{"id":58700,"date":"2024-09-04T03:03:20","date_gmt":"2024-09-04T01:03:20","guid":{"rendered":"https:\/\/housesmarketplace.com\/how-reverse-mortgage-lenders-are-planning-for-potentially-lower-rates\/"},"modified":"2024-09-04T03:03:20","modified_gmt":"2024-09-04T01:03:20","slug":"how-reverse-mortgage-lenders-are-planning-for-potentially-lower-rates","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/how-reverse-mortgage-lenders-are-planning-for-potentially-lower-rates\/","title":{"rendered":"\u041a\u0430\u043a \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u044b, \u0432\u044b\u0434\u0430\u044e\u0449\u0438\u0435 \u043e\u0431\u0440\u0430\u0442\u043d\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443, \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u044e\u0442 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e \u0431\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438"},"content":{"rendered":"<div>\n<p>\u041f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0432\u044b\u0441\u043e\u043a\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u043b\u0438\u0441\u044c \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0445 \u0434\u0432\u0443\u0445 \u043b\u0435\u0442, <a href=\"https:\/\/www.housingwire.com\/tag\/federal-reserve\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u0440\u0435\u0437\u0435\u0440\u0432<\/strong><\/a> \u041f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u044c \u0414\u0436\u0435\u0440\u043e\u043c \u041f\u0430\u0443\u044d\u043b\u043b <a href=\"https:\/\/www.housingwire.com\/articles\/powell-signals-september-rate-cut-time-for-policy-to-adjust\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u043d\u0435\u0434\u0430\u0432\u043d\u043e \u0443\u043a\u0430\u0437\u0430\u043d\u043e<\/a> \u0447\u0442\u043e \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u043e \u0444\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u044b\u043c \u0444\u043e\u043d\u0434\u0430\u043c \u043d\u0430 \u0437\u0430\u0441\u0435\u0434\u0430\u043d\u0438\u0438 \u0432 \u044d\u0442\u043e\u043c \u043c\u0435\u0441\u044f\u0446\u0435 <a href=\"https:\/\/www.housingwire.com\/tag\/federal-open-market-committee\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u043a\u043e\u043c\u0438\u0442\u0435\u0442 \u043f\u043e \u043e\u0442\u043a\u0440\u044b\u0442\u044b\u043c \u0440\u044b\u043d\u043a\u0430\u043c<\/strong><\/a> (FOMC) \u043d\u0430\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u043d\u0430 \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u0438, \u0447\u0442\u043e, \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e, \u043f\u0440\u0438\u0432\u0435\u0434\u0435\u0442 \u043a \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044e \u0441\u0442\u0430\u0432\u043e\u043a \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u043a\u0435.<\/p>\n<p>\u041f\u043e\u0432\u044b\u0448\u0435\u043d\u043d\u044b\u0435 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u0441\u0442\u0430\u043b\u0438 \u0447\u0430\u0441\u0442\u044c\u044e \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u0434\u043b\u044f \u043f\u0440\u044f\u043c\u044b\u0445 \u0438 \u043e\u0431\u0440\u0430\u0442\u043d\u044b\u0445 \u043a\u0430\u043d\u0430\u043b\u043e\u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0441 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0445 \u0434\u043d\u0435\u0439 \u043f\u0430\u043d\u0434\u0435\u043c\u0438\u0438 COVID-19. \u0421 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c\u044e \u043e\u0442\u0441\u0440\u043e\u0447\u043a\u0438 \u0441\u0442\u0430\u0432\u043e\u043a \u043d\u0430 \u0433\u043e\u0440\u0438\u0437\u043e\u043d\u0442\u0435, <strong>\u0416\u0438\u043b\u044c\u0435\u041f\u0440\u043e\u0432\u043e\u043b\u043e\u043a\u0430<\/strong>\u0418\u0437\u0434\u0430\u043d\u0438\u0435 Reverse Mortgage Daily (RMD) \u043e\u0431\u0440\u0430\u0442\u0438\u043b\u043e\u0441\u044c \u043a \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0438\u0442\u0435\u043b\u044f\u043c \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u0438\u0445 \u043a\u0440\u0443\u043f\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0432, \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0449\u0438\u0445 \u043e\u0431\u0440\u0430\u0442\u043d\u0443\u044e \u0438\u043f\u043e\u0442\u0435\u043a\u0443, \u0447\u0442\u043e\u0431\u044b \u0443\u0437\u043d\u0430\u0442\u044c, \u043a\u0430\u043a \u043e\u043d\u0438 \u0433\u043e\u0442\u043e\u0432\u044f\u0442\u0441\u044f \u043a \u0442\u0430\u043a\u043e\u043c\u0443 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044e.