 |
 52mm 72mm 52 72mm Macro Coupler Reverse Reversing Close Up Ring $16.16 Time Remaining: 29d 9h 29m Buy It Now for only: $16.16 |
 52mm to 42mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $5.45 Time Remaining: 11d 1h 46m Buy It Now for only: $5.45 |
 52mm Macro reverse adapter to Nikon 1 N1 J1 V1 camera extreme close up $11.70 Time Remaining: 11d 23h 2m Buy It Now for only: $11.70 |
 52 52mm Close Up Macro Coupler Reverse Reversing Ring $9.95 Time Remaining: 12d 15h 21m Buy It Now for only: $9.95 |
 52 52mm Macro Reversing Reverse Close Up Ring $10.09 Time Remaining: 6d 3h 30m Buy It Now for only: $10.09 |
 52mm to 58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $5.20 Time Remaining: 11d 1h 46m Buy It Now for only: $5.20 |
 58 58mm Close Up Macro Coupler Reverse Reversing Ring 58mm 58mm Male Threads New $9.95 Time Remaining: 15d 9h 17m Buy It Now for only: $9.95 |
 67 67mm Maxro Coupler Reverse Reversing Close Up Ring $14.14 Time Remaining: 9h 27m Buy It Now for only: $14.14 |
 52mm to 52mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $5.20 Time Remaining: 11d 1h 46m Buy It Now for only: $5.20 |
 49 49mm Close Up Macro Coupler Reverse Reversing Ring 49mm 49mm Metal Adapter $9.95 Time Remaining: 5d 12h 19m Buy It Now for only: $9.95 |
 62mm to 62mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $6.20 Time Remaining: 11d 1h 46m Buy It Now for only: $6.20 |
 2X 49mmto42mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $10.80 Time Remaining: 11d 1h 46m Buy It Now for only: $10.80 |
 Canon EOS EF Mount 52mm Close Up Macro Reverse Adapter $19.70 Time Remaining: 14d 14h 40m Buy It Now for only: $19.70 |
 Reversing 52mm Nikon F lens macro close up adapter NEW $15.45 Time Remaining: 1d 12h 11m Buy It Now for only: $15.45 |
 Genuine Nikon BR 2 reversing ring close up macro adapter very nice E026 $23.99 Time Remaining: 9d 17h 30m Buy It Now for only: $23.99 |
 49 49mm Close Up Macro Coupler Reverse Reversing Ring $3.89 Time Remaining: 25d 9h 44m Buy It Now for only: $3.89 |
 55 55mm Close Up Macro Coupler Reverse Reversing Ring $9.95 Time Remaining: 17d 16h 25m Buy It Now for only: $9.95 |
 77 77mm Close Up Macro Coupler Reverse Reversing Metal Ring Adapter 77mm to 77mm $15.95 Time Remaining: 12d 13h 55m Buy It Now for only: $15.95 |
 77mm to 77mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $5.95 Time Remaining: 11d 1h 46m Buy It Now for only: $5.95 |
 Reversing 58mm Nikon F lens macro close up adapter NEW $12.95 Time Remaining: 1d 13h 21m Buy It Now for only: $12.95 |
 Reversing 52mm 52 mm Minolta MD lens macro close up adapter adaptor NEW in USA $7.99 Time Remaining: 1d 11h 30m Buy It Now for only: $7.99 |
 52MM CLOSE UP REVERSE REVERSING MACRO RING FOR CANON $11.98 Time Remaining: 14d 7h 44m Buy It Now for only: $11.98 |
 Canon EOS EF Mount 58mm Close Up Macro Reverse Adapter $19.70 Time Remaining: 2d 5h 55m Buy It Now for only: $19.70 |
 Reversing 52mm Minolta MD lens macro close up adapter $12.95 Time Remaining: 19d 13h 36m Buy It Now for only: $12.95 |
 77 77mm MACRO COUPLER REVERSE REVERSING CLOSE UP RING $18.18 Time Remaining: 9d 7h 37m Buy It Now for only: $18.18 |
 NEW REVERSING RING MACRO CLOSE UP for the PENTAX SLR CAMERAS MADE IN JAPAN $9.99 Time Remaining: 1d 14h 44m Buy It Now for only: $9.99 |
 2x 72mmto72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $12.25 Time Remaining: 11d 1h 46m Buy It Now for only: $12.25 |
 NEW REVERSING RING MACRO CLOSE UP for the MINOLTA SLR CAMERAS MADE IN JAPAN $9.99 Time Remaining: 1d 14h 42m Buy It Now for only: $9.99 |
 72 72mm Macro Coupler Reverse Reversing Close Up Ring $16.16 Time Remaining: 3d 3h 5m Buy It Now for only: $16.16 |
