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I was convicted of a white collar crime in 2004 and have completed

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my sentence and supervision in...
I was convicted of a white collar crime in 2004 and have completed my sentence and supervision in 2010. There was an order for restitution with payments of $100.00 per month. The Government put a judgement on me for an amount of over $1,000,000.00. Now I am trying to obtain a Reverse Mortgage to fix up my older home, pay some overdue bills and set my life back in order. This judgement shows up on the title search records. The Department of Justice Financial Litigation Unit has told me they will not release the judgement but they will consider allowing me to get some funds. How does this work and do I stand any chance at all of getting the loan?
Submitted: 4 years ago.Category: Legal
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9/27/2013
Lawyer: Law Educator, Esq., Attorney replied 4 years ago
Law Educator, Esq.
Category: Legal
Satisfied Customers: 121,012
Experience: JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
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Thank you for your question. I look forward to working with you to provide you the information you are seeking.

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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