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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. What Is...
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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 52 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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Reverse Mortgage vs. HELOC and Home Equity Loans: Easier Qualifications and More Flexibility

November 18, 2024 21 comments

As retirees seek ways to supplement their income or cover expenses, accessing the equity in their home can be a practical solution. Two popular options for doing so are the Home Equity Line of Credit (HELOC) and the Home Equity Conversion Mortgage (HECM), also known as a reverse mortgage. While both allow homeowners to unlock the value of their property,...
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Are Reverse Mortgages a Scam? Here’s the Facts You Need to Know

September 8, 2024 32 comments

The reverse mortgage is a scam! I am a banker, and I see elderly customers getting deceived daily by these 'reverse mortgages.' They end up losing everything and put their heirs in jeopardy. -Tim As a mortgage banker with over 45 years of experience, I've worked with many major banks, mortgage companies, and insurance firms, handling a wide range of...
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Here’s an Ideal Reverse Mortgage Purchase Example

July 12, 2024 5 comments

[arlo_toc] Understanding the Reverse Mortgage for Purchase Program Many seniors prioritize finding a home that suits their lifestyle as they retire. Whether they’re looking to downsize, rightsize, avoid stairs, or find a low-maintenance property, the Reverse Mortgage Purchase program—also known as HECM for Purchase or "H4P"—is a valuable option that’s often overlooked. If you’re 62 or older, this HUD-insured program...
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