A+ BBB Accredited
★★★★★ 4.9/5 from 1,200+ reviews
HUD-Approved · NMLS #13999
Talk to an Expert(800) 565-1722
Free Quote
×
ARLO
★ HUD-APPROVED · A+BBB
Get the real facts on Reverse Mortgages →
Free estimate · No obligation · No SSN required


Author Archives

Dave Ramsey Offering Bad Advice on Reverse Mortgages

    16 comments
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

How Government Shutdowns Affect Reverse Mortgages

    3 comments
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

Reverse Mortgage Age Requirements for 2026 with Chart/Examples

    28 comments
Your age (or your spouse's, if younger) sets how much you can borrow. See the charts for ages 55–90. 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...
Read Full Article

Reverse Mortgage Property Requirements – New for 2025/2026

    135 comments
Updated September 2025 with the latest HUD 4000.1 rules on ADUs, manufactured homes, and PACE liens [arlo_toc] Understanding HUD’s Property Standards When applying for a reverse mortgage, your home must meet specific property standards set by HUD. These requirements ensure the property is safe, sound, and secure, but they can vary depending on your specific situation. If your property meets...
Read Full Article

HECM Reverse Mortgage 2026: How It Works, Limits & Costs

    13 comments
[arlo_toc] All Reverse Mortgage has specialized in the HECM program for more than 20 years. As a HUD-approved direct lender, we originate HECM loans, and we believe every homeowner deserves clear, factual guidance from a knowledgeable source. We have always believed this is not a loan product to sell to people, but one to educate folks about and let them...
Read Full Article

Reverse Mortgage Definition, Key Terms & A-Z Glossary

    76 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...
Read Full Article

Reverse Mortgage Occupancy Requirements Explained

    80 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...
Read Full Article

Reverse Mortgage Income Requirements 2026 — Residual Income, Asset Dissipation & Qualifying

    54 comments
Understanding Reverse Mortgage Income Requirements Welcome to our 2026 guide on reverse mortgage income requirements. This article explains the financial assessment underwriting guidelines, specifically the minimum residual income requirements established by HUD. Before you apply, you can estimate how much you could get with our reverse mortgage calculator. These requirements play a crucial role in the lender's application process, ensuring...
Read Full Article