29 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
64 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
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If you’re thinking about moving, downsizing, or getting closer to family, a reverse mortgage can help you buy your next home without taking on a monthly mortgage payment. Many homeowners are surprised to learn that you can use a reverse mortgage to purchase a home in one simple transaction. You bring a down payment, the reverse mortgage covers the rest,... Read Full Article
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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
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Looking for the best reverse mortgage lender in 2026? 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 2026 Choosing a reverse mortgage lender is... Read Full Article
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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
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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
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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
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If you’re exploring a reverse mortgage, the first question is simple: how old do you need to be? For the federally insured Home Equity Conversion Mortgage (HECM), you must be at least 62 when the loan closes. That requirement remains the same for 2026. Your age also plays a direct role in how much you qualify for, since older borrowers... Read Full Article
132 comments
I would like to know the exact reverse mortgage property requirements, such as central heating, water wells, septic systems, etc. To hear these reverse mortgages advertised, one might get the impression that getting one is very simple. However, after some preliminary inquiries, it's beginning to look like everything else involving the government can become incredibly complicated. Updated September 2025 with... Read Full Article
This material has not been reviewed, approved, or issued by HUD, FHA, or any government agency. All Reverse Mortgage, Inc. is an independent company and is not affiliated with, acting on behalf of, or endorsed by HUD/FHA or any government agency. This content is for educational purposes and is not tax advice. Reverse mortgage programs may not be available in all states.
*#1 Rated Reverse Mortgage Lender: Based on a comparative review of BBB ratings, complaint histories, accreditation status, customer review scores, and positive-review percentages for the top 20 HECM lenders by endorsement volume (RMInsight, October 1, 2025). BBB data verified December 10, 2025. View Full Advertising Disclosure
