na-enyocha ebe obibi kwa afọ (na ozugbo ọ bụla eweghachiri mail dị ka enweghị ike ibufe ma ọ bụ onye agbata obi na-akọ na ụlọ ahụ dị jụụ).

Iwu atọ na-akwụsị mwepu "anaghị ebi" ezighi ezi¶

1. ** The Co-Borrower Rule (100% Nchekwa Ọbụlagodi na otu di na nwunye abata n'ụlọ nọọsụ na-adịgide adịgide):** Ọ bụrụ na di na nwunye na-ma* depụtara dị ka Co-Borrowers on reverse mortgage, na di na-adịgide adịgide na-akpali n'ime a ebe nchekwa-elekọta ma ọ bụ ọkachamara nọọsụ eweta n'ihi na ndị fọdụrụ nke ndụ ya, ** mbinye ego na-enweghị ike na-akpọ ka ogologo dị ka onye na-akwụ ụgwọ dị ka onye na-akwụ ụgwọ dị ka onye na-akwụ ụgwọ dị ka onye na-akwụ ụgwọ ga-adị ogologo oge. bi n'ụlọ dịka ebe obibi ya bụ isi**.
2. ** Iwu 12-Consecutive-Month Medical Absence Iwu (Maka onye na-agbaziri naanị):** Ọ bụrụ na enwere naanị ** otu ** onye gbaziri ego na mbinye ego (ma ọ bụ ndị na-agbaziri ego abụọ nọ n'ụlọ ọrụ), a na-ahapụ onye gbaziri agbaziri ka ọ ghara ịnọ n'ụlọ n'ụlọ ọgwụ, ebe nrụzigharị, ebe obibi enyere aka maka ụlọ obibi 1, ma ọ bụ ọnwa 5. ụbọchị) *** maka ọrịa anụ ahụ ma ọ bụ nke uche na-enweghị ịkpalite ndabara.
3. ** Ihe dị mkpa tupu ọnwa 12: ** Ọ bụrụ na onye naanị ya gbaziri agbaziri na-abịarute ụbọchị 330 n'ime ụlọ nrụpụta, na-alọghachi n'ụlọ ka ọ biri n'ụlọ ahụ (ya na nlekọta ahụike ụlọ) tupu ụbọchị 365 tọgharịa elekere ọnwa iri na abụọ, ma ọ bụrụhaala na ụlọ ahụ ka bụrụ ebe obibi ha n'ezie.
4. Elegharala akwụkwọ ozi asambodo obibi afọ kwa afọ: Kwa afọ na ncheta ụbọchị mmechi mbinye ego gị, onye ọrụ na-eziga akwụkwọ nwere ibe 1 ** Ụdị Asambodo obibi ***. Ọ bụrụ na ibinyeghị aka wee weghachi ya n'ime ụbọchị 30, onye ọrụ ahụ na-ezipụ ọkwa ịdọ aka ná ntị, ziga onye nyocha ubi ka ọ kụọ aka n'ọnụ ụzọ gị wee see foto nke mita eletrik gị site na mgbochi (na-ana ego mbinye gị ụgwọ nleba anya ihe onwunwe $20), wee malite ** Arịrịọ na-adịghị adị na ụgwọ a ga-akwụ ụgwọ ** na HUD. Na-eweghachite Asambodo obibi mbinye aka mgbe niile site na ozi akwadoro NA email/fax, na-edobe otu faịlụ gị.

Nchekwa 3: Chebe onye na-adị ndụ "di na nwunye anaghị agbazinye ego (NBS)" Mgbe onye na-agbaziri nwụsịrị.¶

N'akụkọ ihe mere eme, ndị na-agbazinye ego na-ekwenyekarị ndị di na nwunye ka ha were di na nwunye na-eto eto (karịsịa di na nwunye n'okpuru afọ 62) ** pụọ ​​na aha nke ụlọ ** ka di ma ọ bụ nwunye meworo agadi nwee ike iru eru maka nnukwu ụgwọ nkwụnye ụgwọ naanị. Mgbe di ma ọ bụ nwunye nke na-agbazinye okenye nwụrụ, ndị na-eje ozi na-agbachitere nwanyị di ya nwụrụ na-eru uju ma ọ bụ di ya nwụrụ ("Nwunye na-adịghị agbazinye ego").

