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6:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-extrabold text-primary-dark sm:text-4xl","children":"Eligibility Requirements"}],["$","div",null,{"className":"mt-12 grid gap-8 md:grid-cols-3","children":[["$","div","Age 62 or Older",{"className":"rounded-xl bg-off-white p-8 shadow-sm transition-shadow hover:shadow-md","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Age 62 or Older"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"At least one borrower on the loan must be 62 years of age or older. If both spouses are on the loan, the younger borrower's age is used to calculate the available loan amount."}]]}],["$","div","Primary Residence",{"className":"rounded-xl bg-off-white p-8 shadow-sm transition-shadow hover:shadow-md","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Primary Residence"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"The home must be your primary residence. Eligible property types include single-family homes, FHA-approved condominiums, manufactured homes meeting HUD standards, and multi-unit properties (up to four units) where you occupy one unit."}]]}],["$","div","Sufficient Home Equity",{"className":"rounded-xl bg-off-white p-8 shadow-sm transition-shadow hover:shadow-md","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Sufficient Home Equity"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"You must have substantial equity in your home — typically 50% or more. If you have an existing mortgage, the reverse mortgage proceeds must first pay off that balance. The remaining funds are yours to use as you choose."}]]}]]}]]}]}]
7:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-extrabold text-primary-dark sm:text-4xl","children":"Benefits of a Reverse Mortgage"}],["$","div",null,{"className":"mt-12 grid gap-8 sm:grid-cols-2 lg:grid-cols-4","children":[["$","div","No Monthly Payments",{"className":"text-center","children":[["$","div",null,{"className":"mx-auto flex h-14 w-14 items-center justify-center rounded-full bg-primary/10","children":["$","div",null,{"className":"h-3 w-3 rounded-full bg-primary"}]}],["$","h3",null,{"className":"mt-4 text-lg font-semibold text-primary-dark","children":"No Monthly Payments"}],["$","p",null,{"className":"mt-2 text-sm text-gray-medium","children":"Eliminate your monthly mortgage obligation and free up cash flow for living expenses, healthcare, travel, or other retirement priorities."}]]}],["$","div","Stay in Your Home",{"className":"text-center","children":[["$","div",null,{"className":"mx-auto flex h-14 w-14 items-center justify-center rounded-full bg-primary/10","children":["$","div",null,{"className":"h-3 w-3 rounded-full bg-primary"}]}],["$","h3",null,{"className":"mt-4 text-lg font-semibold text-primary-dark","children":"Stay in Your Home"}],["$","p",null,{"className":"mt-2 text-sm text-gray-medium","children":"Continue living in and owning your home for as long as it remains your primary residence. A reverse mortgage does not transfer ownership to the lender."}]]}],["$","div","Flexible Disbursement",{"className":"text-center","children":[["$","div",null,{"className":"mx-auto flex h-14 w-14 items-center justify-center rounded-full bg-primary/10","children":["$","div",null,{"className":"h-3 w-3 rounded-full bg-primary"}]}],["$","h3",null,{"className":"mt-4 text-lg font-semibold text-primary-dark","children":"Flexible Disbursement"}],["$","p",null,{"className":"mt-2 text-sm text-gray-medium","children":"Receive your funds as a lump sum, monthly payments, a line of credit, or a combination — giving you control over how and when you access your equity."}]]}],["$","div","Non-Recourse Loan",{"className":"text-center","children":[["$","div",null,{"className":"mx-auto flex h-14 w-14 items-center justify-center rounded-full bg-primary/10","children":["$","div",null,{"className":"h-3 w-3 rounded-full bg-primary"}]}],["$","h3",null,{"className":"mt-4 text-lg font-semibold text-primary-dark","children":"Non-Recourse Loan"}],["$","p",null,{"className":"mt-2 text-sm text-gray-medium","children":"You and your heirs are protected by FHA insurance. If the loan balance exceeds the home's value at the time of repayment, neither you nor your estate is responsible for the difference."}]]}]]}]]}]}]
8:["$","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":[["$","$Ld",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."}],["$","$Ld",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."}],["$","$Ld",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."}],["$","$Ld",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."}]]}]]}]}]}]
9:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","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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