I-Reverse mortgage (HECM) okuzenzakalelayo, ukucwaningwa kwamabhuku okuhlala, namalungelo omlingani ongaboleki¶

Ukuthola **Isaziso Sokusheshisa Esithi "Esifuneka futhi Esikhokhelwayo" noma usongo lokudlulwa ku-insured ye-federal I-Home Equity Conversion Mortgage (HECM) noma i-proprietary reverse mortgage kuyinhlekelele eyethusayo kumnikazi wendlu omdala, osaphila Ongabolekwayo) Ukuphatha Umlingani wesifunda we-eState, Umzali Ngenxa yokuthi izimali zokubolekwa ezihlehliswayo zathengiswa njengemalimboleko "engekho nyanga zonke yemalimboleko", ababoleki kanye nemindeni bavamise ukuvalelwa amehlo ukuze bafunde ukuthi isisebenzi semali mboleko (njenge-PHH Mortgage / Celink, i-Longbridge Financial, Finance of America Reverse, noma i-HUD/Novad) ingabiza ibhalansi yonke yemalimboleko ngokushesha okufanele futhi ikhokhwe (imali ekhokhwayo) iqale inkokhelo engaphansi kwe-1) ngemuva kwezintela zezakhiwo, umshwalense wabanikazi bezindlu, noma izinkokhelo ze-HOA ("Intela Nomshuwalense / Okuzenzakalelayo Kwe-T&I"), (2) ngokwehluleka ukubuyisela incwadi yesitifiketi Sokuhlala yonyaka noma ukuchitha izinyanga eziningi esibhedlela/esikhungweni sokuvuselela, (3) ukwehluleka ukunakekela isimo somzimba sekhaya, noma (4) umlingani wokufa

Naphezu kwezincwadi zesevisi ezinolaka ezifuna ukukhokhwa okuphelele kwemali mboleko zingakapheli izinsuku ezingu-30, imithetho yoMnyango Wezezindlu Nokuthuthukiswa Kwezindawo zasemadolobheni (24 C.F.R. Ingxenye 206 kanye ne- HUD Single Family Housing Policy Handbook 4000.1) ivikela ngokuqinile abantu abadala, abaganene abasaphila, kanye nabashade nabo. Ngokuya ngesibangeli, ungamisa ukudalulwa usebenzisa 60-Izinyanga Ezingu-60 HUD At-Risk Extension (kubaboleki abaneminyaka engu-80+ abanezidingo ezibalulekile zempilo),Izinyanga Ezingu-60 Uhlelo Lokubuyisela I-HECM, Isikhathi Sokuhlehlisa Komlingani Ofanelekayo Ongaboleki (ikhishwe ngaphansi kwegama lakho lesikweletu ngaphandle kwesikweletu se-HECM 2021-11), noma Umthetho Wenkokhelo Yezindlalifa Wamaphesenti angu-95 Okungahlanganisi onokufika kokuthi izinyanga ezingu-12 zezandiso ze-HUD ezizenzakalelayo.

