/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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		<h1 class="post-title entry-title">Reverse Mortgage: What It Is, How Seniors Use It</h1>

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<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">After retirement, with out common revenue, chances are you&#8217;ll generally battle with funds. In case you&#8217;re a home-owner, a reverse mortgage is one choice which will aid you handle your monetary challenges.</span></p>
</div>
<p><h2 class="_1N9_w5 _1w8XVi DFVVwC _1My7YX" data-currency="Text"><span class="_1N9_w5 _1w8XVi DFVVwC _3-to_p">What&#8217;s a reverse mortgage?</span></h2>
</p>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">A reverse mortgage is a house mortgage that permits householders 62 and older to withdraw a few of their </span><span class="DFVVwC _3-to_p">house fairness</span><span class="DFVVwC _3-to_p"> and convert it into money. You do not have to pay taxes on the proceeds or make month-to-month mortgage funds.</span></p>
</div>
<p><h2 class="_1N9_w5 _1w8XVi DFVVwC _1My7YX" data-currency="Text"><span class="_1N9_w5 _1w8XVi DFVVwC _3-to_p">How individuals use reverse mortgages</span></h2>
</p>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">You should utilize reverse mortgage proceeds nevertheless you want. They&#8217;re usually earmarked for bills akin to:</span></p>
</div>
<div class="_3K5BdR">
<ul data-currency="List" class="_1PjQbW">
<li class="_134slX _2C6PLy tbvJKO"/>
<li class="_134slX _2C6PLy tbvJKO"/>
<li class="_134slX _2C6PLy tbvJKO"/>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">Serving to youngsters with faculty</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">Shopping for one other house that may higher meet your wants as you age</span></p>
</div>
</li>
</ul>
</div>
<p><h2 class="_1N9_w5 _1w8XVi DFVVwC _1My7YX" data-currency="Text"><span class="_1N9_w5 _1w8XVi DFVVwC _3-to_p">Benefits and drawbacks of reverse mortgages</span></h2>
</p>
<div class="_3K5BdR">
<div>
<div>
<div>
<div class="SAKxMM">
<div class="_1P8vTW">
<table class="_2v8qMu" tabindex="0">
<thead>
<tr class="_39zevc">
<th class="yhBG0F" scope="col"/>
<th class="yhBG0F" scope="col"/></tr>
</thead>
<tbody>
<tr class="_2zmV4v">
<td class="cd5xpk">
<div class="_3GIOzA _1d4dVJ _7T_U1A">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">Your heirs will not should repay the mortgage</span></p>
</div>
</div>
</td>
<td class="cd5xpk">
<div class="_3GIOzA _1d4dVJ _7T_U1A">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">The charges price 1000&#8217;s of {dollars}</span></p>
</div>
</div>
</td>
</tr>
<tr class="_2zmV4v _39zevc">
<td class="cd5xpk _39zevc">
<div class="_3GIOzA _1d4dVJ _7T_U1A">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">The mortgage provides you monetary wiggle room</span></p>
</div>
</div>
</td>
<td class="cd5xpk _39zevc">
<div class="_3GIOzA _1d4dVJ _7T_U1A">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">The mortgage reduces your fairness in your house</span></p>
</div>
</div>
</td>
</tr>
<tr class="_2zmV4v">
<td class="cd5xpk">
<div class="_3GIOzA _1d4dVJ _7T_U1A">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">An eligible surviving partner can keep within the house</span></p>
</div>
</div>
</td>
<td class="cd5xpk">
<div class="_3GIOzA _1d4dVJ _7T_U1A">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">You may lose your house in case you do not pay property taxes and insurance coverage</span></p>
</div>
</div>
</td>
</tr>
</tbody>
</table>
</div>
</div>
</div>
</div>
</div>
</div>
<p><h2 class="_1N9_w5 _1w8XVi DFVVwC _1My7YX" data-currency="Text"><span class="_1N9_w5 _1w8XVi DFVVwC _3-to_p">How do reverse mortgages work?</span></h2>
</p>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">A reverse mortgage is the alternative of a conventional house mortgage; as an alternative of paying a lender a month-to-month cost every month, the lender pays you. You continue to should pay property taxes, householders insurance coverage and different associated prices, or you would danger foreclosures.</span></p>
</div>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">The sum you obtain in a reverse mortgage is predicated on a sliding scale of life expectancy. The older you&#8217;re, the extra house fairness you possibly can pull out.</span></p>
</div>
<p><h2 class="_1N9_w5 _1w8XVi DFVVwC _1My7YX" data-currency="Text"><span class="_1N9_w5 _1w8XVi DFVVwC _3-to_p">Two sorts of reverse mortgages</span></h2>
</p>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">The Federal Housing Administration insures two reverse mortgage sorts: adjustable-rate and a fixed-rate.</span></p>
