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The Realtor’s Guide to Reverse Mortgages for Home Purchase

April 15, 2025 2 comments

[arlo_toc] Why Realtors Should Understand Reverse Mortgages for Home Purchase The HECM for Purchase program (Home Equity Conversion Mortgage) is an FHA-insured loan that allows homebuyers aged 62 and older to purchase a new primary residence with no monthly mortgage payments. This benefits your senior buyers, helps your sellers move their listings, and ultimately helps you close more transactions. Yet...
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Why Reverse Mortgages Are Safe from DOGE Cuts

April 10, 2025 no comments

[arlo_toc] If you’ve been thinking about a reverse mortgage but are unsure whether the program will still be around in the future—or what might happen if federal budget cuts from "DOGE," the Department of Government Efficiency impacts housing programs—you’re not alone. At All Reverse Mortgage, Inc., we speak with people every day who are interested in tapping into their home’s...
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Is a Reverse Mortgage a Good Idea? 4 Smart Reasons to Consider in 2025

March 5, 2025 27 comments

Thinking about your finances can feel overwhelming, but a reverse mortgage can provide financial relief and peace of mind when used wisely. It’s a loan designed to help homeowners aged 62 and older turn their home equity into cash—without selling or making monthly mortgage payments. But is it a good idea for you? This guide explores four scenarios where a...
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Reverse Mortgage Line of Credit & Growth Rate Explained

February 17, 2025 118 comments

[arlo_toc] Reverse Mortgage Line of Credit: Why It's the Most Popular Option The reverse mortgage line of credit remains the most popular choice among homeowners today—and for good reason. According to a report by AARP, 66% of borrowers chose the line of credit as the best way to access their reverse mortgage funds. Why So Many Homeowners Choose the Line...
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HomeSafe Second Reverse Mortgage: Access Equity Without Refinancing

February 6, 2025 12 comments

[arlo_toc] Unlock Your Home’s Equity Without Refinancing At All Reverse Mortgage, Inc. (ARLO™), we know that many homeowners want to access their home equity without losing their low-rate first mortgage. That’s why we offer HomeSafe Second—a reverse mortgage second lien that lets you tap into your home’s equity without monthly mortgage payments while keeping your first mortgage intact. ...
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Enhanced Platinum Jumbo Reverse Mortgage Program: A New Era in Reverse Mortgages

January 8, 2025 2 comments

The reverse mortgage market has evolved significantly, especially in the jumbo and proprietary reverse mortgage segment. Before the 2009/2010 market crash, several jumbo reverse mortgage programs were available, but they disappeared following the downturn. Over time, the market has made a cautious yet pivotal recovery, with innovative products like the Platinum Jumbo Reverse Mortgage leading the way. [arlo_toc] The Platinum...
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Here’s the Truth About Reverse Mortgages (No BS)

December 28, 2024 25 comments

A reader recently shared their skepticism about reverse mortgages, saying: "I've read a lot about reverse mortgages, and it seems they're more for the bank's benefit than yours. They make it sound like they're helping, but in reality, you're giving away your home for a low price. If you get a reverse mortgage and pass away soon after, your home...
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Reverse Mortgages and Medicaid/SSI Benefits: Key Considerations for 2025

December 27, 2024 50 comments

Reverse mortgage proceeds can provide valuable financial support, but they may also influence your eligibility for Medicaid or Supplemental Security Income (SSI). Understanding these potential effects is essential for making informed decisions. If you’re 62 or older and considering a reverse mortgage to supplement your retirement income, it’s important to evaluate how this choice could impact your access to needs-based...
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Non-Recourse Reverse Mortgage Protections Explained

December 27, 2024 31 comments

The non-recourse feature of reverse mortgages is a powerful safeguard, yet it’s often misunderstood. It’s even sparked debates—like the AARP lawsuit against HUD—over its scope. Simply put, a non-recourse reverse mortgage ensures you’ll never owe more than your home’s value when the loan matures. But how does this protect you and your heirs? Let’s break it down. [arlo_toc] How Non-Recourse...
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2025 HECM Reverse Mortgage Limits Surge to $1,209,750

November 27, 2024 2 comments

Our guide breaks down the FHA's decision in a clear and easy-to-understand format. We've included handy tables comparing the reverse mortgage loan limits of 2024 and 2025, showing you exactly how much more you can borrow. Plus, a "2025 Loan-To-Value Comparison" table illustrates how much of your home's value you can tap into with these new lending limits. This article,...
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