Yenza lokhu manje¶

1. Thola ngqo inhlamvu ephrintiwe "Kusaziso Esifuneka Nekufanelekelayo" ngokushesha: Bheka phezulu encwadini yesisebenzi ukuze ubone ukuthi yiliphi ibhokisi kulawa amathathu elihloliwe: (A) Okuzenzakalelayo Kwentela kanye/noma Okumisiwe Komshwalense Wezingozi (I-Corporate Advance), (B) Ongahlali / Uhluleka, Ukuthola Isitifiketi* Sokugcina Isitifiketi () Osindile Obolekayo*. I-trigger ngayinye inomugqa wesikhathi wokwelapha wokunciphisa ukulahlekelwa we-HUD ohluke ngokuphelele kanye nephakheji lamaphepha.
2. Yelapha "Okuzenzakalelayo Kokuhlala" emahoreni angama-24 uma umboleki esahlala ekhaya (noma eke waba sesikhungweni sokunakekelwa kabusha/sokunakekela isikhathi esingaphansi kwezinyanga eziyi-12 zilandelana): Izinkulungwane zezikweletu ezibuyiselwe emuva zibizwa ngephutha ngokuthi Zifanele futhi ZiyaKhokhwa minyaka yonke ngenxa nje yokuthi umboleki osekhulile weqiwe yizinyanga ezi-3 zokuposa noma ikhono lokuposa* esibhedlela* indawo yobuhlengikazi. Ngaphansi 24 C.F.R. § 206.39 kanye § 206.27©, ukungabikho okwesikhashana kokunakekelwa kwezempilo noma ukuvuselelwa kufika ezinyangeni eziyi-12 zilandelana AKUZEphuli imfuneko yokuhlala eyinhloko. Sayina ngokushesha bese uthumela ngefeksi/uthumele i-ifomu Lokuqinisekisa Ukuba Khona Lonyaka kanye nezikweletu ezimbili zamanje zezinsiza (ugesi, amanzi, noma igesi) kanye nencwadi kadokotela eqinisekisa ukuthi obolekayo uhlala ekhaya noma uzobuya ngaphambi kophawu lwezinyanga eziyi-12.
3. Cela "Isandiso Esisengcupheni" (Iminyaka Yomboleki Engu-80+ Enobunzima Bezempilo) noma "Uhlelo Lokubuyisela Lwezinyanga Ezingu-60" Lokuzenzakalelayo Kwentela Nomshuwalense: Uma isisebenzi siqhubekisela phambili imali yokukhokha izintela zesakhiwo esidlulelwe yisikhathi noma umshwalense wabanikazi bezindlu ("I-Corporate Advance"), ungakuvumeli ukuthi kudlule. Ngaphansi kwe-HUD Handbook 4000.1, uma umboleki omncane kukhona ubudala obungu-80 noma ngaphezulu futhi enesimo sempilo esibucayi (esigunyazwe udokotela) esivimbela ukunyakaza, isisebenzi singacela i-HUD ye-"At-Risk Extension"** evuselelekayo Izinyanga eziyi-12" emisa ukuvalwa ngokuphelele. Kubo bonke abanye ababolekayo, funa Ukuhlola Kwezimali kanye Nohlelo Lokubuyisela Lwezinyanga eziyi-12 kuya kwezingu-60 lwe-HECM (lapho ukhokha khona kuphela kuze kufike ku-25% wenyanga yakho "Yemali Eyimali Eyengeziwe" ukuze uthole izintela/umshwalense wakho ongasemuva), noma ufake isicelo uma isimo sakho sisavulekile *Isikhwama Sosizo Lomnikazi Womuzi Noma Isibonelelo Sikahulumeni noma Uhlelo Losizo lwe-Tax
4. Khuluma ngokuthi "Inkathi Yokuhoxiswa Nomlingani Ofanelekayo Ongaboleki (NBS)" ngokushesha uma owakwakho obemboleka edlula emhlabeni: Uma oshade naye kuwukuphela komuntu ofakwe ohlwini "Njengomboleki" kunothi le-HECM (ngokuvamile ngenxa yokuthi ubungaphansi kweminyaka engama-62 lapho imali ebolekiwe ivaliwe) futhi owakwakho esanda kushona, klzzwxh:0046 kuze kube yilapho ushile. Ukufa kwabo, kudalulwe kumadokhumenti emalimboleko (kwangemva kuka-Agasti 4, 2014 Case Numbers, noma bafaneleke ngaphansi kokhetho olunwetshiwe lwe-HUD I-Mortgagee Optional Election MOE yemali mbolekyangaphambi komhla zizi-4 Agasti 2014), futhi uhlale kuleli khaya njengendawo yakho yokuhlala eyinhloko. Ngaphansi kokuthi I-HUD Mortgagee Letter 2021-11, i-HUD iqede imfuneko yokuthi Umlingani Ongaboleki Osaphila afakazele isihloko esingokomthetho esingamakethwa noma ukudluliselwa kwetayitela le-probate zingakapheli izinsuku ezingu-90, udinga kuphela ukuqhubeka uhlala ekhaya futhi uhlale unolwazi lwentela yezakhiwo nomshuwalense wesikhathi esizayo.
5. Thumela "Isaziso Senhloso Yezindlalifa" ezibhaliwe zingakapheli izinsuku ezingu-30 zokushona komboleki ukuze ukhiye Izinyanga Eziyisi-6 + Izandiso Zezinsuku Ezimbili Eziyizinsuku Ezingu-90 (Izinyanga Eziyi-12 Ziphelele) KANYE Nomthetho Ka-95%: Uma bobabili abazali beshonile futhi uyindlalifa/umabi, unedethi yokuqala- usuku oluyizinyanga ezingu-9 lokufa, kanye nesandiso sokuqala sezinyanga ezingu-*** H* (kuze kufike ezinyangeni eziyi-12 sezizonke)**, ukudayisa ikhaya noma ukulenza kabusha. Okungcono nakakhulu, uma i-mortgage ehlehlayo "ingaphansi kwamanzi" (isibonelo, ibhalansi yemalimboleko ikhule yaba ngu-\(350,000, kodwa indlu ibiza u-\)260,000 kuphela), umthetho wombuso (**24 C.F.R. § 206.125(a)(2) kanye nokuthi § 206.107 unikeza umndeni ilungelo noma b unikeza umndeni ilungelob) yithengise ngokukhokha OKUNCANE (a) kwebhalansi ephelele yemalimboleko, noma (b) amaphesenti angama-95 yenani lemakethe elifanelekile elilinganiswe yi-HUD (\(247,000)**, ngomshwalense we-FHA usula isikweletu esingu-\)103,000 unaphakade.
6. Xhuma Nomeluleki Ozenzakalelayo Ovunyelwe we-HECM we-HUD (1-800-569-4287) futhi uvikele ukuphepha kwezakhamuzi esezikhulile: Shayela ulayini wokwelulekwa ngezindlu osemthethweni we-HUD ku-1-800-569-4287 futhi ucele ngokuqondile Umeluleki Ozenzakalelayo Oqinisekisiwe we-HECM (mahhala). Uma usonkontileka ogcina indawo eqashwe umsebenzi ngokungemthetho ezama ukukhiya ikhaya elihlalwa, ukuvala izinsiza, noma ukususa impahla endaweni ephakathi kwamamitha angu-5 (amafidi angu-16) wendawo okuhlala kuyo, shayela inombolo yakho yasendaweni yezimo eziphuthumayo (911 e-US nase-Canada, 112 e-EU, 999 e-UK) noma uhlole yethu izinombolo eziphuthumayo lwemibhalo ngokushesha.

