16 comments
Welcome to our guide on Purchase Reverse Mortgages! In this article, we explain how you can buy a new home with a special kind of reverse mortgage, making it easier to transition as you age. Whether you’re downsizing, moving to a more accessible home, or relocating closer to family, this guide is for you. We’ll cover the essentials — from the benefits of a Reverse Mortgage Purchase to how the Home Equity Conversion Mortgage (HECM) for Purchase program works — to help you decide if this option is right for... Read Full Article
22 comments
For over 20 years, All Reverse Mortgage, Inc. has helped thousands of homeowners achieve financial freedom through federally insured reverse mortgages. As a HUD-approved lender that specializes exclusively in reverse mortgages, we bring unmatched expertise to this space. That’s why this 2025 guide doesn’t just cover the basics — it gives you the complete picture: how reverse mortgages work, what they cost, your payout options, and what they mean for your heirs. What Is a Reverse Mortgage? A reverse mortgage is a special type of loan for homeowners age... Read Full Article
no comments
In 2025, only a small number of regional and specialty banks offer reverse mortgages, including University Bank, The Federal Savings Bank, and Magnolia Bank. Most large banks left the market years ago, so many borrowers choose specialized non-bank lenders for better rates and service. Do Banks Offer Reverse Mortgages in 2025? While large national banks like Wells Fargo, Bank of America, and Chase are familiar names for traditional mortgages, they no longer offer reverse mortgages. Most exited the market over a decade ago, citing regulatory changes, market risk,... Read Full Article
no comments
As interest rates remain high, many homeowners nearing or in retirement are seeking ways to access their home equity without refinancing their historic low-rate mortgages. That’s where a Home Equity Line of Credit (HELOC) for seniors & retirees can be a smart solution. This modern HELOC offers fast access to funds, flexible repayment, and a fully online application process designed specifically for older homeowners—without the need to sell or give up your home. What is the ARLO™ HELOC for Seniors? The ARLO™ HELOC is a line of credit secured by... Read Full Article
no comments
When planning for retirement, one of the most important steps is knowing how much you can borrow with a reverse mortgage. But let’s face it—most online calculators ask for your phone number or email before showing your results. That’s why we’ve ranked the top 3 free reverse mortgage calculators that give instant quotes with no personal info required. These tools are easy to use, private, and accurate. Understanding Reverse Mortgage Calculators When exploring reverse mortgage options, it’s essential to rely on trustworthy sources, especially when making significant financial... Read Full Article
12 comments
What Is a HECM (Home Equity Conversion Mortgage)? A Home Equity Conversion Mortgage (HECM) is the FHA-insured reverse mortgage program for homeowners age 62 and older. It lets you convert part of your home equity into tax-free cash without giving up ownership or making required monthly mortgage payments. You must still cover property taxes, insurance, and upkeep, and the loan is repaid when the home is sold, the last borrower moves out, or passes away. In this updated 2025 guide, you’ll learn: How a HECM works and who qualifies Current... Read Full Article
16 comments
As we enter 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 component for homeowners with high-value or non-conforming/non-FHA insurable properties. In this article, we will dissect the critical 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 alongside a balanced discussion of these loans' potential risks and rewards. Whether you are a... Read Full Article
2 comments
Why Realtors Should Understand Reverse Mortgages for Home Purchase The HECM for Purchase program (Home Equity Conversion Mortgage) is an FHA-insured loan that allows homebuyers aged 62 and older to purchase a new primary residence with no monthly mortgage payments. This benefits your senior buyers, helps your sellers move their listings, and ultimately helps you close more transactions. Yet many real estate professionals are unaware of this powerful tool—or they’ve heard myths that just aren’t true. When used correctly, a reverse mortgage for purchase can close just as quickly... Read Full Article
no comments
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 equity but have questions about the long-term security of the federally insured Home Equity Conversion Mortgage (HECM) program. Let’s put your mind at ease: HECM reverse mortgages are fully insured... Read Full Article
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 reverse mortgage makes sense and situations where it may not be the best choice. 4 Smart Reasons to Get a Reverse Mortgage 1. You Need to Improve Cash Flow in... Read Full Article
