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people, used as a way of converting their home equity (the value of their home, minus the amount of mortgage(s)) into a cash payment (or series of payments) bill consolidation loan poor credit retaining ownership of the property. To qualify for a reverse mortgage in the United States, the borrower must be at least 62 and be able to pay it off an existing mortgage with the proceeds bill consolidation loan poor credit the reverse mortgage and if needed, additional personal