Isihlahla sesinqumo: Ukumisa ukuvalwa kwe-mortgage okuhlanekezelwe ngohlobo oluzenzakalelayo¶

Khomba ukuthi yiliphi igatsha elisebenza enkingeni yakho ye-mortgage ehlehlayo futhi wenze ukuvikela okufanayo kwe-HUD ngokushesha.

flowchart TD
    A["Thola i-HECM 'Kufuneka futhi Kuyakhokhwa' noma Isaziso Sokuvimba"] --> B{"Yini Ebangele Ukuzenzakalelayo?"}
    B -->|"1. Intela Yezakhiwo, Umshwalense Wabanikazi Bezindlu, noma Okuzenzakalelayo kwe-HOA (T&I)"| C{"Ingakanani Iminyaka Ekweletwayo Noboleki?"}
    C -->|"Isamba Semali Eyikweletwayo Ngaphansi kuka-$5,000"| D["Umsebenzisi Kumele Abambezele Ukudluliswa Kokuvalwa Kokuvalwa (De Minimis Threshold) Ngenkathi Welapha"]
    C -->|"Umncane Kunabo Bonke Obolekayo Uneminyaka engu-80+ Onesimo Sezempilo Esibucayi"| E["Thumela Incwadi Kadokotela ye-HUD 'Esandisweni Esisengozini' (Imisa Ukuqanjwa Kwezinto Ezikhuphukayo Zonyaka O-1)"]
    C -->|"Bonke Abanye Ababoleki"| F["Cela Uhlelo Lokubuyisela Lwezinyanga eziyi-12 kuya kwezingu-60 ze-HECM (25% Wemali Eningi Engenayo) + Ukuhoxiswa Kwentela Yesifunda"]
    B -->|"2. Ukucwaningwa Kwama-Occupancy / Ukungabikho Kwezokwelapha"| G{"Ingabe Umboleki Uhambile > Izinyanga Eziyi-12 Zilandelana?"}
    G -->|"Cha (Usahlala Ekhaya NOMA Esibhedlela/Rehab <12 months)"| H["Hambisa Isitifiketi Sokuhlala Esisayiniwe + Izikweletu Ezingu-2 Ezisetshenziswayo + Inothi Likadokotela (Ukubuyisela Ngokushesha)"]
    G -->|"Yebo (Ekhaya Labahlengikazi Unomphela > Izinyanga Eziyi-12) & Akekho Oboleka Ngokubambisana"| I["Ukushintshela Kumlingani Ongaboleki NOMA Emndenini 95% Wokuthengisa/Ukuxhasa Ngezimali"]
    B -->|"3. Ukushona Komlingani Obolekayo"| J{"Obani Abahlala Ekhaya?"}
    J -->|"Osindile Ongaboleki (NBS)"| K["Cela Isikhathi Sokuhoxisa se-HUD (Post-8/4/2014) noma Isabelo Se-MOE (Pre-8/4/2014) ngaphansi kwe-ML 2021-11"]
    J -->|"Izingane Abadala / Izindlalifa / Ifa"| L["Isaziso Esibhalwe Ngefayela Senhloso Zingakapheli Izinsuku Ezingu-30 -> Khiya Ezinyangeni Eziyisi-6 + Izandiso Ezimbili Zezinsuku Ezingu-90 + Umthetho Wokukhokha ongu-95%"]

Ukuzivikela 1: Ukwelapha "Intela Nomshuwalense (T&I)" Okuzenzakalelayo ngaphandle kokulahlekelwa ikhaya¶

Lapho umboleki we-mortgage ebuyela emuva ehluleka ukukhokha intela yendawo yesifunda noma evumela umshwalense wabanikazi bezindlu ukuthi uphelelwe isikhathi (bheka yethu Umshwalense wabanikazi bezindlu ongavuseleli kanye nomhlahlandlela obekwe ngenkani), Imithetho ye-HUD idinga ukuthi isisebenzi sithuthukise izimali zebhizinisi ukuze zikhokhele umqoqi wentela noma zithenge inqubomgomo yomshwalense, bese simemezela isikweleti esihlehlayo Ngokuzenzakalelayo kokuthi Tax and Insurance (T&I) Default.

