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2025 Jumbo Reverse Mortgage Guide: Top Lenders, Rates & Loan Limits

    16 comments
In 2025, the landscape of reverse mortgages continues to evolve, with jumbo reverse mortgages (also known as proprietary or private reverse mortgages) emerging as a significant option for homeowners with high-value or non-conforming/non-FHA insured properties. In this article, we will dissect the significant differences between jumbo and FHA-insured reverse mortgages, clarifying why and when a jumbo reverse mortgage could be the right choice for you.  We will also dive into the key benefits, along with a balanced discussion of potential risks and rewards. Whether you are a homeowner, a financial... Read Full Article

Reverse Mortgage Refinance Guide: 2025 Limits, Rates & FAQ

    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. When to Refinance Your Reverse Mortgage Your home value has increased considerably. You obtained your loan when the lending limit was below today’s 2025 HECM limit of . You want to add a younger spouse who was previously ineligible, ensuring long-term protections and possible access to... Read Full Article

2025 Guide to Reverse Mortgage Purchase (HECM Purchase)

    16 comments
Updated: 10/22/2025 Welcome to our 2025 Guide to Reverse Mortgage Purchase (HECM for Purchase).  This year’s update reflects the latest HUD rule changes, including new allowances for 6% seller contributions, expanded gift funding options, and updated property requirements. If you’re planning to move, downsize, or relocate closer to family, a reverse mortgage can help you buy your next home without taking on monthly mortgage payments. In this guide, we’ll walk through how the purchase program works, the recent 2025 policy updates, and what these changes mean for you in real-world... Read Full Article

Reverse Mortgage Qualifications & Requirements (2025 Guide) – See If You Qualify

    18 comments
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 2025, including new HUD policy changes and how lenders evaluate applicants. Quick Eligibility Checklist (2025) To qualify for an FHA-insured HECM reverse mortgage in 2025, you must: Be 62... Read Full Article

Best Reverse Mortgage Lenders of 2025 – Rates, Reviews & How to Choose

    2 comments
Looking for the best reverse mortgage lender in 2025?  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 2025 Choosing a reverse mortgage lender is a major financial decision, one that can impact your retirement security for years to come.  That’s why this list isn’t based on sponsored links or paid placements.  Our rankings are... Read Full Article

Return of Non-FHA Reverse Mortgages are Here!

    32 comments
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 (FHA) Home Equity Conversion Mortgages (HECM) and private loan options. Quick Takeaway: If your home is worth more than the FHA limit of $1,209,750 or you’re younger than 62, a Non-FHA reverse mortgage... Read Full Article

Dave Ramsey Offering Bad Advice on Reverse Mortgages

    14 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. Is Dave right about Reverse Mortgages? Firstly, let’s give Dave his due when he tells the truth.  He is right when he says a reverse mortgage operates in reverse of a standard or forward loan. Instead of a... Read Full Article

How Government Shutdowns Affect Reverse Mortgages

    2 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 scheduled payments from HUD-held loans will continue. Payoff Requests — You or your heirs can still request payoff statements or subordinations for Secretary-held HECM liens, though processing may take longer.... Read Full Article

Reverse Mortgage Age Requirements: How Old to Qualify in 2025

    22 comments
If you’re exploring a reverse mortgage, the first question is simple: how old do you need to be? Quick Answer:  For a federally insured Home Equity Conversion Mortgage (HECM), the most common reverse mortgage, you must be at least 62 years old when the loan closes.  That rule remains unchanged for 2025. Some private or "jumbo" reverse mortgages allow borrowers as young as 55, but these are not FHA-insured.  Knowing where you fit helps you choose the right program and see how much equity you might unlock. Minimum Age... Read Full Article

Reverse Mortgage Property Requirements – New for 2025

    130 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 the latest HUD 4000.1 rules on ADUs, manufactured homes, and PACE liens Understanding HUD’s Property Standards When applying for a reverse mortgage, your home must meet specific property standards... Read Full Article
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