{"id":61654,"date":"2025-12-02T03:05:06","date_gmt":"2025-12-02T02:05:06","guid":{"rendered":"https:\/\/housesmarketplace.com\/mba-lays-out-proposed-changes-for-federal-reverse-mortgage-programs\/"},"modified":"2025-12-02T03:05:06","modified_gmt":"2025-12-02T02:05:06","slug":"mba-lays-out-proposed-changes-for-federal-reverse-mortgage-programs","status":"publish","type":"post","link":"https:\/\/housesmarketplace.com\/ru\/mba-lays-out-proposed-changes-for-federal-reverse-mortgage-programs\/","title":{"rendered":"MBA \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u043c\u044b\u0435 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0432 \u0444\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430\u0445 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438"},"content":{"rendered":"
\n

The \u0410\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u0438\u0440\u043e\u0432<\/strong> (\u041c\u0412\u0410<\/a>) \u043f\u043e \u0440\u0435\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e \u0444\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438 \u0432\u043a\u043b\u044e\u0447\u0430\u044e\u0442 \u0441\u0435\u043c\u044c \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0439 \u2014 \u043e\u0442 \u0441\u043e\u0437\u0434\u0430\u043d\u0438\u044f \u043d\u043e\u0432\u043e\u0433\u043e \u0432\u0430\u0440\u0438\u0430\u043d\u0442\u0430 \u0441\u0435\u043a\u044c\u044e\u0440\u0438\u0442\u0438\u0437\u0430\u0446\u0438\u0438 \u0434\u043e \u0432\u0437\u0438\u043c\u0430\u043d\u0438\u044f \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u044b\u0445 \u0432\u0437\u043d\u043e\u0441\u043e\u0432 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u043d\u043e\u0439 \u0441\u0443\u043c\u043c\u044b.\u00a0<\/p>\n

\u0412 \u043e\u043a\u0442\u044f\u0431\u0440\u0435, \u041c\u0438\u043d\u0438\u0441\u0442\u0435\u0440\u0441\u0442\u0432\u043e \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0433\u043e \u0441\u0442\u0440\u043e\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0438 \u0433\u043e\u0440\u043e\u0434\u0441\u043a\u043e\u0433\u043e \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u0421\u0428\u0410<\/strong> (HUD), \u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0435 \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435<\/strong> (FHA) \u0438 \u0414\u0436\u0438\u043d\u043d\u0438 \u041c\u044d\u0439<\/strong> \u0432\u044b\u043f\u0443\u0441\u0442\u0438\u043b \u0437\u0430\u043f\u0440\u043e\u0441 \u043d\u0430 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044e (RFI), \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0438\u0449\u0435\u0442 \u043e\u0431\u0440\u0430\u0442\u043d\u0443\u044e \u0441\u0432\u044f\u0437\u044c \u043e\u0442 \u043e\u0431\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/a> \u043e \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u044b\u0445 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f\u0445 \u0432 \u0438\u043f\u043e\u0442\u0435\u043a\u0435 \u0441 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u0430\u0446\u0438\u0435\u0439 \u0432 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c (HECM<\/a>) \u0438 HECM \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 \u0446\u0435\u043d\u043d\u044b\u0435 \u0431\u0443\u043c\u0430\u0433\u0438 (HMBS<\/a>) \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b.<\/p>\n

\u042d\u043a\u0441\u043f\u0435\u0440\u0442\u044b \u043e\u0442\u0440\u0430\u0441\u043b\u0438<\/a> \u0441\u043e\u0441\u0440\u0435\u0434\u043e\u0442\u043e\u0447\u0438\u043b\u0438\u0441\u044c \u043d\u0430 \u0434\u0432\u0443\u0445 \u043d\u0430\u0441\u0443\u0449\u043d\u044b\u0445 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0430\u0445: \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u043c \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0438 \u0438 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u044f\u0445 \u043b\u0438\u043a\u0432\u0438\u0434\u043d\u043e\u0441\u0442\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u0432 \u043f\u0438\u0441\u044c\u043c\u0435 MBA.<\/p>\n

