Author Archives

Reverse Mortgage Explained: What It Is and How It Works in 2025

November 23, 2025     24 comments

For more than 20 years, I’ve helped older homeowners understand and use reverse mortgages safely.  At All Reverse Mortgage, Inc., we focus on one loan and one purpose — helping you use the equity you’ve built to support your retirement with clear numbers and no pressure. This guide walks you through the essentials in plain English: what a reverse mortgage...
Read Full Article

How Paying off a Reverse Mortgage at 95% Works

November 23, 2025     27 comments

Hello All Reverse, I’ve read through your website and the Q&A section, and I’m confused by a few points. I’m hoping you can explain what really happens with my mother’s home and whether her grandchildren are allowed to buy it. Your site says a reverse mortgage is non-recourse, so the estate doesn’t have to pay the difference if the home...
Read Full Article

Reverse Mortgage Refinance: 2025 Rules, Eligibility, Limits & Rates

November 14, 2025     62 comments

If you are considering a reverse mortgage refinance, you are not alone.  Over time, your home value, your needs, and HUD’s rules can all change.  A refinance can help you access more equity, protect a younger spouse, lower interest costs, or move into a loan that fits your situation today. In this guide, I explain when refinancing makes sense, the...
Read Full Article

2025 Jumbo Reverse Mortgage Guide: Top Lenders, Rates & Loan Limits

October 29, 2025     16 comments

In 2025, the landscape of reverse mortgages continues to evolve, with jumbo reverse mortgages (also known as proprietary or private reverse mortgages) emerging as a significant option for homeowners with high-value or non-conforming/non-FHA insured properties. In this article, we will dissect the significant differences between jumbo and FHA-insured reverse mortgages, clarifying why and when a jumbo reverse mortgage could be...
Read Full Article

2025 Guide to Reverse Mortgage Purchase (HECM Purchase)

October 22, 2025     16 comments

Updated: 10/22/2025 Welcome to our 2025 Guide to Reverse Mortgage Purchase (HECM for Purchase).  This year’s update reflects the latest HUD rule changes, including new allowances for 6% seller contributions, expanded gift funding options, and updated property requirements. If you’re planning to move, downsize, or relocate closer to family, a reverse mortgage can help you buy your next home without...
Read Full Article

Reverse Mortgage Qualifications & Requirements (2025 Guide) – See If You Qualify

October 19, 2025     18 comments

If you're a homeowner age 62 or older and want access to a portion of your home equity without selling or taking on new required monthly payments, a reverse mortgage may be an option.  But you must meet HUD’s 2025 eligibility criteria for income, property, equity, and now citizenship status. This guide explains every qualification you need to know for...
Read Full Article

Best Reverse Mortgage Lenders of 2025 – Rates, Reviews & How to Choose

October 13, 2025     2 comments

Looking for the best reverse mortgage lender in 2025?  Whether you’re just starting to explore your options or comparing interest rates and closing costs, this guide breaks down the top reverse mortgage companies based on verified reviews, BBB ratings, complaint history, and lender transparency.  How We Chose the Best Reverse Mortgage Lenders in 2025 Choosing a reverse mortgage lender is...
Read Full Article

Return of Non-FHA Reverse Mortgages are Here!

October 4, 2025     32 comments

If you're in the market for a loan that can convert your home equity into cash flow or a line of credit in retirement, chances are you have explored the option of a reverse mortgage. However, the reverse mortgage is not a one-size-fits-all solution.  Many people are unaware that there are several products to choose from, including both Federal Housing Administration...
Read Full Article

Dave Ramsey Offering Bad Advice on Reverse Mortgages

October 1, 2025     14 comments

Does Dave Ramsey know much about reverse mortgages?  Dave does a hit piece on reverse mortgages, pointing out some of the less popular aspects of the loan.  However, he is either OK with exaggerating the truth or reveals his ignorance about how reverse mortgages work. [arlo_toc] Is Dave right about Reverse Mortgages? Firstly, let’s...
Read Full Article

How Government Shutdowns Affect Reverse Mortgages

September 29, 2025     2 comments

FHA & HECM Operations During a Federal Government Shutdown When the U.S. government shuts down because Congress hasn’t approved funding, many HUD and FHA offices run with limited staff and services.  For the Home Equity Conversion Mortgage (HECM) program, here’s what matters: What Stays Open Loan Servicing & Payments — If you already have a HECM, your monthly draws and...
Read Full Article