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A conventional mortgage is a home loan that’s not government guaranteed or insured. Down payments are as small as 3%, but credit qualifications are tougher than for FHA loans and other federally.
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Reverse mortgage – Wikipedia – A reverse mortgage is a mortgage loan, usually secured over a residential property, that enables the borrower to access the unencumbered value of the property. The loans are typically promoted to older homeowners and typically do not require monthly mortgage payments. Borrowers are still responsible for property taxes and homeowner’s insurance.Reverse mortgages allow elders to access the home.
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