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Today's Mortgage Rates

January 6, 2009
Product	Rate	APR
30 Year Fixed	4.250	4.590
30 Year Fixed, Interest Only	5.500	5.863
15 Year Fixed	4.250	4.651
5 Year ARM	4.500	5.003
5 Year Interest Only ARM	4.500	4.978

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Reverse Mortgages

A Reverse Mortgage is a home loan available to individuals aged 62 or older as a payout of home equity to the borrower. Reverse mortgage borrowers can receive a lump sum, monthly payments or hold the money in a savings account as a credit line.

In a normal "forward" mortgage you access your home’s equity through a loan and make monthly payments to a lender, but with a Reverse Mortgage you receive payments from the lender in return for a decrease in your home’s equity. Reverse Mortgages can help homeowners who are "house-rich" but "cash-poor" stay in their homes, remain independent and meet their financial obligations.

Some benefits of a Reverse Mortgage are:

No monthly payment
No income or credit requirements
Funds can be used to supplement monthly income

Reverse Mortgage loans do not have to be repaid until the death of the primary borrower(s), the home is sold or you permanently move out of the home.

Reverse Mortgages are backed by the Federal Housing Administration (FHA) and are generally available up to 60% of your appraised value, depending on your age. Counseling prior to the loan is required and available through a multitude of sources including AARP.

Reverse Mortgages may be fixed or variable rates and can use up all or some of the equity in your home as the payout period progresses.

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The entire staff that I have dealt with, Sales Manager, Mortgage Processors, etc. have been extremely professional and knowledgable. They go out of their way to provide solutions to any problems that may occur is the mortgage securing process. This is the second time I have gone to AmeriSave for my morgage because of their dedication to the customer. I've tr. . .

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