N'ịgbaso akwụkwọ ikpe gọọmenti etiti (*Bennett v. Donovan * na * Plunkett v. Castro *) na nnukwu mgbanwe amụma HUD, ** Ndị di na nwunye na-adịghị adị ndụ ugbu a nwere ikike gọọmenti etiti dị ike ịnọ n'ụlọ ha ruo oge ndụ ha niile na-akwụghị ụgwọ nkwụnye ụgwọ kwa ọnwa ***:

Kedu ka HUD di na nwunye anaghị agbazinye "Oge nkwụsị" si arụ ọrụ¶

Ma ego mgbagha nke onye òtù ọlụlụ gị sitere na ** na ma ọ bụ mgbe Ọgọst 4, 2014** (FHA Case Number ekenyere na / mgbe 08/04/2014, nke 24 C.F.R. § 206.55) na-achị ma ọ bụ ** tupu August 4, 2014** Usoro ọrụ ** iwu n'okpuru ** HUD Mortgagee Letter 2019-15 na 2021-11**), ị tozuru ibughari mgbagha maka oge ndụ gị niile dị ka ** Di na nwunye anaghị agbazinye ego ** ma ọ bụrụ na imezu ihe ndị a:

1. Lụrụ di na nwunye na mmechi na n'ọnwụ: Ị lụrụ n'ụzọ iwu kwadoro na onye gbaziri ego n'oge reverse mortgage mechiri (ma ọ bụ tinye aka na mmekọ nwoke na nwanyị mgbe iwu machibidoro ịlụ di na nwunye, ma emesịa lụọ di na nwunye tupu onye gbaziri ego anwụọ) wee nọgide na-alụ ruo mgbe onye gbaziri nwụnahụrụ;
2. ** Ebe obibi nke isi: *** Ị na-ebi ugbu a, ma biri n'oge onye gbaziri ego nwụrụ, n'ụlọ a gbaziri agbaziri dịka ebe obibi gị;
3. Achọghịkwa igosi aha iwu n'ime ụbọchị 90 (HUD Mortgagee Letter 2021-11 Breakthrough): Tupu Mee 2021, ndị ọrụ gbachiri ọtụtụ puku ndị inyom di ha nwụrụ n'ihi na ụlọikpe probate were ogologo oge karịa ụbọchị 90 iji tinye akwụkwọ ụlọ ahụ n'aha nwanyị di ya nwụrụ. N'okpuru HUD Mortgagee Letter 2021-11, HUD ** wepụrụ ihe a chọrọ na-adịgide adịgide na di na nwunye na-anaghị agbazinye ego gosipụtara aha ahịa ma ọ bụ ikike iwu kwadoro ịnọ n'ime ụbọchị 90 nke onye gbaziri ego.
4. ** Ọrụ gị na-aga n'ihu n'oge oge nkwụghachi ụgwọ: *** Ọ bụ ezie na ị nweghịzi ike ị nweta ego ọhụrụ site na ahịrị nnyefe nke kredit, ** ị na-akwụ ụgwọ isi $ 0 kwa ọnwa yana ụgwọ ọmụrụ nwa maka ndụ gị fọdụrụnụ, ị ga-enwerịrị (a) weghachi kwa afọ ** Onye Na-abụghị Onye Na-agbazinye Onye Na-ebi n'Obi, na Asambodo ụlọ na-aga n'ihu, ndị na-akwụ ụtụ isi na-aga n'ihu. ego n'oge ***, na © debe ihe onwunwe ahụ.