</div>
<div class="_3K5BdR">
<ol data-currency="List" class="_2vAAlI">
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">Mounted-rate reverse mortgages encompass a one-time lump sum cost.</span></p>
</div>
</li>
</ol>
</div>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">2. Adjustables have 5 cost choices:</span></p>
</div>
<div class="_3K5BdR">
<ul data-currency="List" class="_1PjQbW">
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p">Tenure:</span></span><span class="DFVVwC _3-to_p"> Set month-to-month funds as long as you or your eligible partner stay within the house</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p">Time period:</span></span><span class="DFVVwC _3-to_p"> Set month-to-month funds for a set interval</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p">Line of credit score:</span></span><span class="DFVVwC _3-to_p"> Unspecified funds once you want them, till you’ve exhausted your funds</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p">Modified tenure:</span></span><span class="DFVVwC _3-to_p"> A line of credit score and set month-to-month funds for so long as you or your eligible partner stay within the house</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p"><span class="T2PcQE DFVVwC _3-to_p">Modified time period:</span></span><span class="DFVVwC _3-to_p"> A line of credit score and set month-to-month funds for a set interval of your selecting</span></p>
</div>
</li>
</ul>
</div>
<p><h2 class="_1N9_w5 _1w8XVi DFVVwC _1My7YX" data-currency="Text"><span class="_1N9_w5 _1w8XVi DFVVwC _3-to_p">Am I eligible for a reverse mortgage?</span></h2>
</p>
<div class="_3K5BdR">
<ul data-currency="List" class="_1PjQbW">
<li class="_134slX _2C6PLy tbvJKO"/>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">You and/or an eligible partner — who have to be named as such on the mortgage even when she or he isn&#8217;t a co-borrower — stay within the house as your major residence</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">You don&#8217;t have any delinquent federal money owed</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">You personal your house outright or have a substantial quantity of fairness in it</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">You attend the obligatory counseling session with a house fairness conversion mortgages (HECM) counselor accepted by the Division of Housing and City Improvement</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">Your property meets all FHA property requirements and flood necessities</span></p>
</div>
</li>
<li class="_134slX _2C6PLy tbvJKO">
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">You proceed paying all property taxes, householders insurance coverage and different family upkeep charges so long as you reside within the house</span></p>
</div>
</li>
</ul>
</div>
<p><h2 class="_1N9_w5 _1w8XVi DFVVwC _1My7YX" data-currency="Text"><span class="_1N9_w5 _1w8XVi DFVVwC _3-to_p">What else you&#8217;ll want to know</span></h2>
</p>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">Earlier than issuing a reverse mortgage, a lender will verify your credit score historical past, confirm your month-to-month revenue versus your month-to-month monetary obligations and order an appraisal on your house.</span></p>
</div>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">The Client Monetary Safety Bureau recommends ready till you’re older to acquire a reverse mortgage so that you don’t run out of cash too early into retirement.</span></p>
</div>
<div class="_3K5BdR">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">Practically all reverse mortgages are issued as house fairness conversion mortgages (HECMs), that are insured by the Federal Housing Administration. HECMs include stringent borrowing tips and a </span><span class="DFVVwC _3-to_p">mortgage restrict</span><span class="DFVVwC _3-to_p">.</span></p>
</div>
<div class="_3GIOzA _1d4dVJ">
<p class="DFVVwC _3-to_p"><span class="DFVVwC _3-to_p">In case you suppose a reverse mortgage is likely to be best for you, discover an </span><span class="DFVVwC _3-to_p">HECM counselor</span><span class="DFVVwC _3-to_p"> or name 800-569-4287 toll-free to study extra about this financing choice. In case you determine to use for a reverse mortgage, you possibly can contact an </span><span class="DFVVwC _3-to_p">FHA-approved lender</span><span class="DFVVwC _3-to_p">.</span></p>
</div>
</div>
