Author Archives

How Reverse Mortgages Work – Explained in Simple Terms!

September 9, 2025     24 comments

For over 20 years, All Reverse Mortgage, Inc. has helped thousands of homeowners achieve financial freedom through federally insured reverse mortgages. As a HUD-approved lender that specializes exclusively in reverse mortgages, we bring unmatched expertise to this space.  That’s why this 2025 guide doesn’t just cover the basics, it gives you the complete picture: how reverse mortgages work, what they...
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Debunking the Top 10 Reverse Mortgage Downsides

September 9, 2025     17 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.  In this guide, we will debunk the top 10 common claims about the downsides of reverse mortgages, providing you with the clarity you need. Whether you're exploring reverse mortgage options for yourself or...
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Reverse Mortgage Definition and Glossary (A-Z)

September 1, 2025     75 comments

[arlo_toc] Reverse Mortgage (Definition) A reverse mortgage is a home loan for borrowers typically aged 62 and older that allows you to convert a portion of your home equity into tax-free cash without required monthly mortgage payments. You retain title and are responsible for continuing to pay property taxes and homeowner's insurance. Interest accrues and is added to your balance...
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Top 10 Reverse Mortgage Counseling Agencies (Free & Online Availability)

September 1, 2025     17 comments

The U.S. Department of Housing and Urban Development (HUD) requires that homeowners considering a Home Equity Conversion Mortgage (HECM) receive essential counseling.  This counseling, provided by a HUD-approved HECM agency, covers the details and alternatives of reverse mortgages. To assist you, we are required to offer a list of approved reverse mortgage counseling agencies.  This list includes five nationwide companies...
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Reverse Mortgage Occupancy Requirements Explained

September 1, 2025     74 comments

We live with my mother-in-law and were present throughout the process of her getting a reverse mortgage.  The broker is fully aware that we live there with her, help keep up the property, and pay living expenses.  He told us if she ever needed to go to a nursing home, if she was in the home at least once a...
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Reverse Mortgage Income Requirements in 2025

September 1, 2025     46 comments

Understanding Reverse Mortgage Income Requirements Welcome to our 2025 guide on reverse mortgage income requirements. This article explains the financial assessment underwriting guidelines, specifically the minimum residual income requirements established by HUD. These requirements play a crucial role in the lender’s application process, ensuring that you, as a borrower, can comfortably manage ongoing property-related expenses, such as property taxes, homeowners insurance, and...
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History of the Reverse Mortgage – 1969 to Present Day Facts

September 1, 2025     4 comments

[arlo_toc] [table id=652 /] Bringing it to the Senate Reverse mortgages have been through many changes in their short, 57-year (depending on who you ask) lifespan.  As the story goes, a small, local bank wrote the first reverse mortgage in 1961 to a woman in Portland, Maine.  The bank owner wanted to help the wife of his...
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3 Types of Reverse Mortgages Explained: Which One Is Right for You?

September 1, 2025     5 comments

If you're exploring ways to use your home's equity to improve your financial security in retirement, it's helpful to know that there are three main types of reverse mortgages, each designed for different needs. In this article, we'll explain: Home Equity Conversion Mortgages (HECM): The most popular, federally insured option. Proprietary Reverse Mortgages: Also known as "jumbo" reverse mortgages, these...
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Reverse Mortgage Refinance 2025 | HECM Limits & Rates

August 25, 2025     60 comments

Thinking about refinancing your reverse mortgage?  HUD’s rules and FHA lending limits continue to evolve, and 2025 brings some significant updates. This guide will walk you through today’s HECM refinance opportunities, current rates, and protections you should know before starting an application. [arlo_toc] When to Refinance Your Reverse Mortgage Your home value has increased considerably. You obtained your loan when...
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2025 Guide to Reverse Mortgage Purchase (HECM Purchase)

August 24, 2025     16 comments

Updated: 9/19/2025 Welcome to our guide on Purchase Reverse Mortgages!  In this article, we explain how you can buy a new home utilizing a reverse mortgage loan, making it easier to transition as you age.  Whether you’re downsizing, moving to a more accessible home, or relocating closer to family, this guide is for you. We’ll cover the essentials, from the...
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