Nchekwa 4: ikike nke ụmụaka toro eto na ndị nketa ka onye nbinye ikpeazụ nwụrụ (Iwu 95% & elekere 12-ọnwa)¶

Mgbe onye gbaziri agbaziri ikpeazụ dị ndụ (yana onye ọ bụla tozuru etozu na-anaghị agbazinye ego) gafechara, nbinye ego a ga-akwụ ụgwọ na-akwụ ụgwọ. Otú ọ dị, ndị na-eje ozi na-eji okwu ụgha "ịdọ aka ná ntị mpụ nke ụbọchị 30" na-emegbu ụmụaka na-eru uju mgbe ha na-ezobe ikike abụọ kachasị mkpa gọọmenti etiti n'okpuru **24 C.F.R. § 206.125 ***:

1. Otu esi emeghe usoro iheomume nke ọnwa 12 zuru oke (ọnwa isii mbụ + Mgbakwunye HUD ụbọchị iri itoolu)¶

• ** Ihe ngosi ụbọchị iri mbụ nke ebumnuche: *** N'ime ụbọchị 30 nke ịnata ọkwa "nkwụghachi ụgwọ na ụgwọ a ga-akwụ" onye ọrụ mgbe nne na nna nwụsịrị, ndị nketa ma ọ bụ onye na-ahụ maka ụlọ ga-ezigara ** Nkwupụta nke ebumnuche ** (iji ndebiri dị n'okpuru) na-ekwupụta ma ezinụlọ na-ezube ịkwụ ụgwọ (A) rechapụ ihe onwunwe ahụ.* dobe ụlọ n'ime ezinaụlọ**, ma ọ bụ (C) Mee ihe omume-n'ọnọdụ mgbapụ.
• ** Ohere nke ọnwa isii akpaaka (ụbọchị 180 site na ọnwụ):** N'okpuru 24 C.F.R. § 206.125(d), ozugbo ị gwa onye ọrụ ozi ebumnuche gị ire ma ọ bụ kwụọ ụgwọ mbinye ego ahụ, ị ​​nwere mbido ** 6 ọnwa site na ụbọchị onye gbaziri agbaziri nwụsịrị *** iji mechaa ire ma ọ bụ refinance tupu enwee ike ịmechaa mgbagha.
• ** Abụọ 90-ụbọchị HUD Extensions (Ọnwa 7 ruo 9, na ọnwa 10 ruo 12): *** Ọ bụrụ na ụlọ ereghị ma ọ bụ probate / refinancing ka na-aga n'ihu dị ka ọnwa 6 na-abịaru nso, nyefee arịrịọ ederede maka ** Mbụ 90-ụbọchị HUD Extension ** (opekata mpe 15 ruo ụbọchị 30 nke njedebe) Ịre ahịa na-arụsi ọrụ ike (Nkwekọrịta Ndekọ **MLS bịanyere aka na onye na-ere ahịa ụlọ ** ma ọ bụ ** Ngwa mbinye ego mbinye aka / akwụkwọ ozi tupu nkwado ** sitere na onye na-agbazinye ego gbakwunyere Probate Letters Testamentary). Ọ bụrụ na ọ dị mkpa, ịnwere ike itinye akwụkwọ maka ịgbatị HUD ụbọchị iri itoolu nke abụọ **, na-enye ezinụlọ gị ọnwa **12 zuru ezu ka ha ree ma ọ bụ refinance.

2. Usoro akwụghị ụgwọ "95% nke uru a tụrụ anya" Iwu ịkwụ ụgwọ (24 C.F.R. § 206.125(a)(2))¶

Ego mgbazinye HECM ọ bụla nwere mkpuchi FHA bụ 100% mgbazinye ego anaghị akwụghachi ụgwọ ***: ọbụghị ihe onwunwe nke onye gbaziri onye nwụrụ anwụ (akaụntụ ụlọ akụ, mkpuchi ndụ, ụgbọ ala) ma ọ bụ ndị nketa n'onwe ya nwere ike ịkwụ ụgwọ maka penny karịa ụlọ n'onwe ya.

