Cambria Financial Group LLC
反向抵押贷款机构
6385 Old Shady Oak Rd, Ste 175, Eden Prairie, MN 55344
要申请反向抵押贷款，您必须年满 62 岁，居住在该房屋中并已还清全部或大部分抵押贷款。
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其他信息
专业化
该贷款机构获授权通过联邦住房管理局（FHA）房屋净值转换抵押贷款（HECM）项目提供反向抵押贷款。反向抵押贷款是一种特殊类型的贷款，允许62岁及以上的房主以房屋净值为抵押借款。反向抵押贷款允许房主以现金形式提取这些净值——无论是一次性付款、每月还款或信用额度。它被称为“反向”抵押贷款，因为你从贷款方获得资金，而不必支付还款。 反向抵押贷款对于收入有限且财务不确定的老年人来说可能是有吸引力的选择。 然而，这类抵押贷款属于复杂的金融产品，通常伴随着较高的成本和风险，需要加以考虑。 明尼苏达州商务部为明尼苏达州老年人提供以下消费者警示： 一个。反向抵押贷款会减少，甚至可能消除房屋的所有净值。如果你的意图是为继承人留下已付清的房屋，申请反向抵押贷款会很困难。 b.反向抵押贷款的受益人必须继续支付房产的税费和保险费。如果不同意，房产最终可能会被从房主手中夺走。 c. 如果一方未满62岁，应与反向抵押贷款顾问讨论，如果62岁及以上配偶去世，抵押贷款和财产将如何处理。 在申请反向抵押贷款之前，你需要与认证的反向抵押贷款咨询服务合作，并获得证明你参与的证书。你可以在[明尼苏达帮助]（https://www.minnesotahelp.info）找到HECM咨询师。搜索“反向抵押贷款咨询”或致电住房与城市发展部（HUD）咨询互动语音系统，电话：（800） 569-4287。 关于反向抵押贷款的更多信息，请访问： * 美国住房与城市发展部 - [老年人房屋净值转换抵押贷款]（https://www.hud.gov/hud-partners/single-family-hecmhome） * 明尼苏达州商务部 – [反向抵押贷款]（https://mn.gov/commerce/business/real-estate/reverse-mortgages）
02/27/2026
Cambria Financial Group LLC