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Reverse Mortgage Downsides: 10 Real Drawbacks Explained (2026)

    20 comments
Reverse mortgages have long been surrounded by misconceptions, leading many to believe they come with significant downsides. In reality, many of these concerns are based on myths or incomplete information. In this guide, we separate fact from fiction in the top 10 most common claims about the downsides of reverse mortgages, drawing on more than 20 years of experience helping...
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Reverse Mortgage on a Condo: FHA Approval Rules & Options

    87 comments
[arlo_toc] Many senior borrowers eligible for reverse mortgages or about to become qualified and live in condominium projects have yet to learn of the surprises that may be waiting for them. You may know neighbors who live in your project, currently have reverse mortgage financing, and have heard about how easy it was. Unfortunately, changes in condominiums and HUD programs...
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Reverse Mortgage Pros and Cons in 2026: Costs, Benefits & Risks

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From Michael G. Branson, CEO: As a mortgage banker for over 30 years, my first introduction to reverse mortgages came from my own mother more than 20 years ago — back when they weren't on every commercial and most mortgage bankers (myself included) didn't know much about them. After seeing how well it worked for her circumstances, the very first...
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How Does a Reverse Mortgage Work? 2026 Expert Guide | ARLO™

    38 comments
From Michael G. Branson, CEO: For more than 20 years, I've helped homeowners 62 and older understand the reverse mortgage program and use it to support their retirement as safely as possible. At All Reverse Mortgage, Inc., we focus on one loan type — reverse mortgages. You won't see ads for other lending products on our pages. That single focus...
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Reverse Mortgage Line of Credit & Growth Rate Explained

    129 comments
[arlo_toc] The reverse mortgage line of credit is, in my opinion, the single most underappreciated financial tool available to homeowners age 62 and older. I've been in mortgage banking for 45 years, and for the last 20, I've exclusively originated reverse mortgages, and there is nothing else like it in the lending world. A traditional Home Equity Line of Credit...
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Reverse Mortgage and Divorce — How to Use Home Equity for Settlements, Buyouts & Fresh Starts

    122 comments
While the concept of a reverse mortgage is often associated with bolstering financial stability for retirees, its utility extends beyond mere retirement planning. Beyond its ability to aid those meeting the 62-year-old age requirement in enhancing monthly cash flow or eliminating mortgage payments, there exists a lesser-known yet significant application: navigating divorce situations. For couples facing the complexities of asset...
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Downsizing in Retirement: 6 Reasons to Move and How a Reverse Mortgage for Purchase Makes It Easier

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As we age, our housing needs and preferences often change. The family home that once fulfilled all our needs and still holds a lifetime of memories may begin to feel impractical or burdensome as our family sizes and physical needs change. This is where downsizing, "rightsizing," or even relocating to a more advantageous location is often the best option for...
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How Reverse Mortgage Appraisal Laws & Appeals Work

    8 comments
If you are considering a reverse mortgage, it is important to understand that your home must be appraised by an FHA-approved appraiser. The appraisal is thorough, but there is no need for concern. The appraiser will inspect the entire property, take measurements to confirm the home's size, and review key features and overall condition. This also includes a simple head-and-shoulders...
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