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HECM Reverse Mortgages: Is Market Failure Fixable By Jack Guttentag Introduction People reaching retirement age are living longer than ever, and retiring with less capacity to maintain their living standards.. HECM Reverse Mortgage Prices to a Borrower of 70 With a Home Worth 600,000 and Existing Mortgage Balances of Varying Amounts, on May 22, 2015: The NRMLA Calculator Versus the Kosher Calculator Existing Mortgage Balance Zero 100,000 200,000 300,000 NRMLA Calculator FRM ARM Interest Origination Interest Origination Rate Fee Rate Fee 5.060 6,000 2.686 6,000 5.060 6,000 2.686 6,000 5.060 6,000 2.686 6,000 5.060 6,000 2.686 6,000 Kosher Calculator FRM ARM Interest Origination Interest Origination Rate Fee Rate Fee 3.99 2,500 2.529 1,000 3.99 2,500 2.029 0 3.99 0 2.029 - 2,033 4.25 - 6,066 2.029 - 6,066 The large price differences between the two calculators are evident.. Counseling directed to mistakes of omission would focus on the best possible use of the reverse mortgage, which means helping the senior make the best choices among the different ways of drawing funds, the type of mortgage (ARM versus FRM), high and low mortgage insurance premiums, and the combination of interest rate and origination fee.. rates that may be available in the market today…” Origination fees are the “maximum allowable under HUD rules.” Rates and Fees Are Consistently Lower on Mortgage Professor Comparison Availability of Information on Amounts That Can Be Drawn Maximum tenure payment with zero cash draws and zero credit lines Maximum upfront cash draw with zero monthly payments and zero credit lines Readily Available Readily Available Readily Available Maximum available upfront credit line with zero monthly payments and zero cash draws.. On ARMs, Only Available Through Trial and Error Only Available Through Trial and Error Not Available, no Capacity to Calculate Term Payments Not Available, Very Limited Capacity to Model Multiple Ways to Draw Funds Not Available, no Projections of Fu
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