Reverse Mortgage – Time to Repay the Loan
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If You Don’t Sell the House
You are not required to sell the house. But you are required to repay the loan, up to the value of the house.
In your will, you could leave instructions that other assets of yours are to be sold to pay off the loan, so your heirs can inherit the house. Check with your heirs first.
Your heirs might inherit the house and then use a traditional or forward mortgage to pay off the loan, assuming that the house has kept its value. Then one of your heirs can live in it, perhaps paying rent to the other heirs. Or the heirs can simply rent out the house, holding it as an investment.
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