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I feel like a lot of us succumb to "pressure" from any type of working professional be it a car salesman, bankers, life insurance agents etc. All we have to do is look at advertisements and see all the methods that are used.
Years ago, we almost did a reverse mortgage for my mom but, decided against it since we were not completely convinced it was a good or right thing to do.
You say she had lowered her spending by 90%, you plan to sell and move within the next year and you are moving in with her - sorry but, you don't need to do the loan. These people know how to "manipulate" others and they are "manipulating" you and your mother. The oldest trick in the book is to see a lonely, older person - befriend them and they think they have it in the bag. The woman agent should not be acting in this manner. That's exactly how my mom ended up doing a ten-year annuity without my knowledge which came up for renewal this year. Since I'm now her financial power of attorney, I called the company and said I wanted to cash out and I put it in her money market.
Please go with your intuition and remember you "NEVER, EVER" have to agree to anything that involves your own personal money/assets. This is their livelihood and therefore they are good at the "hard sell" at your expense (literally and figuratively speaking).
You need to firmly let them know you are in charge and in control of the situation. I would firmly say (with no apologies or explanations) you are no longer in need of or interested in doing a reverse mortgage but, thank you for your time. PERIOD! turn around, leave and don't go back. End of story. Good luck!
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