2026 Jumbo Reverse Mortgage Guide: Top Lenders, Rates & Loan Limits

December 9, 2025     16 comments

As we move into 2026, many homeowners with higher-value properties are finding that the FHA-insured Home Equity Conversion Mortgage (HECM) program no longer unlocks the equity they expect.  That’s where jumbo reverse mortgages come in.  These privately funded programs offer higher lending limits, more flexibility, and solutions for property types that do not meet FHA standards. This guide explains how jumbo reverse mortgages work, how they compare to HECMs, and why 2026 may be a particularly important year to evaluate your options. What is a Jumbo Reverse Mortgage? A... Read Full Article

December 6, 2025     no comments

Many homeowners begin exploring a reverse mortgage with the same question: How much can I get from a reverse mortgage? The challenge is that most online calculators won’t give you an answer unless you provide your phone number or email address.  That creates hesitation for many people who want to learn without being contacted. This guide reviews three calculators that let you see your estimated loan amount without providing any personal information.  These tools are straightforward, private, and useful for anyone who wants to understand their options before talking with a lender.... Read Full Article

How Reverse Mortgages Work – Explained in Simple Terms!

December 5, 2025     24 comments

For more than 20 years, I’ve helped older homeowners understand and use reverse mortgages safely.  At All Reverse Mortgage, Inc., we focus on one loan and one purpose — helping you use the equity you’ve built to support your retirement with clear numbers and no pressure. This guide walks you through the essentials in plain English: what a reverse mortgage is, how it works, what it costs, the different ways you can receive the funds, and what it means for your heirs.  My goal is simple — to give you... Read Full Article

2026 HECM Reverse Mortgage Limits Rise to $1,249,125

December 4, 2025     2 comments

Our goal with this guide is simple.  We want to explain HUD’s new lending limit in a clear and useful way, especially if you are trying to understand how the change affects the amount you can receive.  You will find updated charts comparing the 2025 and 2026 limits, along with an illustration that shows how loan-to-value factors interact with the new national limit. For many homeowners, this page serves as a reliable reference when deciding whether a reverse mortgage is the right move in the year ahead. Exciting... Read Full Article

Platinum Jumbo Reverse Mortgage: A Clear, Expert Guide for 2026

November 29, 2025     2 comments

For years, families with higher-value homes had limited reverse mortgage options.  The standard FHA Home Equity Conversion Mortgage (HECM) capped lending at , which meant many homeowners couldn’t access the equity they had worked a lifetime to build. The Platinum Jumbo Reverse Mortgage changes that. It’s a modern, flexible reverse mortgage program created for older homeowners with high-value properties, non-FHA-approved condos, and borrowers age 55+ who don’t qualify for a HECM. Below, I’ll walk you through how it works, what’s new for 2026, who qualifies, and exactly how much... Read Full Article

Liberty Reverse Mortgage (PHH) Shuts Down: Sells 40,000 Borrower Portfolio

November 27, 2025     2 comments

Senior homeowners are losing another major source for reverse mortgages.  Onity Group, the parent company of PHH and Liberty Reverse Mortgage, recently announced that it will stop originating reverse mortgages and will sell its reverse mortgage servicing portfolio. Liberty has long been one of the largest lenders in the space, with 12 active branches and 138 sponsored loan officers based on NMLS, so this marks a significant shift in the industry. Unfortunately, this isn’t new.  Large financial companies often change direction, especially when regulations or internal priorities shift.  Over the... Read Full Article

How Paying off a Reverse Mortgage at 95% Works

November 23, 2025     27 comments

Hello All Reverse, I’ve read through your website and the Q&A section, and I’m confused by a few points. I’m hoping you can explain what really happens with my mother’s home and whether her grandchildren are allowed to buy it. Your site says a reverse mortgage is non-recourse, so the estate doesn’t have to pay the difference if the home sells to a third party for less than the loan balance. But the same section says family members can buy the home for 95% of the appraised value. I also... Read Full Article

Reverse Mortgage Refinance: 2026 Rules, Eligibility, Limits & Rates

November 14, 2025     62 comments

If you are considering a reverse mortgage refinance, you are not alone.  Over time, your home value, your needs, and HUD’s rules can all change.  A refinance can help you access more equity, protect a younger spouse, lower interest costs, or move into a loan that fits your situation today. In this guide, I explain when refinancing makes sense, the 2026 HUD rules and limits that apply, and what you can expect from start to finish. Homeowners usually consider refinancing when one or more of the following apply: Your... Read Full Article

2025 Guide to Reverse Mortgage Purchase (HECM Purchase)

October 22, 2025     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

October 19, 2025     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