\u00ab\u0421\u043f\u0440\u043e\u0441 \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u044b HECM \u0441\u0440\u0435\u0434\u0438 \u043f\u043e\u0436\u0438\u043b\u044b\u0445 \u043b\u044e\u0434\u0435\u0439 \u043e\u0441\u0442\u0430\u0451\u0442\u0441\u044f \u0432\u044b\u0441\u043e\u043a\u0438\u043c. \u041e\u0434\u043d\u0430\u043a\u043e \u043e\u0431\u0449\u0438\u0439 \u043e\u0431\u044a\u0451\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 HECM \u043d\u0435 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b\u0441\u044f \u0438\u0437-\u0437\u0430 \u0447\u0440\u0435\u0437\u043c\u0435\u0440\u043d\u043e\u0439 \u0441\u043b\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f \u0438 \u0432\u044b\u0441\u043e\u043a\u0438\u0445 \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0445 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0445 \u0441 \u043d\u0438\u043c. \u042d\u0442\u0438 \u0444\u0430\u043a\u0442\u043e\u0440\u044b \u043e\u0442\u043f\u0443\u0433\u0438\u0432\u0430\u044e\u0442 \u043c\u043d\u043e\u0433\u0438\u0445 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u043e\u0432, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043e\u0446\u0435\u043d\u0438\u0432\u0430\u044e\u0442, \u043f\u043e\u0434\u0445\u043e\u0434\u0438\u0442 \u043b\u0438 HECM \u0434\u043b\u044f \u0438\u0445 \u043d\u0443\u0436\u0434\u00bb, \u2014 \u0433\u043e\u0432\u043e\u0440\u0438\u0442\u0441\u044f \u0432 \u043f\u0438\u0441\u044c\u043c\u0435 MBA \u043e\u0442 26 \u043d\u043e\u044f\u0431\u0440\u044f.<\/p>\n

\u041f\u0438\u0441\u044c\u043c\u043e \u0431\u044b\u043b\u043e \u043f\u043e\u0434\u043f\u0438\u0441\u0430\u043d\u043e \u041f\u0438\u0442 \u041c\u0438\u043b\u043b\u0441<\/a>, \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0432\u0438\u0446\u0435-\u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u0430 MBA \u043f\u043e \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0439 \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0435 \u0438 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u043c\u0443 \u0432\u0437\u0430\u0438\u043c\u043e\u0434\u0435\u0439\u0441\u0442\u0432\u0438\u044e \u0441 \u043f\u0440\u043e\u043c\u044b\u0448\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u044c\u044e. \u041e\u043d \u0431\u044b\u043b \u0430\u0434\u0440\u0435\u0441\u043e\u0432\u0430\u043d \u0424\u0440\u044d\u043d\u043a \u041a\u044d\u0441\u0441\u0438\u0434\u0438<\/a>, \u043f\u0435\u0440\u0432\u044b\u0439 \u0437\u0430\u043c\u0435\u0441\u0442\u0438\u0442\u0435\u043b\u044c \u043f\u043e\u043c\u043e\u0449\u043d\u0438\u043a\u0430 \u0441\u0435\u043a\u0440\u0435\u0442\u0430\u0440\u044f FHA \u043f\u043e \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u043c\u0443 \u0441\u0442\u0440\u043e\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0443, \u0438 \u0414\u0436\u043e\u0437\u0435\u0444 \u0413\u043e\u0440\u043c\u043b\u0438<\/a>, \u0433\u043b\u0430\u0432\u043d\u044b\u0439 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440 Ginnie Mae.<\/p>\n

\u041f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u043f\u043e \u043b\u0438\u043a\u0432\u0438\u0434\u043d\u043e\u0441\u0442\u0438<\/h2>\n