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-leaning-on-education\">\u041e\u043f\u0438\u0440\u0430\u044f\u0441\u044c \u043d\u0430 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u0435<\/h2>\n<figure class=\"alignright size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"605\" height=\"788\" data-attachment-id=\"435588\" data-permalink=\"https:\/\/www.housingwire.com\/articles\/new-american-funding-names-shannon-robinson-as-reverse-vp\/shannonrobinson_naf\/\" data-orig-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/shannonrobinson_naf.jpg\" data-orig-size=\"605,788\" data-comments-opened=\"1\" data-image-meta='{\"aperture\":\"0\",\"credit\":\"\",\"camera\":\"\",\"caption\":\"\",\"created_timestamp\":\"0\",\"copyright\":\"\",\"focal_length\":\"0\",\"iso\":\"0\",\"shutter_speed\":\"0\",\"title\":\"\",\"orientation\":\"0\"}' data-image-title=\"shannonrobinson_naf\" data-image-description=\"&lt;p&gt;Shannon Robinson, VP of the reverse mortgage division at New American Funding&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Shannon Robinson&lt;\/p&gt;\" data-medium-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/shannonrobinson_naf.jpg?w=230\" data-large-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/shannonrobinson_naf.jpg?w=605\" tabindex=\"0\" role=\"button\" src=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/shannonrobinson_naf.jpg?w=605\" alt=\"Shannon Robinson, VP of the reverse mortgage division at New American Funding\" class=\"wp-image-435588\" style=\"width:200px\" srcset=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/shannonrobinson_naf.jpg 605w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/shannonrobinson_naf.jpg?resize=115,150 115w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/shannonrobinson_naf.jpg?resize=230,300 230w\" sizes=\"(max-width: 605px) 100vw, 605px\"><figcaption class=\"wp-element-caption\">\u0428\u0435\u043d\u043d\u043e\u043d \u0420\u043e\u0431\u0438\u043d\u0441\u043e\u043d<\/figcaption><\/figure>\n<p>\u0428\u0435\u043d\u043d\u043e\u043d \u0420\u043e\u0431\u0438\u043d\u0441\u043e\u043d, \u0441\u0442\u0430\u0440\u0448\u0438\u0439 \u0432\u0438\u0446\u0435-\u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u043e\u0442\u0434\u0435\u043b\u0430 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432 <strong><a href=\"https:\/\/www.housingwire.com\/company\/new-american-funding\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u041d\u043e\u0432\u043e\u0435 \u0430\u043c\u0435\u0440\u0438\u043a\u0430\u043d\u0441\u043a\u043e\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435<\/a><\/strong> (NAF) \u0437\u0430\u044f\u0432\u0438\u043b\u0430, \u0447\u0442\u043e \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u043f\u0440\u0438\u0432\u0435\u0440\u0436\u0435\u043d\u0430 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u0435 \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u044f \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u043f\u043e \u0432\u0441\u0435\u043c\u0443 \u0441\u043f\u0435\u043a\u0442\u0440\u0443 \u0441\u0432\u043e\u0438\u0445 \u0443\u0441\u043b\u0443\u0433 <a href=\"https:\/\/www.housingwire.com\/tag\/home-equity\/\">\u043f\u0440\u043e\u0434\u0443\u043a\u0442\u044b \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430<\/a>. \u042d\u0442\u043e \u0431\u044b\u043b\u043e \u0431\u044b \u0432\u0434\u0432\u043e\u0439\u043d\u0435 \u0432\u044b\u0433\u043e\u0434\u043d\u043e \u0432 \u0431\u043e\u043b\u0435\u0435 \u0431\u043b\u0430\u0433\u043e\u043f\u0440\u0438\u044f\u0442\u043d\u043e\u0439 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0435.<\/p>\n<p>\u00ab\u042d\u0442\u043e \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e \u0432\u043a\u043b\u044e\u0447\u0430\u0435\u0442 \u0432 \u0441\u0435\u0431\u044f \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u0435 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0443\u0441\u0438\u043b\u0438\u0439 \u0437\u0430 \u0441\u0447\u0435\u0442 \u0431\u043e\u043b\u044c\u0448\u0435\u0433\u043e \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u043e\u0431\u0443\u0447\u0430\u044e\u0449\u0438\u0445 \u0441\u0435\u0441\u0441\u0438\u0439, \u0443\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u0435 \u043a\u043e\u043c\u043c\u0443\u043d\u0438\u043a\u0430\u0446\u0438\u0439 \u0438 \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u0439 \u0441 \u043d\u0430\u0448\u0438\u043c\u0438 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0430\u043c\u0438\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0420\u043e\u0431\u0438\u043d\u0441\u043e\u043d. \u00ab\u041a\u0440\u043e\u043c\u0435 \u0442\u043e\u0433\u043e, NAF \u0440\u0430\u0441\u0448\u0438\u0440\u044f\u0435\u0442 \u0441\u0432\u043e\u0438 \u043c\u0430\u0440\u043a\u0435\u0442\u0438\u043d\u0433\u043e\u0432\u044b\u0435 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438, \u0447\u0442\u043e\u0431\u044b \u043e\u0445\u0432\u0430\u0442\u0438\u0442\u044c \u0431\u043e\u043b\u0435\u0435 \u0448\u0438\u0440\u043e\u043a\u0443\u044e \u0430\u0443\u0434\u0438\u0442\u043e\u0440\u0438\u044e \u0438 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c \u043e\u0445\u0432\u0430\u0442. \u041c\u044b \u0432\u0438\u0434\u0438\u043c \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u0443\u044e \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u044f \u043d\u043e\u0432\u044b\u0445 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u0432 NAF \u0437\u0430 \u0441\u0447\u0435\u0442 \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u0443\u0441\u0438\u043b\u0438\u0439 \u0438 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u0430 \u043f\u043e \u0432\u0441\u0435\u043c \u043d\u0430\u0448\u0438\u043c \u043a\u0430\u043d\u0430\u043b\u0430\u043c \u043f\u0440\u043e\u0434\u0430\u0436\u00bb.