Reverse Mortgage Moscow ID

A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. But unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence or fail to meet the obligations of the mortgage. There are certain reverse mortgage requirements you must qualify for before you can apply for this type of FHA Home Equity Conversion Mortgage (HECM) that’s only available to people 62 years of age or older. Please scroll down to learn more and get access to all the products and services in Moscow, ID listed below.

Sterling Savings Bank - Moscow Branch
(800) 772-7791
201 South Jackson Street
Moscow, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining a balance of $2,500.00 or more. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Sterling Savings Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Chase - Moscow Branch
(877) 682-4273
1790 West Pullman Road
Moscow, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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U.S. Bank - Blaine Street Branch
(800) 872-2657
1314 South Blaine Street
Moscow, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Bank of America - Pullman Branch
(800) 432-1000
425 East Main Street
Pullman, WA
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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U.S. Bank - Pullman Branch
(800) 872-2657
301 East Main Street
Pullman, WA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Moscow Eastside Branch
(866) 245-3452
1313 South Blaine St
Moscow, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Moscow Branch
(866) 245-3452
221 South Main Street
Moscow, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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U.S. Bank - Moscow Branch
(800) 872-2657
301 South Main
Moscow, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Sterling Savings Bank - Troy Branch
(800) 772-7791
424 South Main Street
Troy, ID
ATM Fees
monthly fee: Monthly service fees range from $0 to $15.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. This fee can be waived by maintaining a balance of $2,500.00 or more. (Fee does not apply to all accounts.)
ATM Fee Rebate Noe: Sterling Savings Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

Data Provided By:
U.S. Bank - Washington State University Pullman
(800) 872-2657
Compton Union Bldg, 1500 Ne Terrell Mall
Pullman, WA
ATM Fees
monthly fee: Monthly service fees range from $0 to $10.95. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM after 2 uses per month. (Fee does not apply to all accounts.) (Not all accounts provide this fee waiver.)
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Reverse Mortgage

A reverse mortgage is sometimes called a senior reverse mortgage. These home loans allow homeowners age 62+ to borrow against equity in their homes if they meet reverse mortgage requirements. One very popular type is the FHA Home Equity Conversion Mortgage (HECM).

The FHA Home Equity Conversion Mortgage (HECM) is a special type of senior reverse mortgage. With it, the homeowner can borrow against the equity in their home without having to sell their home, give up title to their home or take on a new monthly payment on the mortgage. Instead, this type of mortgage essentially “reverses” the payment. So, instead of making a mortgage payment to the lender, the lender pays the owner instead.

This can be kind of confusing, which is why consulting with an HECM specialty lender is a good idea. The lender can help you understand the reverse mortgage eligibility requirements. Typically, the amounts you can receive are age dependent, as well as factor in the appraised value of the home, current loan interest rates, and with the government program there are also geographical caps on lending limits. Typically, the older you are, and the less you owe on your home, the more money you are able to get through a reverse mortgage.

A wonderful thing about senior reverse mortgage options is that you have choices in how the money is distributed. You can choose fixed monthly payments, a lump sum, or a line of credit. This makes these home loans flexible, and can help borrowers with financial budgeting.

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