Ngaphambi kokuthi isisebenzi sithumele ngokusemthethweni imali mboleko ye-HECM kummeli wokuvalwa kokuzenzakalelayo kwe-T&I, I-HUD Handbook 4000.1 (Isigaba III.A.3) ikunikeza izihlangu ezinhlanu eziqondile zokunciphisa ukulahlekelwa:

Ukuzivikela 2: Ukusinda "Ekucwaningweni Kwama-Occupancy" noma Isibhedlela Esandisiwe / Indawo Yokuhlala Ekhaya Labahlengikazi¶

Ngaphansi 24 C.F.R. § 206.27©, i-mortgage ehlehlayo ihlala inokuma okuhle kuphela inqobo nje uma isakhiwo sisebenza njengendawo yokuhlala eyinhloko okungenani yomboleki oyedwa. Abasebenzi bahlola isikhathi sokuhlala njalo ngonyaka (futhi ngokushesha noma nini lapho imeyili ibuyiswa njengengalethiwe noma umakhelwane abike ukuthi indlu ibukeka ithule).

Imithetho emithathu emisa ukudliwa okungekho emthethweni "kokungahlali".¶

1. Umthetho Wokubolekwa Ngokubambisana (Ukuvikela Okungu-100% Ngisho Noma Oyedwa Oshade Naye Engena Ekhaya Labahlengikazi Unomphela): Uma indoda nenkosikazi bobabili befakwe ohlwini lwabaBolekwa Ngokubambisana emalini ebolekiwe ehlehlayo, futhi umyeni uthuthela unomphela endaweni yokunakekela inkumbulo noma indawo yokunakekela abanekhono impilo yakhe yonke, imalimboleko AYIKWAZI ukuphila isikhathi eside ngokuthi I-Due the Payable) endlini njengendawo yakhe yokuhlala eyinhloko.
2. Umthetho Wokungabibikho Kwezokwelapha Wezinyanga Eziyi-12 (Kumboleki Eyedwa): Uma kukhona umboleki oyedwa kuphela emalini ebolekiwe (noma bobabili ababoleki abakanye nabo basesikhungweni), umboleki uvunyelwe ngokusemthethweni ukuthi angabibikho ekhaya esibhedlela, esikhungweni sokubuyisela esimweni, indawo yokuhlala yosizo, noma ikhaya lesihlobo* izinsuku ezingu-3*5 zilandelana) ukugula kwengqondo ngaphandle kokudala iphutha.
3. Isenzo Esibalulekile Ngaphambi Kwenyanga Ye-12: Uma okunguye yedwa obolekayo esondela kuSuku lwama-330 endaweni yokuvuselela kabusha, ebuyela ekhaya eyohlala endaweni (nokunakekelwa kwezempilo yasekhaya) ngaphambi kokuthi uSuku 365 lusethe kabusha iwashi lezinyanga eziyi-12, inqobo nje uma ikhaya lihlala liyindawo yakhe yokuhlala eyinhloko.
4. Ungalokothi uzibe Incwadi Yesitifiketi Sokuhlala Ngaminyaka: Minyaka yonke ngosuku lokugujwa kwesikhumbuzo semalimboleko yakho, isisebenzi sithumela ikhasi elingu-1 **Ifomu Lokuqinisekisa Indawo **. Uma ungasayini futhi uyibuyise phakathi kwezinsuku ezingu-30, isisebenzi sithumela isaziso sesexwayiso, sithumele umhloli wenkundla ukuthi angqongqoze emnyango wakho futhi athathe izithombe imitha yakho kagesi onqenqemeni lomgwaqo (ukhokhisa imali oyibolekiwe imali engu-$20 yokuhlola indawo), bese uqala Isicelo Sokungahlali Nesikhokhelwayo nge-HUD. Njalo buyisela Isitifiketi Sokuhlala Esisayiniwe ngemeyili Eqinisekisiwe KANYE NE-imeyili/ifeksi, ugcine ikhophi yamafayela akho.

Ukuzivikela 3: Ukuvikela "Umlingani Ongaboleki (NBS)" Osaphila Ngemva Kokufa Koboleki¶

Ngokomlando, abadayisi bezindlu bavame ukukholisa imibhangqwana eshadile ukuthi ithathe umlingani womshado omncane (ikakhulukazi umlingani womshado oneminyaka engaphansi kuka-62) isuse isihloko sendlu ukuze umngane womshado omdala afanelekele inkokhelo yemali yendlu ehlehlayo eyedwa. Lapho umngane womshado omdala owayeboleka eshona, izisebenzi zazinqabela umfelokazi ososizini noma umfelwa ("Umlingani Ongaboleki").

