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We need a lot more information. If you're a caregiver staying with a parent and are the heir, the simple answer is that you will need to pay the money owed on the RM to be able to stay in the home. RMs can be very problematic if an heir wants to keep the home.
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Diane, as Jessie has mentioned, we need more information as the title written can be read several different ways.

Such as you are the owner of the house and want to stay there forever but need funds. If that is the case, then I think it is time to downsize into something more manageable. A Reverse Mortgage is a reallllly big bill that needs to be repaid once you move to senior care or pass away. And you would need to pay more than what you had receive, as interest is tacked on, along with other fees.

Or are you a future heir and your parent has a Reverse Mortgage on their house? If your parent passes on or moves to senior care, then the Reverse Mortgage "loan" becomes due and payable. You could re-finance the house, if you can qualify for a loan to cover the cost of the Reverse Mortgage.

I know, it can make your head spin !!
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