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What is a reverse mortgage loan. A reverse mortgage is a type of mortgage loan that's open to homeowners who are 62 or older. These loans allow these homeowners to convert a portion of their home equity into cash.
With a reverse mortgage, the borrower doesn't make monthly payments to the lender. Instead, the loan is repaid to the lender via proceeds raised from the sale of the property after the borrower moves out of the home or dies. How to get a home mortgage.