Ọbụna ka mma, n'okpuru **24 C.F.R. § 206.125 (a) (2) ***, ọ bụrụ na ndị nketa chọrọ ** idobe ụlọ ezinaụlọ ** (site n'ịmeghachi ya n'ụdị nnyefe nke aha nwata ma ọ bụ na-akwụ ụgwọ ego) ma ọ bụ ree ya n'ahịa mgbe nkwụghachi ụgwọ nnyefe karịrị ọnụ ahịa ụlọ ugbu a, onye ọrụ ahụ bụ ** chọrọ n'iwu gọọmentị etiti.

• ** 100% nke nkwụnye ego mbinye ego HECM akwụghị ụgwọ ***, ma ọ bụ
• ** 95% nke uru ahịa ahịa ugbu a dị ka onye gọọmentị HUD nyere n'iwu nlebanya FHA kpebiri ***.

Detuo na mado template: HECM ọgwụgwọ an-kpọ, di na nwunye anaghị agbazinye ego, na ọkwa nke ndị nketa.¶

Lelee igbe dabara na ọnọdụ gị wee ziga leta a site na ** Mail gbaara agbarụ, arịọrọ nnata nnata, Faksị, na ozi-e** n'aka onye na-ahụ maka nnyefe ego.

URGENT: FORMAL HECM LOSS MITIGATION / OCCUPANCY / NON-BORROWING SPOUSE / HEIRS' NOTICE
(PURSUANT TO 24 C.F.R. PART 206, HUD HANDBOOK 4000.1, AND RESPA 12 C.F.R. § 1024.35/.38)

Date: [Insert Date]

TO: [Name of Reverse Mortgage Servicer, HECM Default / Loss Mitigation / Estates Dept.]
    [Servicer Address, Fax Number, and Email]

RE: HECM Loan Number: [Insert Loan Number] | FHA Case Number: [Insert FHA Case No.]
    Borrower(s) Name: [Name of Borrower]
    Property Address: [Full Street Address]

Dear HECM Servicing & Compliance Officer:

PLEASE TAKE FORMAL NOTICE of the following statutory election and request to suspend any "Due and Payable" acceleration or foreclosure referral on the above-referenced HECM loan (check applicable section):

[ ] SECTION A, CURE OF OCCUPANCY DEFAULT (24 C.F.R. §§ 206.27(c), 206.39):
    The Borrower continues to maintain the subject property as their Principal Residence (or has been temporarily absent in a medical/rehabilitation facility for LESS than 12 consecutive months since [Date]). Enclosed are (1) the signed Annual Occupancy Certification, (2) two current utility bills showing active residential service, and (3) a physician's statement confirming temporary medical absence. Demand is made to immediately recall any Due and Payable status and credit back any improper inspection fees.

[ ] SECTION B, REQUEST FOR TAX & INSURANCE (T&I) REPAYMENT PLAN OR AGE 80+ AT-RISK EXTENSION:
    Regarding the Corporate Advance balance of $[Amount] for property taxes and/or hazard insurance:
    (1) [If Borrower is Age 80+ with Health Hardship]: The youngest borrower is age [Age] (DOB: [Date]) and suffers from a critical medical condition documented in the attached Physician Certification. We request that you immediately submit an "At-Risk Extension" request to HUD under HUD Handbook 4000.1.
    (2) [For All Other Borrowers]: I request an immediate Financial Assessment and a [36 / 48 / 60]-Month HECM T&I Repayment Plan calculated at no more than 25% of monthly Surplus Income, and request an immediate stay of foreclosure referral while my application (and State HAF / Senior Tax Deferral application) is processed.