\u0421\u043e\u0433\u043b\u0430\u0441\u043d\u043e \u0434\u0435\u0439\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u043c \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u043c, \u0414\u0436\u0438\u043d\u043d\u0438 \u041c\u044d\u0439<\/a> \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u043e\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0432 \u0432\u044b\u043a\u0443\u043f\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 HECM \u0438\u0437 \u043f\u0443\u043b\u0430 HMBS, \u043a\u0430\u043a \u0442\u043e\u043b\u044c\u043a\u043e \u0435\u0433\u043e \u043d\u0435\u043f\u043e\u0433\u0430\u0448\u0435\u043d\u043d\u044b\u0439 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u0439 \u043e\u0441\u0442\u0430\u0442\u043e\u043a \u0434\u043e\u0441\u0442\u0438\u0433\u043d\u0435\u0442 98% \u043e\u0442 \u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u043e\u0439 \u0441\u0443\u043c\u043c\u044b \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f (MCA).<\/p>\n

\u0410\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f MBA \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u0435\u0442 \u0437\u0430 \u043d\u043e\u0432\u0443\u044e \u0446\u0435\u043d\u043d\u0443\u044e \u0431\u0443\u043c\u0430\u0433\u0443 HMBS, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u043f\u043e\u0437\u0432\u043e\u043b\u0438\u0442 \u0440\u0435\u0441\u0435\u043a\u044c\u044e\u0440\u0438\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0432\u0441\u0435 HECM \u043d\u0430 98% MCA. \u0410\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f \u0443\u0442\u0432\u0435\u0440\u0436\u0434\u0430\u0435\u0442, \u0447\u0442\u043e \u044d\u0442\u043e \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u0435 \u0431\u0443\u0434\u0435\u0442 \u0441\u0442\u0438\u043c\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0441\u043f\u0440\u043e\u0441 \u0438\u043d\u0432\u0435\u0441\u0442\u043e\u0440\u043e\u0432 \u0438 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442 \u0434\u043e\u0445\u043e\u0434 \u043e\u0442 \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u0439\u043d\u044b\u0445 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0439.<\/p>\n

\u041e\u0442\u0434\u0435\u043b\u044c\u043d\u043e \u0442\u043e\u0440\u0433\u043e\u0432\u0430\u044f \u0433\u0440\u0443\u043f\u043f\u0430 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0443, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0449\u0443\u044e \u0447\u0430\u0441\u0442\u043d\u044b\u043c \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u043c \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f\u043c \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0430\u0442\u044c \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u043f\u043e\u0441\u043b\u0435 \u043f\u0435\u0440\u0435\u0434\u0430\u0447\u0438 \u0438\u0445 \u0432 FHA \u2014 \u043f\u043e\u0441\u043b\u0435 \u0434\u043e\u0441\u0442\u0438\u0436\u0435\u043d\u0438\u044f \u043f\u043e\u0440\u043e\u0433\u043e\u0432\u043e\u0433\u043e \u0437\u043d\u0430\u0447\u0435\u043d\u0438\u044f 98% MCA. \u042d\u0442\u043e \u043e\u0441\u0432\u043e\u0431\u043e\u0434\u0438\u0442 FHA \u043e\u0442 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435<\/a> \u041f\u043e\u0436\u0438\u043b\u044b\u0435 \u043b\u044e\u0434\u0438 \u0442\u0430\u043a\u0436\u0435 \u0438\u0437\u0431\u0435\u0433\u0443\u0442 \u043f\u0443\u0442\u0430\u043d\u0438\u0446\u044b \u0438 \u0441\u043b\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0445 \u0441 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435\u043c \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432.\u00a0<\/p>\n