<\/p>\n<p>\u041f\u043e \u0441\u043b\u043e\u0432\u0430\u043c \u0414\u044d\u0432\u0438\u0434\u0430 \u041f\u0435\u0441\u043a\u0438\u043d\u0430, \u0433\u0435\u043d\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438, \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u043c \u043c\u043e\u043c\u0435\u043d\u0442\u043e\u043c \u0431\u0443\u0434\u0435\u0442 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u0435 \u0442\u043e\u0433\u043e, \u0447\u0442\u043e\u0431\u044b \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0438 \u043f\u043e\u043d\u0438\u043c\u0430\u043b\u0438 \u0432\u0441\u0435 \u043f\u043e\u0441\u043b\u0435\u0434\u0441\u0442\u0432\u0438\u044f \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u043e\u0432 \u043f\u043e\u0434 \u0437\u0430\u043b\u043e\u0433 \u0436\u0438\u043b\u044c\u044f, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0441 \u0443\u0447\u0435\u0442\u043e\u043c \u0442\u043e\u0433\u043e, \u0447\u0442\u043e \u0434\u043b\u044f \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0438\u0437 \u043d\u0438\u0445 \u0441\u0442\u0430\u0432\u043a\u0438 \u043c\u0435\u043d\u044f\u044e\u0442 \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0435 \u0443\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435. <strong>\u0412\u044b\u0441\u043e\u043a\u0438\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438\u041a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435<\/strong>, \u0434\u0431\u0430 <strong>\u0410\u043c\u0435\u0440\u0438\u043a\u0430\u043d\u0441\u043a\u043e\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u043e\u0436\u0438\u043b\u044b\u0445 \u043b\u044e\u0434\u0435\u0439<\/strong>.<\/p>\n<figure class=\"alignleft size-large is-resized\"><img decoding=\"async\" width=\"2914\" height=\"3887\" data-attachment-id=\"342440\" data-permalink=\"https:\/\/www.housingwire.com\/articles\/with-mortgage-rates-on-the-rise-here-are-some-products-originators-should-tap-into\/1530442_1-davidpeskin_large\/\" data-orig-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg\" data-orig-size=\"2914,3887\" data-comments-opened=\"1\" data-image-meta='{\"aperture\":\"10\",\"credit\":\"\",\"camera\":\"DMC-GH4\",\"caption\":\"\",\"created_timestamp\":\"1463107350\",\"copyright\":\"\",\"focal_length\":\"43\",\"iso\":\"200\",\"shutter_speed\":\"0.0125\",\"title\":\"\",\"orientation\":\"1\"}' data-image-title=\"1530442_1-DavidPeskin_large\" data-image-description=\"&lt;p&gt;David Peskin, president of HighTechLending.&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;David Peskin&lt;\/p&gt;\" data-medium-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?w=225\" data-large-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?w=768\" tabindex=\"0\" role=\"button\" src=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?w=768\" alt=\"David Peskin, president of HighTechLending.\" class=\"wp-image-342440\" style=\"width:200px\" srcset=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg 2914w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?resize=112,150 112w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?resize=225,300 225w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?resize=768,1024 768w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?resize=1152,1536 1152w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2022\/03\/1530442_1-DavidPeskin_large.jpg?resize=1535,2048 1535w\" sizes=\"(max-width: 2914px) 100vw, 2914px\"><figcaption class=\"wp-element-caption\">\u0414\u044d\u0432\u0438\u0434 \u041f\u0435\u0441\u043a\u0438\u043d<\/figcaption><\/figure>\n<p>\u00ab\u0411\u0443\u0434\u0443\u0442 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0441\u043c\u043e\u0433\u0443\u0442 \u0438\u0437\u0432\u043b\u0435\u0447\u044c \u0432\u044b\u0433\u043e\u0434\u0443 \u0438\u0437 \u0431\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0438, \u0430 \u0442\u0430\u043a\u0436\u0435 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0434\u043e\u0441\u0442\u0443\u043f \u043a \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u043c \u0434\u043e\u0445\u043e\u0434\u0430\u043c\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u041f\u0435\u0441\u043a\u0438\u043d. \u00ab\u0414\u043b\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0432 \u043e\u0447\u0435\u043d\u044c \u0432\u0430\u0436\u043d\u043e \u0443\u0431\u0435\u0434\u0438\u0442\u044c\u0441\u044f, \u0447\u0442\u043e \u0441\u043e\u043e\u0442\u043d\u043e\u0448\u0435\u043d\u0438\u0435 \u0437\u0430\u0442\u0440\u0430\u0442 \u0438 \u0432\u044b\u0433\u043e\u0434 \u0438\u043c\u0435\u0435\u0442 \u0441\u043c\u044b\u0441\u043b \u0434\u043b\u044f \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0430. \u042f \u0434\u0443\u043c\u0430\u044e, \u0447\u0442\u043e \u0431\u043e\u043b\u0435\u0435 \u043a\u0440\u0443\u043f\u043d\u044b\u0435 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u0438\u0441\u0445\u043e\u0434\u044f\u0442 \u043e\u0442 \u0442\u0435\u0445 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432, \u043a\u043e\u0442\u043e\u0440\u044b\u043c \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043d\u0443\u0436\u043d\u044b \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438, \u0447\u0442\u043e\u0431\u044b \u0443\u043b\u0443\u0447\u0448\u0438\u0442\u044c \u0441\u0432\u043e\u0439 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0439 \u043f\u043e\u0442\u043e\u043a \u0432\u043e \u0432\u0440\u0435\u043c\u044f \u0432\u044b\u0441\u043e\u043a\u043e\u0439 \u0438\u043d\u0444\u043b\u044f\u0446\u0438\u0438\u00bb.