Unit
1
The very loans that are supposed to help seniors stay in their homes are in many cases pushing them
out.
Reverse mortgages, which allow homeowners 62 and older to borrow money against the value of their
homes and not pay it back until they move out or die, have long been fraught with problems. But federal and
state regulators are documenting new instances of abuse as smaller mortgage brokers, including former
subprime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record
rates.
Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with
them, not to mention the property taxes and maintenance. Others are wooing seniors with promises that the
loans are free money that can be used to finance long鄄coveted cruises, without clearly explaining the risks.
Some widows are facing eviction after they say they were pressured to keep their name off the deed without
being told that they could be left facing foreclosure after their husbands died.
Now, as the vast baby boomer generation heads for retirement and more seniors grapple with dwindling
savings, the newly minted Consumer Financial Protection Bureau is working on new rules that could mean
better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans areoutstanding, according to the federal government.
Concerns about the multibillion鄄dollar reverse mortgage market echo those raised in the lead鄄up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not
afford.
“ There are many of the same red flags, including explosive growth and the fact that these loans are often
peddled aggressively without regard to suitability,” said Lori Swanson, the Minnesota attorney general, who
is working on reforming the reverse mortgage market.
注（ 1）： 本文选自 The New York Times；
注（ 2）： 本文习题命题模仿对象： 第 1 题模仿 2011 年真题（ 二） Text%1 第 2 题； 第 2 题模仿 2009 年真题
Text%2 第 4 题； 第 3、 4 题模仿 2010 年真题 Text%2 第 3、 2 题； 第 5 题模仿 2011 年真题（ 二） Text%3
第 5 题。
1.% What% can% we% learn% about% mortgage% loans% from% the%
first%two%paragraphs?
［ A］ The%loans%help%seniors%stay%in%their%homes.
［ B］ The%loans%are%actually%expelling%seniors.
［ C］ The%reverse%mortgage%only%welcomes%seniors%62%
and%older.
［ D］ Seniors%can%apply%for%reverse%mortgage%freely
… …
（如何免费下载：请关注本站微信公众号“361图书馆”，在对话框内发送“验证码”三个字，系统自动回复数字验证码，将验证码输入网站中，即可免费下载所需内容。）
>>>下载前特别提醒<<<<
1、手机端支付下载建议使用UC浏览器，360浏览器，夸克浏览器，谷歌浏览器
2、电脑端支付下载建议使用谷歌浏览器，360浏览器，搜狗浏览器，opera浏览器
3、支付后不跳转或者支付失败怎么办？[解决方案]
4、不能正常解压或解压失败怎么办？[解决方案]
5、城通网盘下载教程？[解决方案]