\u00ab\u0427\u0430\u0441\u0442\u043d\u044b\u0435 \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u0442 \u0434\u043e\u0445\u043e\u0434 \u0432 \u0432\u0438\u0434\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0439 \u0437\u0430 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u043d\u0430 \u043f\u0440\u043e\u0442\u044f\u0436\u0435\u043d\u0438\u0438 \u0432\u0441\u0435\u0433\u043e \u0441\u0440\u043e\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430, \u0443\u043a\u0440\u0435\u043f\u043b\u044f\u044f \u0441\u0432\u043e\u0438 \u0431\u0438\u0437\u043d\u0435\u0441-\u043c\u043e\u0434\u0435\u043b\u0438\u00bb, \u2014 \u0437\u0430\u044f\u0432\u0438\u043b\u0438 \u0432 MBA. \u00ab\u041a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043d\u044b\u0439 \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440 \u0440\u044b\u043d\u043a\u0430 \u043c\u043e\u0436\u0435\u0442 \u043f\u043e\u0431\u0443\u0434\u0438\u0442\u044c \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u043f\u0435\u0440\u0435\u0434\u0430\u0432\u0430\u0442\u044c \u0447\u0430\u0441\u0442\u044c \u0438\u043b\u0438 \u0432\u0441\u0435 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430 \u0437\u0430\u0451\u043c\u0449\u0438\u043a\u0430\u043c \u0432 \u0432\u0438\u0434\u0435 \u0431\u043e\u043b\u0435\u0435 \u0432\u044b\u0433\u043e\u0434\u043d\u044b\u0445 \u0446\u0435\u043d \u043d\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u044b\u00bb.<\/p>\n

\u0418\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435<\/h2>\n

MBA \u0442\u0430\u043a\u0436\u0435 \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043b\u0430 \u0432\u043e\u043f\u0440\u043e\u0441\u044b, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0435 \u0441\u043e \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u043e\u0439 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u044b\u0445 \u043f\u0440\u0435\u043c\u0438\u0439 \u043f\u043e \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u043c\u0443 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044e (MIP) HECM. <\/p>\n

\u0422\u0435\u043a\u0443\u0449\u0438\u0439 \u0440\u0430\u0437\u043c\u0435\u0440 \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0437\u043d\u043e\u0441\u0430 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 2% \u043e\u0442 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u0434\u043e\u043c\u0430 \u0448\u0438\u0440\u043e\u043a\u043e \u0441\u0447\u0438\u0442\u0430\u0435\u0442\u0441\u044f \u0447\u0440\u0435\u0437\u043c\u0435\u0440\u043d\u044b\u043c. \u0410\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442 \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0442\u044c \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u0437\u043d\u043e\u0441 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0437\u043d\u043e\u0441\u0430 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u043d\u043e\u0439 \u0441\u0443\u043c\u043c\u044b, \u0430 \u043d\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u0434\u043e\u043c\u0430 \u0438\u043b\u0438 MCA, \u0447\u0442\u043e, \u043f\u043e \u043c\u043d\u0435\u043d\u0438\u044e \u0430\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u0438, \u043b\u0443\u0447\u0448\u0435 \u043f\u043e\u0434\u0445\u043e\u0434\u0438\u0442 \u0434\u043e\u043c\u043e\u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u0430\u043c \u0441 \u043d\u0438\u0437\u043a\u0438\u043c \u0443\u0440\u043e\u0432\u043d\u0435\u043c \u0440\u0438\u0441\u043a\u0430.<\/p>\n

\u0427\u0442\u043e\u0431\u044b \u043a\u043e\u043c\u043f\u0435\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0432 \u0412\u0437\u0430\u0438\u043c\u043d\u043e\u0435 \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u043e\u0435 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 <\/a>(MMI) Fund, MBA \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u0446\u0435\u043b\u0435\u0432\u043e\u0435 \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u0435 \u0442\u0435\u043a\u0443\u0449\u0435\u0433\u043e \u043c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044f (MIP), \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0432 \u043d\u0430\u0441\u0442\u043e\u044f\u0449\u0435\u0435 \u0432\u0440\u0435\u043c\u044f \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 0,5% \u043e\u0442 \u043d\u0435\u043f\u043e\u0433\u0430\u0448\u0435\u043d\u043d\u043e\u0433\u043e \u043e\u0441\u0442\u0430\u0442\u043a\u0430. \u0422\u0430\u043a\u0436\u0435 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c \u043f\u0435\u0440\u0432\u043e\u043d\u0430\u0447\u0430\u043b\u044c\u043d\u044b\u0439 \u043c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0439 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u044c (MIP) \u0434\u043b\u044f \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432, \u0440\u0435\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u0443\u044e\u0449\u0438\u0445\u0441\u044f \u0438\u0437 \u043e\u0434\u043d\u043e\u0433\u043e HECM \u0432 \u0434\u0440\u0443\u0433\u043e\u0439, \u0447\u0442\u043e\u0431\u044b \u043f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0442\u0438\u0442\u044c \u043d\u0435\u043d\u0443\u0436\u043d\u044b\u0439 \u043e\u0442\u0442\u043e\u043a \u0441\u0440\u0435\u0434\u0441\u0442\u0432.<\/p>\n