 62 62mm MACRO COUPLER REVERSE REVERSING CLOSE UP RING $12.12 Time Remaining: 5d 7h 28m Buy It Now for only: $12.12 |
 2x 52mmto55mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $8.85 Time Remaining: 11d 1h 46m Buy It Now for only: $8.85 |
 Nikon BR2 Reverse Ring Great adapter for Close up Photography NICE $24.85 Time Remaining: 7d 18h 6m Buy It Now for only: $24.85 |
 2x 72mmto77mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $9.85 Time Remaining: 11d 1h 46m Buy It Now for only: $9.85 |
 NEW REVERSING RING MACRO CLOSE UP for the MIRANDA SLR CAMERAS MADE IN JAPAN $11.99 Time Remaining: 13d 2h 32m Buy It Now for only: $11.99 |
 2x 58mmto58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $8.85 Time Remaining: 11d 1h 46m Buy It Now for only: $8.85 |
 2x 55mmto55mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $8.85 Time Remaining: 11d 1h 46m Buy It Now for only: $8.85 |
 2x 67mmto72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $9.85 Time Remaining: 11d 1h 46m Buy It Now for only: $9.85 |
 Minolta FD 55mm Reverse Lens Adapter Close Ups LQQK $15.00 Time Remaining: 18d 16h 31m Buy It Now for only: $15.00 |
 Reversing 58mm Nikon F lens macro close up adapter NEW $9.95 Time Remaining: 14d 9h 14m Buy It Now for only: $9.95 |
 2x 52mmto72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $12.25 Time Remaining: 11d 1h 46m Buy It Now for only: $12.25 |
 82 82mm MACRO COUPLER REVERSE REVERSING CLOSE UP RING $16.16 Time Remaining: 9d 15h 18m Buy It Now for only: $16.16 |
 67 67mm Close Up Macro Coupler Reverse Reversing Metal Ring Adapter 67mm to 67mm $13.95 Time Remaining: 12d 14h 3m Buy It Now for only: $13.95 |
 72 72mm Close Up Macro Coupler Reverse Reversing Metal Ring Adapter 72mm to 72mm $15.95 Time Remaining: 12d 14h Buy It Now for only: $15.95 |
 2x 58mmto72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $12.25 Time Remaining: 11d 1h 46m Buy It Now for only: $12.25 |
 49 49mm Close Up Macro Coupler Reverse Reversing Ring Free Shipping $4.99 Time Remaining: 9d 18h 14m Buy It Now for only: $4.99 |
 62 62mm Close Up Macro Coupler Reverse Reversing Ring $11.95 Time Remaining: 5d 14h 40m Buy It Now for only: $11.95 |
 NEW REVERSING RING MACRO CLOSE UP for the NIKON SLR CAMERAS MADE IN JAPAN $9.99 Time Remaining: 1d 14h 43m Buy It Now for only: $9.99 |
 2x 62mmto58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $8.85 Time Remaining: 11d 1h 46m Buy It Now for only: $8.85 |
 2x 62mmto67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $9.85 Time Remaining: 11d 1h 46m Buy It Now for only: $9.85 |
 2x 67mmto67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $9.85 Time Remaining: 11d 1h 46m Buy It Now for only: $9.85 |
 2x 58mmto67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $9.85 Time Remaining: 11d 1h 46m Buy It Now for only: $9.85 |
 82 82mm Close Up Macro Coupler Reverse Reversing Metal Ring Adapter 82mm 82mm $15.95 Time Remaining: 12d 13h 48m Buy It Now for only: $15.95 |
 Canon EOS EF Mount 58mm Close Up Reversing Macro Ring $19.70 Time Remaining: 9d 13h 12m Buy It Now for only: $19.70 |
 NIKON F BR 2 REVERSE ADAPTER RING 52MM MACRO CLOSE UP $59.99 Time Remaining: 27d 13h 57m Buy It Now for only: $59.99 |
 58mm to 67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.99 Time Remaining: 4d 8h 31m Buy It Now for only: $4.99 |
 42mm to 42mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 24d 8h 33m Buy It Now for only: $4.49 |
 52mm to 42mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 2d 9h 4m Buy It Now for only: $4.49 |