<\/p>\n<p>\u041a\u0440\u0438\u0441\u0442\u0435\u043d \u0421\u0438\u0444\u0444\u0435\u0440\u0442, \u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0432\u0435\u0434\u0443\u0449\u0435\u0439 \u0432 \u043e\u0442\u0440\u0430\u0441\u043b\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 <strong><a href=\"https:\/\/www.housingwire.com\/company\/finance-of-america\/\">\u0424\u0438\u043d\u0430\u043d\u0441\u044b \u0410\u043c\u0435\u0440\u0438\u043a\u0438<\/a><\/strong> (FOA) \u0437\u0430\u044f\u0432\u0438\u043b\u0430, \u0447\u0442\u043e \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e \u043d\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0441\u0442\u0430\u0432\u043e\u043a \u043f\u043e\u0432\u044b\u0448\u0430\u044e\u0442 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0434\u043b\u044f \u043d\u043e\u0432\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432.<\/p>\n<p>\u00ab\u041f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u0430 \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044f \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a \u043d\u0430 \u0433\u043e\u0440\u0438\u0437\u043e\u043d\u0442\u0435 \u043c\u043e\u0436\u0435\u0442 \u0441\u0442\u0430\u0442\u044c \u0432\u044b\u0438\u0433\u0440\u044b\u0448\u043d\u043e\u0439 \u0434\u043b\u044f \u043c\u043d\u043e\u0433\u0438\u0445 \u0434\u043e\u043c\u043e\u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u0435\u0432, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0436\u0434\u0430\u043b\u0438 \u0432 \u0441\u0442\u043e\u0440\u043e\u043d\u0435, \u0438 \u0434\u043b\u044f \u0438\u043d\u0434\u0443\u0441\u0442\u0440\u0438\u0438 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0421\u0438\u0444\u0444\u0435\u0440\u0442 RMD. \u00ab\u0412\u0430\u0436\u043d\u043e \u0442\u043e, \u0447\u0442\u043e \u044d\u0442\u043e \u043c\u043e\u0436\u0435\u0442 \u043f\u043e\u043c\u043e\u0447\u044c \u0431\u043e\u043b\u044c\u0448\u0435\u043c\u0443 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0443 \u043b\u044e\u0434\u0435\u0439 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044e \u0431\u043b\u0430\u0433\u043e\u0434\u0430\u0440\u044f \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u0434\u043e\u0441\u0442\u0443\u043f\u0430 \u043a \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u043c \u0443\u0440\u043e\u0432\u043d\u044f\u043c \u0446\u0435\u043d\u043d\u043e\u0433\u043e \u0434\u043e\u043c\u0430\u0448\u043d\u0435\u0433\u043e \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430\u00bb.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-growing-the-business\">\u0420\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u0431\u0438\u0437\u043d\u0435\u0441\u0430<\/h2>\n<p>\u0411\u043e\u043b\u0435\u0435 \u0432\u044b\u0441\u043e\u043a\u0438\u0435 \u043e\u0436\u0438\u0434\u0430\u0435\u043c\u044b\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u0447\u0430\u0441\u0442\u043e \u043f\u0440\u0438\u0432\u043e\u0434\u0438\u043b\u0438 \u043a \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044e \u043f\u043e\u0441\u0442\u0443\u043f\u043b\u0435\u043d\u0438\u0439 \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u043c, \u0447\u0442\u043e \u043e\u0437\u043d\u0430\u0447\u0430\u043b\u043e, \u0447\u0442\u043e \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0435 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0438 \u0431\u044b\u043b\u0438 \u043d\u0435 \u0432 \u0441\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0438 \u0437\u0430\u043a\u0440\u044b\u0442\u044c\u0441\u044f \u0432 \u044d\u0442\u043e\u0439 \u0441\u0440\u0435\u0434\u0435, \u0441\u043a\u0430\u0437\u0430\u043b \u041f\u0435\u0441\u043a\u0438\u043d. \u041d\u043e \u0441\u043e\u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0435 \u0444\u043e\u043a\u0443\u0441\u0430 \u043d\u0430 \u043d\u043e\u0432\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u0445 \u0431\u0443\u0434\u0435\u0442 \u0438\u043c\u0435\u0442\u044c \u043a\u043b\u044e\u0447\u0435\u0432\u043e\u0435 \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435, \u0434\u043e\u0431\u0430\u0432\u0438\u043b \u043e\u043d.<\/p>\n<p>\u00ab\u041f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u043e\u0436\u0438\u0434\u0430\u0435\u043c\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430 \u0437\u0430 10 \u043b\u0435\u0442 \u043f\u0430\u0434\u0430\u0435\u0442, \u043c\u043d\u043e\u0433\u0438\u0435 \u0438\u0437 \u044d\u0442\u0438\u0445 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432, \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e, \u043c\u043e\u0433\u0443\u0442 \u043f\u0440\u0435\u0442\u0435\u043d\u0434\u043e\u0432\u0430\u0442\u044c \u043d\u0430 \u043e\u0442\u043c\u0435\u043d\u0443\u00bb, \u2014 \u0434\u043e\u0431\u0430\u0432\u0438\u043b \u043e\u043d. \u00ab\u041a\u0430\u043a \u043e\u0442\u0440\u0430\u0441\u043b\u044c, \u044f \u043d\u0430\u0434\u0435\u044e\u0441\u044c, \u0447\u0442\u043e \u043c\u044b \u0432\u043e\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u043c\u0441\u044f \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430\u043c\u0438 \u0431\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u0438\u0445 \u0441\u0442\u0430\u0432\u043e\u043a \u043f\u043e \u0432\u0441\u0435\u043c \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f\u043c \u0438 \u043f\u043e\u0441\u0442\u0430\u0440\u0430\u0435\u043c\u0441\u044f \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0442\u044c \u043e\u0442\u0440\u0430\u0441\u043b\u044c, \u0430 \u043d\u0435 \u043f\u0440\u043e\u0441\u0442\u043e \u043f\u0435\u0440\u0435\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u0442\u044c \u0435\u0435\u00bb.