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Stacy has paid off the mortgage on her home, but her income is very tight. She has seen a lot of commercials about reverse mortgages and has come to you for advice. Which of the following are true concerning reverse mortgages?
- If the eventual sale of the home does not cover the reverse mortgage balance, the estate will not be required to make up the difference.
- Homeowners with reverse mortgages do not have to worry about any home costs other than keeping up the utilities.
- Homeowners with a reverse mortgage can be guaranteed tenure payments for life.
- Reverse mortgage payments to the homeowner are always income-tax-free.