\u041c\u0412\u0410 \u043f\u0440\u0438\u0437\u0432\u0430\u043b \u0424\u0410\u0421<\/a> \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043b\u0438\u043c\u0438\u0442\u044b, \u043e\u0442\u043c\u0435\u0447\u0430\u044f, \u0447\u0442\u043e \u043d\u0438\u0437\u043a\u0438\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0433\u043e \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430 \u043e\u0442\u043f\u0443\u0433\u0438\u0432\u0430\u0435\u0442 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u043e\u0432. \u0422\u0430\u043a\u0436\u0435 \u043e\u043d \u00ab\u0440\u0435\u0448\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u0435\u0442 \u043f\u0440\u043e\u0442\u0438\u0432\u00bb \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0435\u0437\u0435\u0440\u0432\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u043d\u0430 \u0441\u043b\u0443\u0447\u0430\u0439 \u043f\u043e\u0442\u0435\u0440\u0438 \u0436\u0438\u0437\u043d\u0438 (\u041b\u0415\u0421\u0410<\/a>) \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0435 \u043a\u043e \u0432\u0441\u0435\u043c \u0437\u0430\u0435\u043c\u0449\u0438\u043a\u0430\u043c, \u0443\u0442\u0432\u0435\u0440\u0436\u0434\u0430\u044f, \u0447\u0442\u043e \u043e\u043d\u043e \u0434\u043e\u043b\u0436\u043d\u043e \u043f\u0440\u0438\u043c\u0435\u043d\u044f\u0442\u044c\u0441\u044f \u0442\u043e\u043b\u044c\u043a\u043e \u043a \u0442\u0435\u043c, \u0443 \u043a\u043e\u0433\u043e \u0432\u044b\u0441\u043e\u043a\u0438\u0439 \u0440\u0438\u0441\u043a \u0434\u0435\u0444\u043e\u043b\u0442\u0430.<\/p>\n

\u0422\u043e\u0440\u0433\u043e\u0432\u0430\u044f \u0433\u0440\u0443\u043f\u043f\u0430 \u043f\u0440\u0438\u0437\u044b\u0432\u0430\u0435\u0442 \u043a \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0430 \u043e\u0446\u0435\u043d\u043a\u0438 \u0440\u0438\u0441\u043a\u043e\u0432 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f, \u0432\u043a\u043b\u044e\u0447\u0430\u044f \u0431\u043e\u043b\u0435\u0435 \u0448\u0438\u0440\u043e\u043a\u043e\u0435 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043c\u043e\u0434\u0435\u043b\u0435\u0439 \u043e\u0446\u0435\u043d\u043a\u0438 (\u0410\u0412\u041c<\/a>) \u0434\u043b\u044f \u0441\u043e\u043a\u0440\u0430\u0449\u0435\u043d\u0438\u044f \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432 \u0438 \u0437\u0430\u0434\u0435\u0440\u0436\u0435\u043a. \u041a\u0440\u043e\u043c\u0435 \u0442\u043e\u0433\u043e, \u044d\u0442\u043e \u0441\u043f\u043e\u0441\u043e\u0431\u0441\u0442\u0432\u0443\u0435\u0442 \u0431\u043e\u043b\u0435\u0435 \u0448\u0438\u0440\u043e\u043a\u043e\u043c\u0443 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044e \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0438 \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u044e \u0443\u0434\u0430\u043b\u0435\u043d\u043d\u043e\u0433\u043e \u0434\u043e\u0441\u0442\u0443\u043f\u0430 \u043a \u043a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438<\/a>.<\/p>\n