<\/p>\n<p>\u0418\u043d\u0434\u0443\u0441\u0442\u0440\u0438\u044f \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u043b\u0430 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0443 \u0432 \u0433\u043e\u0434\u044b \u043f\u0430\u043d\u0434\u0435\u043c\u0438\u0438 \u0437\u0430 \u0441\u0447\u0435\u0442 \u0432\u0437\u0440\u044b\u0432\u043d\u043e\u0433\u043e \u0440\u043e\u0441\u0442\u0430 \u043e\u0431\u044a\u0435\u043c\u0430 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f HECM-\u0432-HECM. \u041a\u043e\u0433\u0434\u0430 \u044d\u0442\u0430 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0438\u0441\u0441\u044f\u043a\u043b\u0430, \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u044b \u0431\u044b\u0441\u0442\u0440\u043e \u043f\u0435\u0440\u0435\u043a\u043b\u044e\u0447\u0438\u043b\u0438\u0441\u044c \u043d\u0430 \u043d\u043e\u0432\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u043d\u043e \u043e\u0431\u044a\u0435\u043c \u043e\u0441\u0442\u0430\u043b\u0441\u044f \u043d\u0438\u0437\u043a\u0438\u043c \u0432 \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0438.<\/p>\n<figure class=\"alignright size-large is-resized\"><img decoding=\"async\" width=\"400\" height=\"400\" data-attachment-id=\"435306\" data-permalink=\"https:\/\/www.housingwire.com\/articles\/origins-longbridge-executive-talks-about-choosing-reverse-mortgages\/melissamacerato_longbridge\/\" data-orig-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/melissamacerato_longbridge.png\" data-orig-size=\"400,400\" data-comments-opened=\"1\" data-image-meta='{\"aperture\":\"0\",\"credit\":\"\",\"camera\":\"\",\"caption\":\"\",\"created_timestamp\":\"0\",\"copyright\":\"\",\"focal_length\":\"0\",\"iso\":\"0\",\"shutter_speed\":\"0\",\"title\":\"\",\"orientation\":\"0\"}' data-image-title=\"melissamacerato_longbridge\" data-image-description=\"&lt;p&gt;Melissa Macerato, chief revenue and marketing officer at Longbridge Financial.&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Melissa Macerato&lt;\/p&gt;\" data-medium-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/melissamacerato_longbridge.png?w=300\" data-large-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/melissamacerato_longbridge.png?w=400\" tabindex=\"0\" role=\"button\" src=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/melissamacerato_longbridge.png?w=400\" alt=\"Melissa Macerato, chief revenue and marketing officer at Longbridge Financial.\" class=\"wp-image-435306\" style=\"width:200px\" srcset=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/melissamacerato_longbridge.png 400w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/melissamacerato_longbridge.png?resize=150,150 150w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/melissamacerato_longbridge.png?resize=300,300 300w\" sizes=\"(max-width: 400px) 100vw, 400px\"><figcaption class=\"wp-element-caption\">\u041c\u0435\u043b\u0438\u0441\u0441\u0430 \u041c\u0430\u0447\u0435\u0440\u0430\u0442\u043e<\/figcaption><\/figure>\n<p>\u0412 <strong><a href=\"https:\/\/www.housingwire.com\/company\/longbridge-financial\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u041b\u043e\u043d\u0433\u0431\u0440\u0438\u0434\u0436 \u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439<\/a><\/strong>\u0414\u0438\u0440\u0435\u043a\u0442\u043e\u0440 \u043f\u043e \u0434\u043e\u0445\u043e\u0434\u0430\u043c \u0438 \u043c\u0430\u0440\u043a\u0435\u0442\u0438\u043d\u0433\u0443 \u041c\u0435\u043b\u0438\u0441\u0441\u0430 \u041c\u0430\u0441\u0435\u0440\u0430\u0442\u043e \u0437\u0430\u044f\u0432\u0438\u043b\u0430, \u0447\u0442\u043e \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f \u0432 \u043f\u0435\u0440\u0432\u0443\u044e \u043e\u0447\u0435\u0440\u0435\u0434\u044c \u0441\u043e\u0441\u0440\u0435\u0434\u043e\u0442\u043e\u0447\u0435\u043d\u0430 \u043d\u0430 \u043d\u043e\u0432\u044b\u0445 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0430\u0445, \u043d\u043e \u043f\u0440\u0438 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438 \u0431\u0443\u0434\u0435\u0442 \u043c\u0435\u043d\u044f\u0442\u044c \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044e \u0432 \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0440\u044b\u043d\u043a\u0430.