 49mm to 52mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 55mm to 55mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 9h 13m Buy It Now for only: $4.49 |
 49mm to 42mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 2d 9h 1m Buy It Now for only: $4.49 |
 405mm to 52mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE U $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 77mm to 77mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 2d 7h 55m Buy It Now for only: $4.49 |
 58mm to 58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 8h 25m Buy It Now for only: $4.49 |
 52mm to 52mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 11d 9h 54m Buy It Now for only: $4.49 |
 52mm to 58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 9h 37m Buy It Now for only: $4.49 |
 67mm to 67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 10h 7m Buy It Now for only: $4.49 |
 52mm to 42mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.98 Time Remaining: 2d 8h 19m Buy It Now for only: $4.98 |
 52mm to 67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 77mm to 77mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 55mm to 58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 67mm to 72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 12h 40m Buy It Now for only: $4.49 |
 52mm to 55mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $3.90 Time Remaining: 1d 3h 33m Buy It Now for only: $3.90 |
 58mm 72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP A1 $4.40 Time Remaining: 1d 2h 46m Buy It Now for only: $4.40 |
 72mm to 77mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 10h 23m Buy It Now for only: $4.49 |
 62mm to 67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 13h 40m Buy It Now for only: $4.49 |
 62mm to 62mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 10h 18m Buy It Now for only: $4.49 |
 58mm to 67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 3d 9h 19m Buy It Now for only: $4.49 |
 72mm to 72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 9h 24m Buy It Now for only: $4.49 |
 52mm to 72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 4d 9h 2m Buy It Now for only: $4.49 |
 58mm to 62mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 58mm to 72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 52mm to 55mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring CLOSE UP $4.49 Time Remaining: 10h 19m Buy It Now for only: $4.49 |
 67mm to 72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 3d 9h 14m Buy It Now for only: $4.49 |
 52mm to 58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring 4 CLOSE UP $4.49 Time Remaining: 9h 44m Buy It Now for only: $4.49 |
 62mm to 58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 2d 8h 36m Buy It Now for only: $4.49 |
 58mm to 58mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 72mm to 77mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 3d 9h 1m Buy It Now for only: $4.49 |
 72mm to 72mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 67mm to 67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 21d 11h 53m Buy It Now for only: $4.49 |
 55mm to 55mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 3d 9h 6m Buy It Now for only: $4.49 |
 62mm to 67mm Male Macro Coupler Reverse LENS REVERSAL Adapter Ring FOR CLOSE UP $4.49 Time Remaining: 3d 9h 15m Buy It Now for only: $4.49 |
Sitting on the Fence on a Reverse Mortgage has already cost you Thousands maybe more
At age 62 with a 50% equity at the average value of $300,000 in 2006
- Value $300,000 had reduced by $75,000.00 on average to $225,000
- They were 62 at the time now 65 years of age.
