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Mr. & Mrs. Kerns of Whitehall, Pennsylvania How it works: Home value: $118,000, Qualified for lump sum of $70,655 or monthly income for life of $454. They combined reduced lump sum of $30,000 with reduced monthly income of $254. Mrs. Kerns: “We’re thrilled. We tell everyone about it. It’s completely changed our lives.”The homeowner retains title to the property and can choose to sell the home at anytime. |