<\/p>\n<p>\u00ab\u0411\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043e\u0442\u043a\u0440\u044b\u0432\u0430\u044e\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u0434\u043b\u044f \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u044f \u043d\u043e\u0432\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0432 \u0431\u0438\u0437\u043d\u0435\u0441 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438, \u0430 \u0442\u0430\u043a\u0436\u0435 \u0434\u043b\u044f \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u2014 \u0434\u043b\u044f \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u041c\u0430\u0447\u0435\u0440\u0430\u0442\u043e. \u00ab\u041c\u044b \u043f\u043e\u0441\u0442\u043e\u044f\u043d\u043d\u043e \u043a\u043e\u0440\u0440\u0435\u043a\u0442\u0438\u0440\u0443\u0435\u043c \u043d\u0430\u0448\u0438 \u043c\u0430\u0440\u043a\u0435\u0442\u0438\u043d\u0433\u043e\u0432\u044b\u0435 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438, \u0447\u0442\u043e\u0431\u044b \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0438 \u0437\u043d\u0430\u043b\u0438 \u043e \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0431\u043e\u043b\u0435\u0435 \u043f\u0440\u0438\u0432\u043b\u0435\u043a\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435, \u0432\u043a\u043b\u044e\u0447\u0430\u044f \u0431\u043e\u043b\u044c\u0448\u0443\u044e \u0432\u044b\u0440\u0443\u0447\u043a\u0443 \u043e\u0442 \u0431\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u0438\u0445 \u043e\u0436\u0438\u0434\u0430\u0435\u043c\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a \u043f\u043e HECM \u0438, \u0441\u043b\u0435\u0434\u043e\u0432\u0430\u0442\u0435\u043b\u044c\u043d\u043e, \u0431\u043e\u043b\u0435\u0435 \u0432\u044b\u0441\u043e\u043a\u0438\u0445 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u043b\u0438\u043c\u0438\u0442\u043e\u0432\u00bb.<\/p>\n<p>Longbridge \u0437\u0430\u044f\u0432\u0438\u043b\u0430, \u0447\u0442\u043e, \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u044f \u043e\u0434\u043d\u043e\u0432\u0440\u0435\u043c\u0435\u043d\u043d\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u043c \u0438 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0435\u0439 \u043f\u043e \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0435, \u043e\u043d\u0430 \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u0438\u0442\u044c \u0441\u0432\u043e\u0438\u043c \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u043c \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044e \u043e \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u044b\u0445 \u0432\u0430\u0440\u0438\u0430\u043d\u0442\u0430\u0445 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u0435\u0441\u043b\u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0431\u0443\u0434\u0443\u0442 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e \u0432\u044b\u0433\u043e\u0434\u043d\u044b\u043c\u0438.<\/p>\n<p>\u00ab\u041a\u0430\u043a \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0430\u044f \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044f \u0431\u043e\u043b\u0435\u0435 40\u00a0000 \u043e\u0431\u0440\u0430\u0442\u043d\u044b\u0445 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432, \u043c\u044b \u0443\u0432\u0435\u0434\u043e\u043c\u0438\u043c \u043d\u0430\u0448\u0438\u0445 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u043a\u043e\u0433\u0434\u0430 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e \u0438\u043c\u0435\u0435\u0442 \u0441\u043c\u044b\u0441\u043b\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u041c\u0430\u0447\u0435\u0440\u0430\u0442\u043e. \u00ab\u041c\u044b \u0442\u0430\u043a\u0436\u0435 \u043e\u043a\u0430\u0437\u044b\u0432\u0430\u0435\u043c \u044d\u0442\u0443 \u0443\u0441\u043b\u0443\u0433\u0443 \u043d\u0430\u0448\u0438\u043c \u043e\u043f\u0442\u043e\u0432\u044b\u043c \u043a\u043b\u0438\u0435\u043d\u0442\u0430\u043c, \u043e\u043f\u043e\u0432\u0435\u0449\u0430\u044f \u0438\u0445, \u043a\u043e\u0433\u0434\u0430 \u043f\u043e\u044f\u0432\u043b\u044f\u044e\u0442\u0441\u044f \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u0441\u043d\u043e\u0432\u0430 \u043e\u0431\u0440\u0430\u0442\u0438\u0442\u044c\u0441\u044f \u043a \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u043c\u0443 \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u044e \u0438\u043b\u0438 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0435\u043c\u0443 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0443\u00bb.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-role-of-the-refi\">\u0420\u043e\u043b\u044c \u0440\u0435\u0444<\/h2>\n<p>\u041f\u0440\u0438\u0437\u043d\u0430\u0432\u0430\u044f \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0434\u043b\u044f \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0438 \u0431\u0438\u0437\u043d\u0435\u0441\u0430, \u0417\u0438\u0444\u0444\u0435\u0440\u0442 \u0438\u0437 FOA \u043f\u043e\u0432\u0442\u043e\u0440\u0438\u043b, \u0447\u0442\u043e \u043d\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u043e\u0432\u0438\u044f \u0441\u0442\u0430\u0432\u043e\u043a \u0432 \u043f\u0435\u0440\u0432\u0443\u044e \u043e\u0447\u0435\u0440\u0435\u0434\u044c \u043e\u0442\u043a\u0440\u044b\u0432\u0430\u044e\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u0434\u043b\u044f \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u044f \u0440\u044b\u043d\u043a\u0430.