[ ] SECTION C, SURVIVING NON-BORROWING SPOUSE (NBS) DEFERRAL PERIOD (24 C.F.R. § 206.55 & HUD ML 2021-11):
    Borrower [Name] passed away on [Date of Death] (Death Certificate attached). I am the surviving Eligible Non-Borrowing Spouse. We were legally married at loan closing on [Date] and remained married until the Borrower's death, and I occupy the property as my Principal Residence. Pursuant to 24 C.F.R. § 206.55 and HUD Mortgagee Letter 2021-11 (or MOE Assignment for pre-08/04/2014 Case Numbers), I hereby invoke my statutory Deferral Period. Please send me the NBS Annual Certification package immediately.

[ ] SECTION D, HEIRS' / ESTATE NOTICE OF INTENT, APPRAISAL DEMAND, & EXTENSION REQUEST (24 C.F.R. § 206.125):
    Borrower [Name] passed away on [Date of Death]. I am the [Surviving Child / Executor / Successor in Interest] (Death Certificate and proof of heirship/authority attached).
    1) Notice of Intent: The Estate/Heirs hereby give formal notice of intent to [sell the property / purchase and retain the property via refinance] pursuant to 24 C.F.R. § 206.125.
    2) Demand for Payoff Quote & Official HUD Appraisal (95% Rule): Please provide an itemized payoff statement AND order an official HUD Fair Market Value Appraisal so that the Estate/Heirs may satisfy the HECM for the lesser of the unpaid loan balance or 95% of current appraised value under 24 C.F.R. § 206.125(a)(2).
    3) Request for 6-Month Hold & 90-Day HUD Extension: Please confirm the initial 6-month marketing/settlement window through [Date 6 Months from Death] [and grant a 90-Day HUD Extension based on the attached MLS Listing Agreement / Lender Pre-Approval Letter].

Sincerely,

____________________________________
[Your Signature]
[Your Printed Name, Relationship to Borrower, Address, Phone, and Email]

Mwepụta nkwụghachi ụgwọ mba ofesi (Equity Release) ndabara & nchebe di na nwunye na-adị ndụ¶

Ọ bụrụ na gị ma ọ bụ nne ma ọ bụ nna merela agadi ji ụgwọ nbinye ego na mpụga United States, koodu iwu na ụlọ ọrụ na-amachi mwechi ndị na-agbazinye ego na nha nha na-adịghị mma:

• Canada (CHIP Reverse Mortgage / HomeEquity Bank & Equitable Bank, Enweghị Nkwekọrịta nha nha na-adịghị mma na ikike di na nwunye na-adị ndụ):
• ** Ụtụụtụ, Inshọransị, na Mmezi Mmezi:** Na Canada, nnyefe ego anaghị achọ isi ụlọ akwụkwọ ma ọ bụ ịkwụ ụgwọ ọmụrụ nwa kwa ọnwa, mana onye nwe ụlọ ga-edobe obodo ** Ụtụ isi ihe onwunwe ***, ** Inshọransị ụlọ ***, na ** Condo/Strata Fees *** akwụ ụgwọ ruo ugbu a. Ọ bụrụ na onye agadi daa n'azụ na ụtụ ụlọ, ọgwụgwọ kachasị ọsọ na mpaghara dịka **British Columbia, Alberta, na Ontario ** na-etinye akwụkwọ maka ** Mmemme nkwụghachi ụtụ isi n'ógbè / ime obodo **, nke na-akwụ ụgwọ ụtụ isi obodo ka onye na-agbazinye ego na-akwụ ụgwọ enweghị ike ịkpọ ego ahụ na ndabara.
• ** Ọnwụ nke onye na-agbaziri agbaziri na windo nhazi nke nketa: ** Ọ bụrụ na di na nwunye nọ na aha (dị ka achọrọ n'aka Canada reverse mortgage underwriting), enweghị ike ịkpọ mbinye ego ruo mgbe ** di na nwunye nke abụọ nwụrụ ma ọ bụ na-akwaga na-adịgide adịgide na nlekọta ogologo oge **. Mgbe ọnwụ nke onye gbaziri agbaziri ikpeazụ dị ndụ, ala / ndị nketa na-enwekarị ** 180 ụbọchị (ọnwa 6) *** iji kwụọ ụgwọ mbinye ego ahụ site na ọrịre ma ọ bụ nkwụghachi ụgwọ, nke nkwekọrịta na-akwado ** Enweghị nkwa nha nha na-adịghị mma ** (n'ịhụ na ala ahụ anaghị akwụ ụgwọ karịa uru ahịa nke ụlọ na-ere ere, ma ọ bụrụhaala na ezute ọnọdụ mbinye ego).
• United Kingdom (Mortgages Lifetime, Equity Release Council Standards, Nkwụsị Nlekọta Ogologo Oge & Iwu FCA):
• ** Nchekwa Equity Release Council (ERC):** Ihe karịrị 90% nke UK ** Ndụ nnyefe ndụ *** na-agbaso ** ụkpụrụ Council Release Council , nke na-ekwe nkwa ikike abụọ anaghị akwụ ụgwọ: (1) ** ikike ịnọgide n'ihe onwunwe gị maka ndụ ma ọ bụ ruo mgbe ị kwagara kpamkpam n'ime ụlọ obibi na ogologo oge (na-enye 2) ụlọ obibi gị na-adịgide adịgide. na ** Enweghị Nkwekọrịta nha nhata na-adịghị mma (NNEG)**, nke pụtara mgbe onye gbaziri agbaziri nwụrụ ma ọ bụ banye na nlekọta na-adịgide adịgide wee ree ụlọ ahụ maka ọnụahịa kacha mma enwere ike nweta, ọ nweghị onye gbaziri ego ma ọ bụ ụlọ anaghị akwụ ụgwọ maka mbelata ọ bụla ma ọ bụrụ na ọmụrụ nwa agbakọtara karịrị ọnụ ahịa ụlọ.
• ** Window nke ọnwa 12 maka ndị mmebe: *** Mgbe ọnwụ ma ọ bụ banye na-adịgide adịgide n'ụlọ nlekọta nke onye gbaziri agbaziri ndụ ikpeazụ, ndị na-agbazinye ego UK Lifetime Mortgage na-enyekarị ndị omeiwu / ndị nketa ** ọnwa 12 ka ha ree ihe tupu ha emee ihe mmanye. Ọ bụrụ na onye na-agbazinye ego na-eyi egwu ịweghachi ya n'ihi nrụzi ihe onwunwe ma ọ bụ mkpuchi ụlọ, tinye akwụkwọ mkpesa n'okpuru iwu FCA MCOB wee rute na Financial Ombudsman Service (FOS).
• Australia (Statutory Ọ dịghị Ngative Equity Nkwa n'okpuru NCCP Act & Services Australia "Ụlọ Equity Access Scheme"):
• ** Iwu iwu amanyere iwu enweghị ikike nha nha na-adịghị mma (Ebe ọ bụ na 18 Septemba 2012):** N'okpuru iwu gọọmentị etiti National Consumer Credit Protection Act 2009 (** National Credit Code Sections 86A to 86F**), nnyefe ego ọ bụla na-abanye n'Australia na ma ọ bụ mgbe 18 Septemba 2012 gachara. Nkwenye ***, amachibidoro onye na-agbazinye ego site n'iwu gọọmenti etiti ịchọ ma ọ bụ nata karịa uru ahịa nke ihe onwunwe agbazinye ego mgbe mbinye ego ahụ kwụsịrị (ma e wezụga n'ihe gbasara aghụghọ ma ọ bụ mmebi ihe onwunwe kpachapụrụ anya).
• ** N'okpuru koodu kredit nke mba, ọ bụrụ na onye gbaziri agbaziri ahọpụtara na mbido mbinye ego ka ọ họpụta onye obibi na-enweghị aha ya** (dịka di ma ọ bụ nwunye ma ọ bụ onye mmekọ), onye ahụ echedoro nwere ikike ịga n'ihu ibi n'ụlọ ọbụlagodi mgbe onye nbinye mbụ nwụrụ ma ọ bụ kwaga n'ụlọ. Na mgbakwunye, ọ bụrụ na nnyefe ego nkeonwe dị na ndabara ma ọ bụ na-akwụ ụgwọ ọnụ ahịa azụmahịa dị elu, ndị agadi Australia tozuru etozu nwere ike ịgbazinye ego mgbazinye ego n'ime obere ọmụrụ nwa nke Gọọmenti Australia ** Home Equity Access Scheme (HEAS)** nke ** Ọrụ Australia / Ngalaba Veterans' Affairs* na-ahụ maka ya ozugbo, ma nwee ike mebie mkpesa nzuzo ozugbo. ** Ndị na-ahụ maka mkpesa gbasara ego Australia (AFCA)**.