Kulandela amacala kahulumeni (Bennett v. Donovan kanye no-Plunkett v. Castro) kanye nezinguquko ezinkulu zenqubomgomo ye-HUD, Abashadile Abangaboleki manje banamalungelo anamandla enhlangano yokuhlala ezindlini zabo ukuphila kwabo konke ngaphandle kokwenza izinkokhelo zenyanga zonke zezindlu ezibolekwayo:

Indlela Umlingani Ongaboleki we-HUD "Inkathi Yokuhlehlisa" isebenza kanjani¶

Ukuthi i-mortgage ehlehlayo yowakwakho yasungulwa ngomhla zi-4 noma ngemva kwalokho Agasti 2014 (Inombolo Yekesi le-FHA yabelwa ngomhla ka-08/04/2014, ibuswa ngu-24 C.F.R. § 206.55) noma ngaphambi komhla ka-Agasti 4, 2014 nge-Option Izimiso zomsebenzi ngaphansi kokuthi I-HUD Mortgagee Letter 2019-15 kanye no-2021-11), ufaneleka ukuhlehlisa ukuvalwa kwempilo yakho yonke njengo- Umlingani Ofanelekayo Ongaboleki uma uhlangabezana nalezi zidingo:

1. Ushade Ekuvala Nasekufeni: Washada ngokomthetho nomboleki ngesikhathi kuvalwa i-mortgage (noma uhileleke ebuhlotsheni obuzibophezele bobulili obufanayo lapho uvinjelwa umthetho ukuba ushade, futhi kamuva washada ngokomthetho ngaphambi kokufa komboleki) futhi wahlala ushadile kwaze kwaba sekufeni komboleki;
2. Indawo yokuhlala Eyinhloko: Njengamanje uhlala, futhi wawuhlala ngesikhathi sokushona komboleki, endaweni ebanjiwe njengendawo yakho yokuhlala eyinhloko;
3. Akusadingeki Ukufakazela Isihloko Esisemthethweni Phakathi Nezinsuku Ezingu-90 (I-HUD Mortgagee Letter 2021-11 Breakthrough): Ngaphambi kukaMeyi 2021, izisebenzi zazithatha izinkulungwane zabafelokazi ngenxa yokuthi inkantolo yecala ithathe isikhathi esingaphezu kwezinsuku ezingu-90 ukufaka itayitela lendlu egameni lomfelokazi. Ngaphansi kokuthi I-HUD Mortgagee Letter 2021-11, i-HUD yayisusa unomphela imfuneko yokuthi Ophilayo Ongaboleki afakazele isihloko esithengisekayo noma ilungelo elingokomthetho lokuhlala zingakapheli izinsuku ezingu-90 zokushona komboleki.
4. Izibopho Zakho Eziqhubekayo Phakathi Nenkathi Yokuhoxiswa: Nakuba ungeke usakwazi ukudonsa imali entsha emugqeni wesikweletu sendlu ehlehlayo, wenza u-$0 oyinhloko wanyanga zonke nezinkokhelo zenzalo impilo yakho yonke, kufanele umane (a) ubuyisele Umlingani Ongaboleki Ongaboleki Indawo Yokuhlala Nokufaneleka Nokufaneleka, (impahla) intela eqhubekayo bonke abanikazi bezindlu amaphrimiyamu ngesikhathi, kanye © nokugcina indawo.

Ukuzivikela 4: Amalungelo Ezingane Ezikhulile Nezindlalifa Ngemva Kokufa Kokugcina Obolekiwe (Umthetho Ka-95% & Newashi Lezinyanga Eziyi-12)¶

Lapho umboleki wokugcina osaphila (kanye nanoma imuphi Umlingani Ongaboleki Ofanelekayo) edlula emhlabeni, imali ebolekwayo ehlehlayo iba Ifuneka Futhi Iyakhokhwa. Kodwa-ke, izisebenzi zivame ukuhlukumeza izingane ezilusizi "Ngezixwayiso Zokuqanjwa Kwezinsuku Ezingu-30" ezingamanga ngenkathi zifihla amalungelo amabili abaluleke kakhulu enhlangano ngaphansi kuka-24 C.F.R. § 206.125:

1. Ungawuvula kanjani umugqa wesikhathi ogcwele wezinyanga eziyi-12 (Izinyanga Eziyisi-6 Zokuqala + Izandiso ezimbili ze-HUD Yezinsuku Ezingu-90)¶