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2023-03-19T01:01:39+00:00","datePublished":"2023-03-19T01:01:39+00:00","dateModified":"2023-03-19T01:01:40+00:00","headline":"Reverse Mortgage: What It Is, How Seniors Use It","name":"Reverse Mortgage: What It Is, How Seniors Use It","keywords":"Mortgage,Reverse,Seniors","url":"https:\/\/baghdadtime.com\/reverse-mortgage-what-it-is-how-seniors-use-it\/","description":"After retirement, with out common revenue, chances are you'll generally battle with funds. In case you're a home-owner, a reverse mortgage is one choice which will aid you handle your monetary challen","copyrightYear":"2023","articleSection":"Finance","articleBody":"After retirement, with out common revenue, chances are you'll generally battle with funds. In case you're a home-owner, a reverse mortgage is one choice which will aid you handle your monetary challenges.What's a reverse mortgage?A reverse mortgage is a house mortgage that permits householders 62 and older to withdraw a few of their house fairness and convert it into money. You do not have to pay taxes on the proceeds or make month-to-month mortgage funds.How individuals use reverse mortgagesYou should utilize reverse mortgage proceeds nevertheless you want. They're usually earmarked for bills akin to:Serving to youngsters with facultyShopping for one other house that may higher meet your wants as you ageBenefits and drawbacks of reverse mortgagesYour heirs will not should repay the mortgageThe charges price 1000's of {dollars}The mortgage provides you monetary wiggle roomThe mortgage reduces your fairness in your houseAn eligible surviving partner can keep within the houseYou may lose your house in case you do not pay property taxes and insurance coverageHow do reverse mortgages work?A reverse mortgage is the alternative of a conventional house mortgage; as an alternative of paying a lender a month-to-month cost every month, the lender pays you. You continue to should pay property taxes, householders insurance coverage and different associated prices, or you would danger foreclosures.The sum you obtain in a reverse mortgage is predicated on a sliding scale of life expectancy. The older you're, the extra house fairness you possibly can pull out.Two sorts of reverse mortgagesThe Federal Housing Administration insures two reverse mortgage sorts: adjustable-rate and a fixed-rate.Mounted-rate reverse mortgages encompass a one-time lump sum cost.2. Adjustables have 5 cost choices:Tenure:\u00a0Set month-to-month funds as long as you or your eligible partner stay within the houseTime period:\u00a0Set month-to-month funds for a set intervalLine of credit score:\u00a0Unspecified funds once you want them, till you\u2019ve exhausted your fundsModified tenure:\u00a0A line of credit score and set month-to-month funds for so long as you or your eligible partner stay within the houseModified time period:\u00a0A line of credit score and set month-to-month funds for a set interval of your selectingAm I eligible for a reverse mortgage?You and\/or an eligible partner \u2014 who have to be named as such on the mortgage even when she or he isn't a co-borrower \u2014 stay within the house as your major residenceYou don't have any delinquent federal money owedYou personal your house outright or have a substantial quantity of fairness in itYou attend the obligatory counseling session with a house fairness conversion mortgages (HECM) counselor accepted by the Division of Housing and City ImprovementYour property meets all FHA property requirements and flood necessitiesYou proceed paying all property taxes, householders insurance coverage and different family upkeep charges so long as you reside within the houseWhat else you'll want to knowEarlier than issuing a reverse mortgage, a lender will verify your credit score historical past, confirm your month-to-month revenue versus your month-to-month monetary obligations and order an appraisal on your house.The Client Monetary Safety Bureau recommends ready till you\u2019re older to acquire a reverse mortgage so that you don\u2019t run out of cash too early into retirement.Practically all reverse mortgages are issued as house fairness conversion mortgages (HECMs), that are insured by the Federal Housing Administration. HECMs include stringent borrowing tips and a\u00a0mortgage restrict.In case you suppose a reverse mortgage is likely to be best for you, discover an\u00a0HECM counselor\u00a0or name 800-569-4287 toll-free to study extra about this financing choice. In case you determine to use for a reverse mortgage, you possibly can contact an\u00a0FHA-approved lender.\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/reverse-mortgage-what-it-is-how-seniors-use-it\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2023\/03\/GettyImages-626862364.jpg","width":1200,"height":250}}</script>
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