- Margins at the time were 150 to 175 on average
This person at the time would have received around $188,000 if they had done the Reverse Mortgage at this time year 2006
Now dated 2009 the same person is now 65 years of age the same home is now $225,000 and going down at the average rate of 1% per month depending on the area that you live in.
At age 65 with 50% equity with and average value of $225,000
- Value $225,000 current and reducing by 1% per month
- They are now 65 years of age
- Margins have double to 300 or higher
The same person who waited three years would now receive $115,000 from a Reverse Mortgage which totals the loss of over $73,000.00 dollars.
If they had chosen the number one choice in a Reverse Mortgage which is the Equity Line of Credit (78% of the people choose the Credit Line) it would have grown to over $25,000 dollars in the same period.
Even though they waited to see if the value was going to grow and they thought they would receive more money the older they got they have lost over $100,000 over a three year waiting period.
So if you are a person who is currently 62-65 years of age and you are waiting to see what happens you should not wait any longer and here is why!
Even if the value of Real Estate stops right now and does not go up you would still lose money over the next three years. The single reason is the margins which are being charged on the loan. As we have seen over the last three years the margins have more then doubled and are expected to keep increasing as more and more people choose to get a Reverse Mortgage.
The issue is very simple to understand it is because of supply and demand the more people who choose to get a Reverse Mortgage today the more of a demand for investors to purchase Reverse Mortgage backed securities.
This is the reason the margins keep increasing, as Fannie Mae, which is the single purchaser of these securities has reached the limit of how many the can purchase and they have to look elsewhere for new investors the package has to look and feel better profit wise.
Think about this! These are the Stats over the last three years
According to NRMLA, federal statistics show that the volume of federally insured reverse mortgages – called Home Equity Conversion Mortgages made nationwide in the five-month period from October 2003 through February 2004 (12,848 loans) was 112% higher than the level during the five-month period ending February 2003 (6,061). HECM volume in February 2004 alone (4,148) was a new monthly record, and was 273% higher than the level of February 2003 (1,113).
Also remember that 10,000 people turn 62 years old every single day and as this people look to the Reverse Mortgage the numbers keep growing and over 200% and more each and every year. To attract more investors into purchasing these long term mortgage back securities they must have a great return on investment. The margin in the investor’s rate of return, and the profit for the lender to make these loans possible to the senior over the years since the investor must wait for their return on investment.
So if you are one of the older seniors who had looked at a Reverse Mortgage in the past think again waiting does have a larger cost attached to it then the cost of today closing cost. The same person above would have had closing cost at around 11% up front but would have gained over the same period over $100,000 in saving and growth on the credit line.
In today’s economic uncertainty it is more important to protect the security of your future even if you do not need to money today. This is the single most reason most people select the Equity Credit Line for the future! Do not wait another day to secure your financial future with the expectation of inflation which is inevitable in the future, simply because after deflation come inflation and interest rates will rise and the cost of goods and services will also rise this is the facts. The Reverse Mortgage will be you hedge against inflation in the future.
The other fact to remember is if values go back up in the future which they lost certainly will do we just don’t know when you will have the option to always refinance the Reverse Mortgage and receive more money without some of the closing cost that you paid on the first one. Savings are inevitable just like inflation and increase in real estate values, just don’t let the cost of the future destroy your future today.
About the Author
I am a Reverse Mortgage Specialist I have spent over 20 years as a Real Estate broker and the last 10 years in the mortgage industry, and 5 of them providing Reverse Mortgages. My years as a professional, I have always felt that helping our seniors is helping the back bone of this country. Our seniors are the ones who made this country great and in the time of their lives that is so suppose to be their golden years it is in many cases painted black. I have dedicated my life to helping them achieve some sort of financial independence and help to enjoy the fruits of their labors.
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