• Isaziso Senhloso Sokuqala Sezinsuku Ezingu-30: Zingakapheli izinsuku ezingu-30 sithole "Isaziso Esifuneka Nemali Ekhokhwayo" sesisebenzi ngemva kokushona komzali, izindlalifa noma umabi wezindlu kufanele athumeleIsaziso Senhloso esibhaliwe (esebenzisa isifanekiso esingezansi) esisho ukuthi umndeni uhlose yini *(A) Ukukhokha kabusha **I-Rena(isakhiwo) imali ebolekiwe yokugcina ikhaya emndenini **, noma **(C) Yenza i-Deed-in-Lieu of Foreclosure **.
• Iwindi Elizenzakalelayo Lezinyanga Eziyisi-6 (Izinsuku Eziyi-180 Kusuka Ekufeni): Ngaphansi kuka 24 C.F.R. § 206.125(d), uma wazisa isisebenzi ngenhloso yakho yokuthengisa noma ukukhokha imali mboleko, unezinyanga ezingu-6 zokuqala kusukela ngosuku lokushona komboleki* ukuze uqedele ukuthengisa noma ukuxhaswa kabusha ngaphambi kokuqedwa kokuqedwa.
• Izandiso ezimbili ze-HUD Yezinsuku Ezingu-90 (Izinyanga ezingu-7 kuya kwezingu-9, kanye Nezinyanga ezingu-10 kuya kwezingu-12): Uma ikhaya lingathengisanga noma lingakaqinisekiswanga/ukubuyiselwa kabusha kwezimali kusaqhubeka njengoba iNyanga yesi-6 isondela, thumela isicelo esibhaliwe se- Isandiso Sokuqala se-HUD Yezinsuku ezingu-90 (okungenani izinsuku eziyi-15 ngaphambi kokuphela kwezinyanga ezingu-30) ukumaketha (isayiniwe **Isivumelwano Sohlu lwe-MLS nomenzeli wezindlu ** NOMA Isicelo Semali Ebolekiwe Esisayiniwe / Incwadi Yokugunyaza Ngaphambili evela kubabolekisi bezindlu kanye NeTestamente Lezincwadi ZeProbate). Uma kudingeka, ungafaka isicelo Sesecond 90-Day HUD Extension, unikeze umndeni wakho izinyanga eziyi-12 ezigcwele ukuze udayise noma ukhokhele kabusha.

2. I-Non-Resource "95% yenani Elilinganisiwe" Umthetho Wenkokhelo (24 C.F.R. § 206.125(a)(2))¶

Yonke imalimboleko ehlehliswayo ye-HECM enomshwalense we-FHA iyi-100% Yemalimboleko Engakhokhelwa: noma enye impahla yomboleki oshonile (ama-akhawunti asebhange, umshwalense wokuphila, izimoto) noma izindlalifa ngokwazo azikwazi ukuke zithweswe icala lesenti elingaphezu kwenani lekhaya ngokwalo.

Okungcono nakakhulu, ngaphansi kwe-24 C.F.R. § 206.125(a)(2), uma izindlalifa zifuna ukugcina umndeni uyikhaya (ngokuwubuyisela kabusha ube yimali ebolekwa ekhaya egameni lomntwana omdala noma ukukhokha ukheshi) NOMA ukuyithengisa emakethe lapho ibhalansi yemali yendlu ehlehlayo idlula inani lamanje lekhaya, isisebenzi siyadingeka umthetho wenhlangano**:

• 100% webhalansi yemalimboleko ye-HECM engakhokhiwe, NOMA
• 95% yenani le-Fair Market yamanje yendawo njengoba kunqunywe ukuhlolwa okusemthethweni oku-odwe yi-HUD ye-FHA.

Kopisha bese unamathisela ithempulethi: Ukwelapha Okuzenzakalelayo kwe-HECM, Umlingani Ongaboleki, kanye Nesaziso Sezindlalifa¶

Thikha ibhokisi elifanelana nesimo sakho bese uthumela le ncwadi nge-Imeyili Eqinisekisiwe, Irisidi Yokubuyisela Iceliwe, Ifeksi, kanye Ne-imeyili kusisebenzi se-mortgage reverse.

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]

I-international reverse mortgage (Ukukhishwa kwe-Equity) okuzenzakalelayo nokuvikelwa komlingani osaphila¶

Uma wena noma umzali osekhulile nibambe i-mortgage ehlehlayo ngaphandle kwase-United States, amakhodi omthetho nawemboni akhawulela ngokuqinile ukuvalwa kombolekisi kanye nokulingana okungekuhle:

• I-Canada (I-CHIP Reverse Mortgage / HomeEquity Bank & Equitable Bank, Ayikho Isiqinisekiso Sokulingana Esinegethivu kanye Namalungelo Owakwakhe Osaphila):
• Okuzenzakalelayo Kwentela, Umshwalense, Nokunakekela: E-Canada, ukubolekwa kwezindlu okuhlehliswayo akudingi uthishanhloko wanyanga zonke noma izinkokhelo zenzalo, kodwa umnikazi womuzi kufanele agcine umasipala Izintela Zezakhiwo, Umshwalense Wasekhaya, kanye Izinkokhelo ze-Condo/Strata zikhokhelwa kuze kube manje. Uma umuntu omdala esala ngemuva ngezintela zezakhiwo, ikhambi elishesha kakhulu ezifundazweni ezifana ne-British Columbia, Alberta, ne-Ontario lifaka isicelo soHlelo Lokuhlehliswa Kwentela Yezakhiwo Zesifundazwe/Kamasipala**, olukhokha izikweleti zentela zikamasipala ukuze umebolekisi ohlehlayo angakwazi ukubiza imali mboleko ngokuzenzakalelayo.
• Iwindi Lokufa Lomboleki Nezindlalifa: Uma bobabili abangane bomshado besesihlokweni (njengoba kudingwa incwadi yangaphansi ye-mortgage ehlehliswayo yaseCanada), imali ebolekiwe ayikwazi ukubizwa ngokuthi kufanele kuze kube umlingani womshado wesibili eshona noma ehamba unomphela ekunakekelweni kwesikhathi eside. Lapho kushona umboleki wokugcina osaphila, ifa/izindlalifa ngokuvamile ziba nezinsuku ezingu-180 (izinyanga ezingu-6)* zokukhokha imali ebolekiwe ngokuthengisa noma ngokuyibuyisela kabusha, esekelwa inkontileka ethi Akukho Isiqinisekiso Sokulingana Esibi (ukuqinisekisa ukuthi ifa alikweleti ngaphezu kwenani elifanelekile lemakethe lekhaya elithengiswayo, inqobo nje uma kuhlangatshezwana nemibandela yemalimboleko).
• I-United Kingdom (Imali Ebolekiwe Yesikhathi Sokuphila konke, Amazinga OMkhandlu Wokukhishwa Kwe-Equity, Ukuyekelela Ukunakekelwa Kwesikhathi Eside & Nemithetho ye-FCA):
• Izivikelo ZoMkhandlu Wokukhipha I-Equity Release (ERC): Ngaphezu kuka-90% wase-UK Imali Ebolekwa Imali Yesikhathi Sokuphila ithobela Izilinganiso ZoMkhandlu Wokukhishwa Kwe-Equity, eziqinisekisa amalungelo amabili okungaxoxiswana ngawo: (1) Ilungelo Lokuhlala endaweni yakho impilo yakho yonke noma uze uthuthele unomphela endaweni yokuhlala yesikhathi eside futhi uhlala unenkontileka yendawo yokuhlala enkulu futhi uhlala unesibopho sokunakekela indawo yokuhlala enkulu (2) i- No Negative Equity Guarantee (NNEG), okusho ukuthi lapho umboleki wokugcina efa noma engena ukunakekelwa unomphela futhi ikhaya lithengiswa ngentengo engcono kakhulu etholakala ngokunengqondo, umboleki noma ifa akunacala lanoma yikuphi ukushoda uma inzalo ehlanganisiwe egoqiwe idlula inani lentengo yendlu.
• ** Iwindi Lezinyanga Eziyi-12 Labafa:** Lapho kushona noma kungena unomphela endlini yokunakekela yomboleki wokugcina osaphila, ababolekisi be-UK Lifetime Mortgage ngokuvamile banikeza ababi/izindlalifa ** izinyanga eziyi-12** ukumaketha nokuthengisa indawo ngaphambi kokuthatha isinyathelo sokuqinisa. Uma umbolekisi esongela ukumukwa kabusha ngenxa yokulungiswa kwezakhiwo noma umshwalense wezakhiwo, faka isikhalazo esisemthethweni ngaphansi kokuthi imithetho ye-FCA MCOB bese udlulela ku- Financial Ombudsman Service (FOS).
• I-Australia (Isiqinisekiso Sokulingana Esingokomthetho Akukho Esibi ngaphansi KoMthetho We-NCCP Nezinsizakalo Zase-Australia "Isikimu Sokufinyelela Ngokulingana Ekhaya"):
• Isibopho Esisemthethweni Akukho Isiqinisekiso Sokulingana Esinegethivu (Kusukela ngomhla ka-18 Septhemba 2012): Ngaphansi kombuso Umthetho Kazwelonke Wokuvikelwa Kwekhredithi Yabathengi 2009 (Izigaba 86A Zekhodi Yesikweletu Kazwelonke 86A ukuya ku-86F), yonke imali ebolekiwe ehlehliswayo efakwe e-Australia ngomhla ka-18 Septhemba 2012 noma ngemuva kwawo, i-Guatory Equity* No. umbolekisi unqatshelwe umthetho wenhlangano ekufuneni noma ekutholeni okungaphezu kwevelu yemakethe yendawo ebolekiwe emuva lapho imali mboleko iphela (ngaphandle kwasezimeni zokukhwabanisa noma zokonakaliswa kwempahla ngamabomu).
• Amalungelo Avikelekile Esakhamuzi Esingezona Isihloko: Ngaphansi Kwekhodi Kazwelonke Yesikweletu, uma umboleki ekhethe endaweni yemalimboleko ukuthi aqoke Isakhamuzi Okungesona Esinesihloko (njengowakwakhe noma umlingani), leso sakhamuzi esivikelwe sinelungelo elingokomthetho lokuqhubeka nokuhlala ekhaya ngisho nangemva kokuba umboleki oyinhloko eshona noma ethuthela esikhungweni sokunakekela abantu abadala. Ngaphezu kwalokho, uma imali ebolekwayo yangasese ehlehlayo izenzakalela noma ikhokhisa amanani aphezulu okuhweba, abadala base-Australia abafanelekela i-Age Pension bangakwazi ukukhokha kabusha imali ebolekiwe yezentengiselwano ibe yinzalo ephansi kahulumeni wase-Australia I-Home Equity Access Scheme (HEAS) elawulwa klzzwxh:0120, **i-Australian Financial Complaintsuthority (AFCA)**.

