A good credit score can save home buyers hundreds of dollars a month on mortgage payments – and potentially tens of thousands.

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Most reverse mortgages have variable rates, which are tied to a financial index and change with the market. Variable rate loans tend to give you more options on how you get your money through the reverse mortgage. Some reverse mortgages – mostly HECMs – offer fixed rates, but they tend to require you to take your loan as a lump sum at closing.

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It’s no secret that the mortgage industry is continuously evolving, with speed and convenience taking precedence. Last year, I wrote a piece about consumers’ demand that mortgages be easy to transact.

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There is no single time that is best when it comes to buying a home. Rather, your individual circumstances help determine when the time is right. Most crucially, having your credit in order is the.

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