<\/p>\n<figure class=\"alignleft size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"726\" height=\"1024\" data-attachment-id=\"434830\" data-permalink=\"https:\/\/www.housingwire.com\/articles\/reverse-mortgage-industry-encouraged-by-new-hecm-servicing-contract\/kristensieffert_far\/\" data-orig-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/kristensieffert_far.jpg\" data-orig-size=\"726,1024\" data-comments-opened=\"1\" data-image-meta='{\"aperture\":\"0\",\"credit\":\"\",\"camera\":\"\",\"caption\":\"\",\"created_timestamp\":\"0\",\"copyright\":\"\",\"focal_length\":\"0\",\"iso\":\"0\",\"shutter_speed\":\"0\",\"title\":\"\",\"orientation\":\"0\"}' data-image-title=\"kristensieffert_far\" data-image-description=\"&lt;p&gt;Kristen Sieffert, president of leading reverse mortgage lender Finance of America Companies.&lt;\/p&gt;\" data-image-caption=\"&lt;p&gt;Kristen Sieffert&lt;\/p&gt;\" data-medium-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/kristensieffert_far.jpg?w=213\" data-large-file=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/kristensieffert_far.jpg?w=726\" tabindex=\"0\" role=\"button\" src=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/kristensieffert_far.jpg?w=726\" alt=\"Kristen Sieffert, president of leading reverse mortgage lender Finance of America Companies.\" class=\"wp-image-434830\" style=\"width:200px\" srcset=\"https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/kristensieffert_far.jpg 726w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/kristensieffert_far.jpg?resize=106,150 106w, https:\/\/www.housingwire.com\/wp-content\/uploads\/2024\/01\/kristensieffert_far.jpg?resize=213,300 213w\" sizes=\"auto, (max-width: 726px) 100vw, 726px\"><figcaption class=\"wp-element-caption\">\u041a\u0440\u0438\u0441\u0442\u0435\u043d \u0421\u0438\u0444\u0444\u0435\u0440\u0442<\/figcaption><\/figure>\n<p>\u00ab\u0421 \u0442\u043e\u0447\u043a\u0438 \u0437\u0440\u0435\u043d\u0438\u044f Finance of America, \u043f\u043e\u043c\u0438\u043c\u043e \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u044f \u043e\u0431\u044a\u0435\u043c\u043e\u0432 \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u0434\u043e\u043f\u043e\u043b\u043d\u044f\u044e\u0449\u0438\u0445 \u043d\u0430\u0448 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u0439 \u0431\u0438\u0437\u043d\u0435\u0441, \u0432 \u0431\u043e\u043b\u0435\u0435 \u0448\u0438\u0440\u043e\u043a\u043e\u043c \u0441\u043c\u044b\u0441\u043b\u0435 \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u0441\u043e\u0431\u043e\u0439 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0440\u0430\u0441\u0448\u0438\u0440\u0438\u0442\u044c \u0440\u044b\u043d\u043e\u043a \u0438 \u043f\u043e\u0437\u043d\u0430\u043a\u043e\u043c\u0438\u0442\u044c \u043d\u043e\u0432\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0441 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430\u043c\u0438 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438, \u0447\u0442\u043e \u0434\u0430\u0435\u0442 \u043d\u0430\u043c \u0431\u043e\u043b\u044c\u0448\u0435 \u0443\u0432\u0435\u0440\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u0432 \u0434\u0430\u043b\u044c\u043d\u0435\u0439\u0448\u0435\u043c \u0434\u043e\u0441\u0442\u0438\u0436\u0435\u043d\u0438\u0438 \u043d\u0430\u0448\u0435\u0439 \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0439 \u0446\u0435\u043b\u0438 \u2014 \u0441\u0434\u0435\u043b\u0430\u0442\u044c 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\u0440\u0435\u0436\u0438\u043c\u0430 \u0440\u043e\u0441\u0442\u0430, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0432\u043e\u0437\u043d\u0438\u043a\u0430\u044e\u0442 \u0438\u0437-\u0437\u0430 \u0431\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u0438\u0445 \u0441\u0442\u0430\u0432\u043e\u043a.<\/p>\n<p>\u00ab\u0412 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u0435 [\u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f] \u043c\u043e\u0436\u043d\u043e \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043d\u0435\u043f\u043b\u043e\u0445\u0438\u0435 \u0434\u043e\u0445\u043e\u0434\u044b, \u043d\u043e \u044f \u043d\u0435 \u0431\u0435\u0441\u043f\u043e\u043a\u043e\u044e\u0441\u044c \u043e \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u0438 \u0441\u0442\u0430\u0432\u043e\u043a\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u041e\u0433\u0430\u0442\u0430. \u00ab\u042d\u0442\u043e \u043f\u043e\u0439\u0434\u0435\u0442 \u043d\u0430\u043c \u043d\u0430 \u043f\u043e\u043b\u044c\u0437\u0443, \u0438 \u0432 \u043a\u043e\u043d\u0435\u0447\u043d\u043e\u043c \u0438\u0442\u043e\u0433\u0435 \u0441\u0442\u0430\u0432\u043a\u0438 \u0431\u0443\u0434\u0443\u0442 \u0434\u0432\u0438\u0433\u0430\u0442\u044c\u0441\u044f \u0432 \u0434\u0440\u0443\u0433\u043e\u043c \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0438. \u0422\u0430\u043a\u043e\u0432\u0430 \u0446\u0438\u043a\u043b\u0438\u0447\u043d\u043e\u0441\u0442\u044c; \u0442\u0430\u043a\u043e\u0432\u0430 \u043f\u0440\u0438\u0440\u043e\u0434\u0430 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430, \u043a\u0430\u043a \u0432 \u043f\u0440\u044f\u043c\u043e\u043c, \u0442\u0430\u043a \u0438 \u0432 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u043c \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0438\u00bb.