JR Smith Loan Officer | NMLS # 469732 CU Members – Florida Colonial – Banking, Home Loans & Insurance Mortgage Professional Reviews

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A reverse mortgage is a non-recourse loan, or a loan which requires no repayment. This is why it is referred to as a reverse mortgage. Instead of making payments in an effort to repay a loan like most conventional loans, the reverse mortgage pays you, and the loan is due only after death of the last surviving spouse.