[{"data":1,"prerenderedAt":143},["ShallowReactive",2],{"team":3,"loan-reverse-mortgage":73},{"id":4,"es":5,"extension":21,"members":22,"meta":66,"stem":67,"story":68,"storyTitle":71,"__hash__":72},"team\u002Fteam.yml",{"storyTitle":6,"story":7,"members":10},"El enfoque del equipo Tokar",[8,9],"Sus metas orientan la conversación. Ya sea que compre su primera casa, planee su siguiente mudanza, refinancie o financie una propiedad de inversión, The Tokar Team le ayuda a entender sus opciones y a prepararse para el siguiente paso.","Puede contar con respuestas directas, actualizaciones en el camino y un equipo que trabaja junto para que su financiamiento siga avanzando.",[11,16],{"id":12,"role":13,"bio":13,"bioLong":14,"photoAlt":15},"ari","Gerente de operaciones de sucursal",[],"Retrato de Ari Tokar sonriendo con un blazer azul marino y una camisa celeste.",{"id":17,"role":18,"bio":18,"bioLong":19,"photoAlt":20},"danny","Gerente de sucursal productor",[],"Retrato de Danny Tokar sonriendo con una camisa a cuadros azul y verde.","yml",[23,48],{"id":12,"name":24,"role":25,"roleTodo":26,"bio":25,"bioLong":27,"nmls":28,"phone":29,"email":30,"applicationUrl":31,"photo":32,"photoAlt":33,"primaryContact":34,"social":35},"Ari Tokar","Branch Operations Manager","",[],"1462188","(561) 714-4218","ari@thetokarteam.com","https:\u002F\u002Flo-sites.goldstarfinancial.com\u002F?lar=atokar","\u002Fstaff\u002FAri-Tokar.jpg","Portrait of Ari Tokar smiling in a navy blazer and light blue shirt.",false,[36,40,44],{"id":37,"label":38,"url":39},"instagram","Instagram","https:\u002F\u002Fwww.instagram.com\u002Faritokar.mortgage\u002F",{"id":41,"label":42,"url":43},"facebook","Facebook","https:\u002F\u002Fwww.facebook.com\u002Ftokarari",{"id":45,"label":46,"url":47},"linkedin","LinkedIn","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Faritokar\u002F",{"id":17,"name":49,"role":50,"roleTodo":26,"bio":50,"bioLong":51,"nmls":52,"phone":53,"email":54,"applicationUrl":55,"photo":56,"photoAlt":57,"primaryContact":58,"social":59},"Danny Tokar","Producing Branch Manager",[],"1098658","(954) 589-3661","Danny@thetokarteam.com","https:\u002F\u002Flo-sites.goldstarfinancial.com\u002F?lar=dtokar","\u002Fstaff\u002FDanny-Tokar.jpg","Portrait of Danny Tokar smiling in a blue and green plaid shirt.",true,[60,62,64],{"id":45,"label":46,"url":61},"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fdanny-tokar-2b6572a\u002F",{"id":41,"label":42,"url":63},"https:\u002F\u002Fwww.facebook.com\u002Fdaniel.tokar.1",{"id":37,"label":38,"url":65},"https:\u002F\u002Fwww.instagram.com\u002Flenderdanieltokar\u002F",{},"team",[69,70],"Your goals shape the conversation. Whether you're purchasing your first home, planning your next move, refinancing, or financing an investment property, The Tokar Team helps you make sense of your options and prepare for the next step.","You can expect straightforward answers, updates along the way, and a team that works together to keep your financing moving forward.","The Tokar Team Approach","5tOdoLP0kSwHN-E_LI2015QjNlLGgRKWkBh0N9AU2KA",{"id":74,"title":75,"body":76,"description":92,"es":93,"extension":119,"eyebrow":120,"meta":121,"navigation":58,"path":122,"programs":123,"sections":126,"seo":139,"stem":140,"summary":141,"__hash__":142},"loans\u002Floans\u002Freverse-mortgage.md","Reverse Mortgage",{"type":77,"value":78,"toc":89},"minimark",[79,83,86],[80,81,82],"p",{},"You keep title on a typical reverse mortgage, and the obligations do not go away. Taxes, insurance, and maintenance stay with you.",[80,84,85],{},"Age, occupancy, and equity all matter. None of them are decided by a button on this website.",[80,87,88],{},"Ask the Tokar Team to explain the counseling step before you apply. The team can start that conversation.",{"title":26,"searchDepth":90,"depth":90,"links":91},2,[],"How a reverse mortgage works for Florida homeowners, including HECM counseling, eligibility, and what you still owe for taxes and insurance. The Tokar Team does not decide eligibility on this page.",{"title":94,"description":95,"eyebrow":96,"summary":97,"programs":98,"sections":102,"prose":115},"Hipoteca inversa","Cómo funciona una hipoteca inversa para propietarios en Florida, incluida la consejería del HECM, la elegibilidad y lo que usted sigue debiendo por impuestos y seguro. El equipo Tokar no decide la elegibilidad en esta página.","Capital de la vivienda","Los propietarios de 62 años o más, y en algunos programas propietarios de 55 años o más, pueden preguntar si una hipoteca inversa entra en el plan para quedarse en la casa.",[99,100,101],"HECM","Opciones propietarias","Preguntas de elegibilidad",[103,106,109,112],{"heading":104,"body":105},"Qué hace realmente el préstamo","Una hipoteca inversa convierte parte del capital en fondos que usted puede usar mientras sigue viviendo en la casa. La versión común es la Home Equity Conversion Mortgage, o HECM, asegurada por la FHA. En un HECM usted por lo general conserva el título, no hace un pago mensual obligatorio de capital e interés, y el préstamo se paga cuando la casa se vende o deja de ser su vivienda principal. Los fondos a menudo no se tratan como ingreso gravable; un asesor de impuestos debe confirmarlo para su declaración.",{"heading":107,"body":108},"La consejería va antes de la solicitud","La consejería aprobada por el HUD es obligatoria antes de solicitar un HECM, para