Ajụjụ a na-ajụkarị¶

enyochara isi mmalite¶

• ** U.S. Department of Housing and Urban Development (HUD, United States):** Iwu ngbanwe ego n'ụlọ (HECM) (HECM) (24 C.F.R. Nkebi 206, gụnyere § 206.27 Iwu obibi ndị isi, § 206.55 Oge nbibi maka ndị na-abụghị ndị na-enweghị ego, 1§0) 206.125 Ndị nketa' 95% Iwu ịkwụ ụgwọ na 6-ọnwa/90-ụbọchị ndọtị oge, na § 206.205 Ngwongwo ebubo).
• ** U.S. Department of Housing and Urban Development (HUD/FHA):*** Akwụkwọ ntuziaka maka obibi otu ezinaụlọ 4000.1 (Title II Insured Housing Programs Forward and Reverse Mortgages, HECM Mbelata Mbelata, Atụmatụ ịkwụghachi ọnwa 60, De Minimis T&I Thresholds, and Age 80) 2019-15*, na * Akwụkwọ ozi nnyefe 2021-11 (Mkpuchido ndị di na nwunye na-anaghị agbazinye ego na mkpochapụ nke achọrọ aha aha ahịa nke ụbọchị 90)*.
• ** Ụlọ Ọrụ Nchedo Ego Ndị Ahịa (CFPB, United States):** * Usoro nyocha nke nnyefe nnyefe ego , * RESPA onye ga-anọchi anya iwu mmasị (12 C.F.R. § 1024.30 (d) na § 1024.38 (b)(1)(vi)) mara na ikike ị nweta ikike gị. (Nduzi ndị ahịa CFPB).
• ** Ụlọ ọrụ ndị na-ere ahịa ego nke Canada (FCAC):** * Weghachite mgbazinye ego na Canada: Ọrụ ndị na-agbazinye ego na enweghị ikike nha anya na-adịghị mma*.
• ** Ndị na-ahụ maka omume ego (FCA) na Kansụl Mwepụta Equity (United Kingdom): *** * MCOB 8 & 9 (Mwepụta nha nhata: Ndụmọdụ na Ụkpụrụ ire ere)* na * Ụkpụrụ Ntọhapụ nke Kansụl (Right to Remain and No Negative Equity Guarantee)*.
• ** Australian Securities and Investments Commission (ASIC/ Moneysmart) na Ọrụ Australia:** National Consumer Credit Credit Act 2009 (National Credit Code Sections 86A to 86F Statutory No Negative Equity Guarantee and Protected Resident Rules) na *Ntụziaka Ịnweta Ịha nhatanha n'ụlọ (HEAS)

Ntuziaka emetụtara¶

• Ọkwa mwepu, ntachi obi nbibi, na mbelata mfu
• Mkpebi ụtụ isi ụlọ, ọrịre ụtụ isi, na mgbapụta ụlọ
• Nkagbu mkpuchi mkpuchi nke ndị nwe ụlọ, mkpuchi mmanye, na ujo escrow
• Nchekwa okenye, ịkagbu ikike onye ọka iwu, na izu ohi ntụkwasị obi
• Inshọransị ndụ na-ekwu igbu oge, esemokwu ndị ga-erite uru, na nha akwụkwọ ikike ọnwụ
• Nọmba mberede site na obodo