MBA \u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0438\u0442 \u0440\u044b\u043d\u043e\u043a, \u043d\u0430 \u043a\u043e\u0442\u043e\u0440\u043e\u043c \u043a\u0430\u043a HECM, \u0442\u0430\u043a \u0438 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u044b \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438<\/a> \u0432\u044b\u043f\u043e\u043b\u043d\u044f\u044e\u0442 \u00ab\u0440\u0430\u0437\u043b\u0438\u0447\u043d\u044b\u0435, \u043d\u043e \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u044b\u0435 \u0444\u0443\u043d\u043a\u0446\u0438\u0438\u00bb. \u041e\u0434\u043d\u0430\u043a\u043e \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f \u0441\u043e\u0433\u043b\u0430\u0441\u043d\u0430 \u0441 \u0442\u0435\u043c, \u0447\u0442\u043e \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 HECM \u043d\u0443\u0436\u0434\u0430\u0435\u0442\u0441\u044f \u0432 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0438, \u043f\u043e\u044d\u0442\u043e\u043c\u0443 \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f, \u043a\u043e\u0442\u043e\u0440\u044b\u0435, \u043f\u043e \u0435\u0451 \u043c\u043d\u0435\u043d\u0438\u044e, \u00ab\u043f\u043e\u043c\u043e\u0433\u0443\u0442 \u0441\u043d\u0438\u0437\u0438\u0442\u044c \u0437\u0430\u0442\u0440\u0430\u0442\u044b \u0434\u043b\u044f \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439, \u0443\u0441\u043a\u043e\u0440\u0438\u0442\u044c \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u0435 \u0438 \u043f\u043e\u0432\u044b\u0441\u0438\u0442\u044c \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u0443\u044e \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0441\u0442\u044c\u00bb.<\/p>\n

HUD \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0435\u0442 \u043a\u043e\u043c\u043c\u0435\u043d\u0442\u0430\u0440\u0438\u0438 \u043f\u043e \u0437\u0430\u043f\u0440\u043e\u0441\u0443 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u0434\u043e 1 \u0434\u0435\u043a\u0430\u0431\u0440\u044f.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

The Mortgage Bankers Association (MBA)\u2019s proposals to reform federal reverse mortgage programs include seven key recommendations \u2014 ranging from the creation of a new securitization option to charging insurance premiums based on the actual amount drawn.\u00a0 In October, the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA) and Ginnie Mae […]<\/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-61654","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nMBA lays out proposed changes for federal reverse mortgage programs - 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\/mba-lays-out-proposed-changes-for-federal-reverse-mortgage-programs\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MBA lays out proposed changes for federal reverse mortgage programs\" \/>\n<meta property=\"og:description\" content=\"The Mortgage Bankers Association (MBA)\u2019s proposals to reform federal reverse mortgage programs include seven key recommendations \u2014 ranging from the creation of a new securitization option to charging insurance premiums based on the actual amount drawn.\u00a0 In October, the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA) and Ginnie Mae […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/housesmarketplace.com\/ru\/mba-lays-out-proposed-changes-for-federal-reverse-mortgage-programs\/\" \/>\n<meta property=\"og:site_name\" content=\"Houses Marketplace\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-02T02:05:06+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 \u043c\u0438\u043d\u0443\u0442\u044b\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/housesmarketplace.com\/#website\",\"url\":\"https:\/\/housesmarketplace.com\/\",\"name\":\"Houses Marketplace\",\"description\":\"International Real Estate\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/housesmarketplace.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/housesmarketplace.com\/mba-lays-out-proposed-changes-for-federal-reverse-mortgage-programs\/#webpage\",\"url\":\"https:\/\/housesmarketplace.com\/mba-lays-out-proposed-changes-for-federal-reverse-mortgage-programs\/\",\"name\":\"MBA lays out proposed changes for federal reverse mortgage programs - 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