que un consejero independiente explique el préstamo antes de abrir un expediente. Después, una solicitud y una tasación de la FHA confirman el valor y la condición de la propiedad. El HUD revisa el ingreso residual y el historial de pagos reciente. Esa revisión no publica un puntaje de crédito mínimo. Cualquier hipoteca existente se paga con los fondos en el cierre, y los fondos quedan disponibles después del periodo de derecho de rescisión, en la forma que usted eligió.",{"heading":110,"body":111},"A quién mira el HUD","Al menos un prestatario debe tener 62 años o más. Un cónyuge más joven a veces puede ser un cónyuge elegible que no es prestatario. La casa debe ser su vivienda principal y cumplir las normas de propiedad de la FHA, y debe haber suficiente capital para pagar cualquier hipoteca actual en el cierre. Usted sigue pagando los impuestos de la propiedad, el seguro de propietario y el mantenimiento. Dejar de pagarlos puede poner el préstamo en incumplimiento. El monto máximo de reclamación de la FHA es una cifra publicada que cambia; el monto de 2026 es $1,249,125. Los productos propietarios pueden cubrir casas de mayor valor y, en algunos casos, prestatarios desde los 55 años.",{"heading":113,"body":114},"Protecciones, formas de recibir los fondos y compensaciones","Un HECM es un préstamo sin recurso, así que no se espera que usted o sus herederos paguen más que el valor de la casa cuando el préstamo vence. Los herederos pueden vender, refinanciar para quedarse con la casa o saldar el préstamo al 95% del valor de tasación, y no responden personalmente. Los fondos pueden ser una línea de crédito, pagos mensuales por un plazo fijo o mientras usted viva en la casa, un pago único o una combinación. Un HECM for Purchase puede comprar otra vivienda principal. Los costos incluyen la originación, con un tope de $6,000, más el seguro hipotecario de la FHA y los costos de cierre ordinarios. El saldo crece, así que el capital baja con el tiempo. Los beneficios según necesidad, como Medicaid, pueden verse afectados; el Seguro Social y Medicare por lo general no.",[116,117,118],"Usted conserva el título en una hipoteca inversa típica, y las obligaciones no desaparecen. Los impuestos, el seguro y el mantenimiento siguen siendo suyos.","La edad, la ocupación y el capital importan. Ninguno de ellos se decide con un botón de este sitio.","Pídale al equipo Tokar que explique el paso de consejería antes de solicitar. El equipo puede empezar esa conversación.","md","Home Equity",{},"\u002Floans\u002Freverse-mortgage",[99,124,125],"Proprietary options","Eligibility questions",[127,130,133,136],{"heading":128,"body":129},"What the Loan Actually Does","A reverse mortgage converts part of the equity into funds you can use while you keep living in the home. The common version is the Home Equity Conversion Mortgage, or HECM, which is insured by the FHA. On a HECM you generally keep title, you do not make a required monthly principal-and-interest payment, and the loan is repaid when the home is sold or is no longer your primary residence. Proceeds are often not treated as taxable income; a tax advisor should confirm that for your return.",{"heading":131,"body":132},"Counseling Comes Before an Application","HUD-approved counseling is required before you apply for a HECM, so an independent counselor explains the loan before a file is opened. After that, an application and an FHA appraisal confirm value and property condition. HUD reviews residual income and recent payment history. There is no published minimum credit score for that review. Any existing mortgage is paid off from the proceeds at closing, and funds are available after the right-of-rescission period in the form you chose.",{"heading":134,"body":135},"Who HUD Looks At","At least one borrower must be 62 or older. A younger spouse can sometimes be an eligible non-borrowing spouse. The home must be your primary residence and meet FHA property standards, and there must be enough equity to pay off any current mortgage at closing. You still pay property taxes, homeowners insurance, and upkeep. Missing those can put the loan in default. FHA’s maximum claim amount is a published figure that changes; the 2026 amount is $1,249,125. Proprietary products can cover higher-value homes and, in some cases, borrowers as young as 55.",{"heading":137,"body":138},"Protections, Payout Choices, and Tradeoffs","A HECM is a non-recourse loan, so you or your heirs are not expected to repay more than the home’s value when the loan becomes due. Heirs can sell, refinance to keep the home, or satisfy the loan at 95% of appraised value, and they are not personally liable. Funds can be a line of credit, monthly payments for a set term or for as long as you live in the home, a lump sum, or a mix. A HECM for Purchase can buy a different primary home. Costs include origination, capped at $6,000, plus FHA mortgage insurance and ordinary closing costs. The balance grows, so equity falls over time. Needs-based benefits such as Medicaid can be affected; Social Security and Medicare generally are not.",{"title":75,"description":92},"loans\u002Freverse-mortgage","Homeowners 62 and older, and in some proprietary programs homeowners 55 and older, can ask whether a reverse mortgage belongs in the plan for staying in the house.","9GOyhfJ7_A2lMzB2DT1xH1F65JZMfiic1KUj0s3HBtA",1793200166101]