• All borrowers must be at least 62 years old
  • Property must be principal residence
  • Property must meet minimum FHA property standards
  • Substantial equity is necessary based upon age of youngest borrower
  • Loan must be in first position; any existing loans and liens must be paid off with loan proceeds first
  • Borrowers and occupants must attend mandatory 3rd party counseling from a HUD approved counseling agency
  • Borrower’s financial status will be assessed to insure they have the willingness and capacity to meet their monthly financial obligations including taxes and other property charges.

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