Imibuzo evame ukubuzwa¶

Imithombo ihloliwe¶

• I-U.S. Umnyango Wezezindlu Nokuthuthukiswa Kwezindawo Zasemadolobheni (HUD, United States): Imithetho Yokushintshwa Kwemali Ekhokhiwe Ngokulingana Kwekhaya (HECM) (24 C.F.R. Ingxenye 206, okuhlanganisa § 206.27 Imithetho Yendawo Eyinhloko Yendawo yokuhlala, § 206.55 Isikhathi Sokuhoxiswa Kwezigebengu Ezifanelekayo 6, 1§ I-Spouses Efanelekayo 6, 1 206.125 Imithetho Yenkokhelo Yezindlalifa engu-95% kanye Nezikhathi Zesikhathi Ezandisiwe Zezinyanga eziyisi-6/90-Izinsuku, kanye § Izinkokhelo Zezakhiwo ezingu-206.205).
• I-U.S. Umnyango Wezezindlu Nokuthuthukiswa Kwezindawo Zasemadolobheni (HUD / FHA): Incwajana Yenqubomgomo Yezindlu Zomndeni Owodwa 4000.1 (Isihloko II Izinhlelo Zezindlu Ezinomshwalense Ziyisa phambili futhi Zihlehliselwe Ukubolekwa Kwezindlu, Ukunciphisa Ukulahlekelwa Kwe-HECM, Izinhlelo Zokubuyiswa Kwezinyanga Eziyi-60, I-De Minimis T&I Thresholds,I-De Minimis T&I Thresholds,I-Agege8000000000, kanye Neminyaka Eyishumi) Incwadi ka-2019-15*, kanye Nencwadi Yendlu Yendlu 2021-11 (Enwetshiwe Ukuvikelwa Komlingani Ongaboleki kanye Nokuqedwa Kwemfuneko Yesihloko Esimakethe Yezinsuku Ezingu-90).
• I-Consumer Financial Protection Bureau (CFPB, United States): Hlehlisa Izinqubo Zokuhlolwa Kwesevisi Yezindlu Ezithengiswayo, RESPA Imithetho Elandela Inzalo Yenzuzo (12 C.F.R. § 1024.30(d) kanye § 1024.38(b)(1)(vi)), Futhi Unayo I-Reverse Yazi Ngamalungelo Akho (I-CFPB Consumer Guide)*.
• I-Ejensi Yabathengi Yezezimali yase-Canada (FCAC): Hlehlisa Ukubolekwa Kwezindlu e-Canada: Izibopho Zomboleki Futhi Azikho Iziqinisekiso Zokulingana Ezinegethivu.
• Isiphathimandla Sokuziphatha Kwezezimali (FCA) kanye NoMkhandlu Wokukhishwa Kokulingana (e-United Kingdom): MCOB 8 & 9 (Ukukhishwa Kokulingana: Amazinga Okweluleka Nokuthengisa) kanye Nezilinganiso Zomkhiqizo ZoMkhandlu Wokukhishwa Kokulingana (Ilungelo Lokusala Futhi Akukho Isiqinisekiso Sokulingana Esibi).
• Ikhomishini Yezokuphepha Nokutshalwa Kwezimali Yase-Australia (ASIC / Moneysmart) kanye Nezinsizakalo Zase-Australia: Umthetho Kazwelonke Wokuvikelwa Kwekhredithi Yabathengi 2009 (Izigaba Zekhodi Kazwelonke Yekhodi Yesikweletu 86A kuya ku-86F Ezisemthethweni Akukho Isiqinisekiso Sokulingana Esibi Nemithetho Yesakhamuzi Evikelekile) kanye Nemihlahlandlela Yezinhlelo Zokufinyelela Ngokulingana Ekhaya (HEAS).

Iziqondiso ezihlobene¶

• Isaziso sokudliwa kwempahla, ukubekezela kwe-mortgage, kanye nokunciphisa ukulahlekelwa
• Ubugebengu bentela yendawo, ukudayiswa kwentela yentela, kanye nokuhlengwa kwendlu
• Ukukhanselwa komshwalense wabanikazi bezindlu, ukumbozwa ngenkani, kanye nokushaqeka kwe-escrow
• I-Conservatory yabadala, ukuhoxiswa kwamandla ommeli, kanye nokwebiwa kwe-fiduciary
• Ukubambezeleka kwesimangalo somshwalense wempilo, ingxabano yabahlomuli, kanye nokucutshungulwa kwesitifiketi sokufa
• Izinombolo zesimo esiphuthumayo ngezwe