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AARP provides information to seniors about reverse mortgage programs. Reverse mortgage is a loan against your home that you do not have to pay back for as long as you live there. With a reverse mortgage, you can turn the value of your home into cash without having to move or repay the loan each month. The cash you get from a reverse mortgage can be paid to you in several ways.
No matter how this loan is paid out to you, you typically do not have to pay anything back until you die, sell your home, or permanently move out of your home. To be eligible for most reverse mortgages, you must own your home and be 62 years of age or older.