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Advice for Children of Seniors – Reverse Mortgage – Advice for Children of Seniors.. which the borrower pays into at closing and on a monthly basis. If my parents get a reverse mortgage, what are their responsibilities?. It’s important that these issues be discussed with a reverse mortgage loan officer prior to the loan closing. In the case.
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For Senior Taxpayers | Internal Revenue Service – No, reverse mortgage payments aren’t taxable. Reverse mortgage payments are considered loan proceeds and not income. The lender pays you, the borrower, loan proceeds (in a lump sum, a monthly advance, a line of credit, or a combination of all three) while you continue to live in your home. With a reverse mortgage, you retain title to your home.