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18:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"grid items-start gap-12 lg:grid-cols-2","children":[["$","div",null,{"children":[["$","h2",null,{"className":"text-3xl font-extrabold text-primary-dark sm:text-4xl","children":"Qualification Criteria"}],["$","p",null,{"className":"mt-4 text-gray-medium","children":"Reverse mortgage qualification is based on age, equity, property type, and your ability to maintain the home and pay ongoing obligations."}]]}],["$","div",null,{"className":"space-y-5","children":[["$","$L22",null,{"index":0,"title":"Age Requirement","description":"The youngest borrower or eligible non-borrowing spouse must be at least 62 years old. Older borrowers generally qualify for a larger percentage of their home's value."}],["$","$L22",null,{"index":1,"title":"Home Equity","description":"You must have significant equity in your home. Most lenders look for at least 50% equity, though the exact amount you can borrow depends on your age, current interest rates, and the home's appraised value."}],["$","$L22",null,{"index":2,"title":"Property Type","description":"Eligible properties include single-family residences, HUD-approved condominiums, FHA-approved manufactured homes, and multi-unit properties (up to four units) where you occupy one unit as your primary residence."}],["$","$L22",null,{"index":3,"title":"Financial Assessment","description":"Lenders conduct a financial assessment to verify that you can continue paying property taxes, homeowner's insurance, and maintenance costs. This review considers your income, assets, credit history, and existing financial obligations."}]]}]]}]}]}]
19:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-extrabold text-primary-dark sm:text-4xl","children":"Frequently Asked Questions"}],["$","div",null,{"className":"mt-12 space-y-8","children":[["$","div","Will I still own my home with a reverse mortgage?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Will I still own my home with a reverse mortgage?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. You retain full ownership and title to your home throughout the life of the loan. The lender places a lien on the property, just like a traditional mortgage, but you remain the homeowner."}]]}],["$","div","What happens to the loan when I pass away?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What happens to the loan when I pass away?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Your heirs have the option to repay the loan balance and keep the home, or sell the property and use the proceeds to satisfy the loan. If the home sells for less than the loan balance, FHA insurance covers the difference — your heirs are never responsible for the shortfall."}]]}],["$","div","Are reverse mortgage proceeds taxable?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Are reverse mortgage proceeds taxable?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Generally, no. Reverse mortgage proceeds are considered loan advances, not income, and are typically not subject to federal income tax. However, consult a tax professional for advice specific to your situation."}]]}],["$","div","Can I lose my home with a reverse mortgage?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I lose my home with a reverse mortgage?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The loan can become due if you fail to maintain the property, stop paying property taxes or homeowner's insurance, or cease using the home as your primary residence for more than 12 consecutive months. As long as you meet these obligations, you can remain in your home indefinitely."}]]}],["$","div","Is counseling required before obtaining a reverse mortgage?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Is counseling required before obtaining a reverse mortgage?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. HUD requires all prospective reverse mortgage borrowers to complete an independent counseling session with a HUD-approved counselor. This ensures you fully understand the terms, costs, and alternatives before proceeding."}]]}]]}]]}]}]
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