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Reverse (lifetime) morgages are different from ordinary home morgages, in that they don't require payment, but instead allow the borrower to acquire a debt during their period of property ownership. The acquired debt generally isn't payed off until after the borrower dies, at which time it is subtracted from their estate.

Because of their time-sensitive nature, and lack of payment requirement, reverse mortgages are generally only available to elderly retired people, who have some assets, but can't afford to make regular payments, due to low income or high morgage rates.

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