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-forward-integration\">\u041f\u0440\u044f\u043c\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f<\/h2>\n<p>\u041e\u0434\u043d\u0438\u043c \u0438\u0437 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u043e\u0442\u043b\u0438\u0447\u0438\u0439 \u043c\u0435\u0436\u0434\u0443 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u043c \u043f\u0435\u0440\u0438\u043e\u0434\u043e\u043c \u0441 \u0431\u043e\u043b\u0435\u0435 \u043d\u0438\u0437\u043a\u0438\u043c\u0438 \u0441\u0442\u0430\u0432\u043a\u0430\u043c\u0438 \u0438 \u043f\u0440\u0435\u0434\u044b\u0434\u0443\u0449\u0438\u043c\u0438 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044f\u043c\u0438 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0431\u043e\u043b\u0435\u0435 \u043a\u043e\u043d\u0441\u043e\u043b\u0438\u0434\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0435 \u043f\u043e\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u043e\u0442\u0440\u0430\u0441\u043b\u0438 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 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\u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u043e\u0439 \u0440\u0435\u0448\u0435\u043d\u0438\u0439 \u0434\u043b\u044f \u043d\u0430\u0448\u0438\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0434\u043b\u044f \u0442\u0435\u0445, \u043a\u043e\u043c\u0443 55 \u043b\u0435\u0442 \u0438 \u0441\u0442\u0430\u0440\u0448\u0435, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0438\u0437\u0443\u0447\u0430\u044e\u0442 \u043d\u043e\u0432\u044b\u0435 \u0432\u0430\u0440\u0438\u0430\u043d\u0442\u044b \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0435\u043d\u0438\u044f \u0436\u0438\u043b\u044c\u044f \u043f\u043e\u0434 \u0437\u0430\u043b\u043e\u0433 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u0438\u00bb, \u2014 \u0441\u043a\u0430\u0437\u0430\u043b \u0420\u043e\u0431\u0438\u043d\u0441\u043e\u043d. <\/p>\n<p>\u00ab\u041a\u043e\u043c\u0430\u043d\u0434\u0430 \u043f\u043e \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0445\u043e\u0440\u043e\u0448\u043e \u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0432 NAF, \u043f\u043e\u043c\u043e\u0433\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u043d\u0430\u0448\u0438 \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u044b\u0435 \u0438 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0435 \u043f\u043e\u0434\u0440\u0430\u0437\u0434\u0435\u043b\u0435\u043d\u0438\u044f \u043e\u0431 \u0430\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044f\u0445, \u043f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0438\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u044b \u043f\u0440\u0438\u0431\u043b\u0438\u0436\u0430\u044e\u0442\u0441\u044f \u043a \u043f\u0435\u043d\u0441\u0438\u043e\u043d\u043d\u043e\u043c\u0443 \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0443. \u042d\u0442\u0430 \u0442\u0435\u043a\u0443\u0449\u0430\u044f \u0438\u043d\u0438\u0446\u0438\u0430\u0442\u0438\u0432\u0430 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u043a\u0430\u043a \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u043f\u043e\u0437\u043d\u0430\u043a\u043e\u043c\u0438\u0442\u044c \u043d\u043e\u0432\u044b\u0445 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432 \u0441 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430\u043c\u0438 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438\u00bb.<\/p>\n<p>\u041f\u043e\u043c\u0438\u043c\u043e NAF, \u0434\u0440\u0443\u0433\u0438\u0435 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0444\u043e\u0440\u0432\u0430\u0440\u0434\u043d\u044b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u044b, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a Rate \u0438 <strong><a href=\"https:\/\/www.housingwire.com\/company\/guild-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u0413\u0438\u043b\u044c\u0434\u0435\u0439\u0441\u043a\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430<\/a><\/strong> \u0417\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0434\u0432\u0430 \u0433\u043e\u0434\u0430 \u0440\u0430\u0441\u0448\u0438\u0440\u0438\u043b\u0438 \u0441\u0432\u043e\u0435 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0435 \u043f\u0440\u0438\u0441\u0443\u0442\u0441\u0442\u0432\u0438\u0435.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u0423\u0447\u0438\u0442\u044b\u0432\u0430\u044f, \u0447\u0442\u043e \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0445 \u0434\u0432\u0443\u0445 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[\u2026]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-58700","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How reverse mortgage lenders are planning for potentially lower rates - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.com\/ru\/how-reverse-mortgage-lenders-are-planning-for-potentially-lower-rates\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How 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