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Reverse Mortgage Line of Credit & Growth Rate Explained

February 17, 2025 118 comments

Reverse Mortgage Line of Credit Today, the reverse mortgage line of credit continues to be the most popular option for homeowners to access their funds. According to an article by AARP, borrowers recognized this choice about 66% of the time when obtaining a reverse mortgage as being the right choice for them. The credit line option allows borrowers a great deal of freedom when planning their finances. Homeowners like the fact that they can take as much as they want when the loan originally closes up to the maximum allowed... Read Full Article

HomeSafe Second Reverse Mortgage: Access Equity Without Refinancing

February 6, 2025 10 comments

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 HomeSafe Second? HomeSafe Second is a proprietary reverse mortgage designed specifically for homeowners who: ✅ Have a low-interest first mortgage they want to keep ✅ Need extra... Read Full Article

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. The Platinum Jumbo Reverse Mortgage Program The Platinum Jumbo Reverse Mortgage is a proprietary loan designed for borrowers with high-value properties. It offers much higher loan limits than the HUD Home Equity... Read Full Article

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 could be lost, and your family won't be able to keep it, even with a will." We agree with one point: reverse mortgages aren't for everyone. But it's important to... Read Full Article

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 programs. Careful planning can help you make the most of this financial tool while preserving your benefits. Understanding Means-Tested Benefits Means-tested benefits are based... Read Full Article

Non-Recourse Reverse Mortgage Protections Explained

December 27, 2024 29 comments

Understanding Non-Recourse Reverse Mortgages The Non-Recourse feature of reverse mortgages is often misunderstood by the general public. It has even been the subject of a notable lawsuit between AARP and HUD over its interpretation and implementation. A Non-Recourse reverse mortgage means that borrowers can never owe more than their home’s value at the time the loan matures. But what does this mean for consumers, and how does it protect them? Let’s explore an example of how this essential feature works. An Example of Non-Recourse Protection Imagine a 66-year-old homeowner... Read Full Article

How Reverse Mortgages Work: Explained in Simple Terms!

December 24, 2024 20 comments

Introduction to Reverse Mortgages Welcome to our guide on reverse mortgages! In this article, we will explain reverse mortgages in simple terms. Whether you are a homeowner thinking about your financial future, a family member helping someone understand their choices, or just curious about how reverse mortgages work, this guide is for you. We cover the basics – from who can get a reverse mortgage to how repayment works – to help you decide if a reverse mortgage is right for you. What is a Reverse Mortgage? A reverse... Read Full Article

Banks That Offer Reverse Mortgages in 2025

December 22, 2024 no comments

When considering a reverse mortgage, finding the right lender is crucial for making an informed decision. While large national banks like Wells Fargo, Chase, and Bank of America are household names for traditional mortgages, they typically do not offer reverse mortgages. Instead, they often refer inquiries to outside specialists. Smaller regional banks or specialized lenders are more likely to provide reverse mortgage services. To ensure you get the best terms and support, comparing lenders and choosing one that focuses on reverse mortgages and understands your unique needs is essential. ... Read Full Article

2025 HECM Reverse Mortgage Limits Surge to $1,209,750

November 27, 2024 2 comments

Exciting News: HUD Increases Reverse Mortgage Lending Limits for 2025! It’s that time of year again when HUD reviews last year’s lending activity and sets new limits for the upcoming year. We’re thrilled to announce another record-high lending limit for reverse mortgages in 2025. Starting January 1, 2025, HUD will increase the lending limit for the Home Equity Conversion Mortgage (HECM) program to $1,209,750—an increase of nearly $60,000 from last year’s limit. Borrowers with case numbers assigned on or after January 1 can benefit from the new limit. Why is this great... Read Full Article

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

November 18, 2024 19 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, they differ in terms of eligibility, repayment terms, and long-term impact on finances. In this article, we’ll explore the key differences between a HELOC and a reverse mortgage, helping you... Read Full Article

All Reverse Mortgage, Inc. (ARLO®)

ARLO™

In your current area 100 homeowners are currently utilizing reverse mortgages to better enhance their retirement years, with 500,000 nationwide!

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The minimum qualifying age for a reverse mortgage is 55

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