Reverse Mortgage Insights
Straightforward articles to help you understand HECMs, retirement planning, and your options.
Blog posts
2026 HECM Lending Limit Increase: What It Means for Homeowners
The 2026 HECM lending limit is $1,249,125 (up from $1,209,750). Who benefits, how it affects proceeds, and a 2025 vs 2026 example for high-value homes.
Read MoreMy Parent Is Considering a Reverse Mortgage: A Guide for Families
A guide for adult children: how to evaluate if a reverse mortgage is right for your parent, questions to ask, FHA protections, inheritance, and how to be supportive.
Read MoreIs a Reverse Mortgage a Good Idea in Colorado?
Colorado-specific considerations: Front Range home values, property taxes, cost of living. How Colorado homeowners are positioned and when a HECM may make sense.
Read MoreReverse Mortgage vs. HELOC: Which Is Right for Homeowners 62+?
Both let you access home equity, but the rules are different. Compare reverse mortgages and HELOCs for retirees: payments, qualification, and when each makes sense.
Read MoreReverse Mortgage Costs Explained: What You'll Actually Pay
Origination fee, upfront and ongoing MIP, third-party costs, and interest. How they compare to a refinance, what can be financed, and examples at different home values.
Read MoreThe Reverse Mortgage Line of Credit: Your Growing Financial Safety Net
How the HECM line of credit works, why the unused portion grows over time, and how it compares to a HELOC. Strategic uses and why planners recommend a standby LOC.
Read MoreHECM for Purchase: How to Buy a Home Without Monthly Mortgage Payments
HECM for Purchase lets buyers 62+ purchase a new home with a reverse mortgage — no monthly mortgage payments ever. Learn how it works and who it's for.
Read More10 Reverse Mortgage Myths That Could Cost You in Retirement
Debunk the biggest myths: the bank doesn't own your home, you can't be kicked out for no reason, heirs can inherit, and more. Get the facts before you decide.
Read More5 Ways a Reverse Mortgage Can Strengthen Your Retirement Plan
A reverse mortgage isn't just for emergencies. See how homeowners 62+ use HECMs to eliminate monthly payments, create a growing line of credit, and add flexibility to their retirement strategy.
Read MoreReverse Mortgage vs. Downsizing: Which Is Better for Retirement?
Compare the true cost of selling and moving with staying put using a reverse mortgage. When downsizing makes sense, when a HECM does, and how HECM for Purchase fits in.
Read MoreHow Does a Reverse Mortgage Affect Social Security and Medicare?
Reverse mortgage proceeds do not affect Social Security or Medicare. Learn why they're not counted as income, potential Medicaid/SSI considerations, and how to use proceeds with confidence.
Read MoreWhat Happens to a Reverse Mortgage When You Pass Away?
Heirs have options: sell the home, refinance, or pay off the loan. Learn the 6-month timeline, FHA non-recourse protection, spouse rules, and practical steps for families.
Read MoreCan I Get a Reverse Mortgage If I Still Owe on My Home?
Yes. An existing mortgage is paid off first from your reverse mortgage proceeds. Learn how it works step-by-step, what happens when the balance is high, and see an example with real numbers.
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