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Can I use a reverse mortgage loan to buy a home?

Yes. The Department of Housing and Urban Development (HUD) has a “HECM for Purchase” program that allows seniors, age 62 or older, to purchase a home using a reverse mortgage. You will need a much larger down payment than with a traditional mortgage, but like all reverse mortgages, you will not have to make payments on the loan as long as you meet all the requirements of the loan.

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