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The restitution unit issues a release on the lien to allow you to get a mortgage up to a particular amount on the home. However, once you get the loan, they put the lien back in place. They notify the lender of what they are willing to allow you to receive in equity on the home and that they will release that amount to them on the lien in the event the home is sold or in event of your death to let them know the loan will be covered.
Most lenders still are not going to lend money in cases of normal loans in these circumstances, BUT because this is a reverse mortgage, meaning the lender gets the home to sell upon your death to recover their money, that makes it a bit easier for you to obtain.
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