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6 Questions to Ask Your Reverse Mortgage Loan Officer

    6 comments
You've decided to pursue a reverse mortgage, and now you're meeting with a loan officer for the first time.  Although you may understand the basics of a reverse mortgage, it's a good idea to bring certain questions to your first meeting to clarify any details that could potentially catch you off guard in the future. Here are 6 questions to address in your first meeting with your reverse mortgage loan officer: 1.  How do I get counseling? Scheduling your counseling session is an important step in the process... Read Full Article

How Occupancy Fraud Threatens the Reverse Mortgage Program

    28 comments
Because of health issues, I've moved my Mom in with me, and at some point, I will most likely have to move her to a nursing home. Her granddaughter lived there until a couple of weeks ago. She has wrecked the house. The monthly statement has the house at way more than I could ever sell the place for to pay it back. What are my options? ~Jan Reverse mortgages are designed as non-recourse loans, offering a significant safety net for borrowers and their estates. In situations where the property's... Read Full Article

Reverse Mortgage Credit Requirements in 2025: What Borrowers Need to Know

    64 comments
Updated: 9/17/2025 Qualifying for a reverse mortgage involves more than just your home’s equity—it also includes a review of your credit history. In 2025, lenders will focus on factors like payment history and satisfactory credit to determine eligibility. In this guide, we’ll walk you through the credit qualifications for a reverse mortgage, highlighting the criteria underwriters evaluate during the loan approval process. Whether you’re planning to apply or want to understand the requirements, this article will provide the insights you need to navigate the process confidently. ... Read Full Article

How Reverse Mortgage Appraisal Laws & Appeals Work

    8 comments
One thing you should know if you are contemplating a reverse mortgage is that your home will have to undergo an appraisal by an FHA-approved appraiser. This appraisal will be very extensive, involving an inspection of your entire property, a head and shoulders inspection of the attic (where the appraiser will pop their head up and look around), measurement of the home, and a review of numerous items. The physical inspection is only a portion of the actual appraisal. The appraiser will usually have done a lot of research on... Read Full Article

Reverse Mortgage After Death: What Heirs & Family Must Know.

    284 comments
It seems that one of the most popular questions we get is: What happens with my reverse mortgage and my home after death? When considering a reverse mortgage, an important question many borrowers and their heirs face is what happens to the reverse mortgage and the family home after the borrower's death.  This concern is particularly significant given that reverse mortgages are often viewed as the last loan a homeowner may need, designed to allow them to tap into their home equity while relieving them of monthly mortgage payments for... Read Full Article

How Bankruptcy Can Affect Your Reverse Mortgage Eligibility

    54 comments
We recently had several borrowers who had previously obtained a reverse mortgage call and asked us what the effect would be on those reverse mortgages if they had to begin a bankruptcy proceeding. While we are not attorneys and would always advise you to seek competent legal advice from an attorney in your state, we did want to contact an expert in the field of loan servicing for reverse mortgages and get some additional information that we could pass on. We contacted Ryan LaRose, Chief Operating Officer of CELINK, the nation's... Read Full Article

Reverse Mortgage Life Expectancy Set Aside (LESA) Explained

    55 comments
A key development in the overhaul of HECM guidelines was the introduction of the LESA.  This requirement is a response to past challenges where borrowers, after receiving a lump-sum equity payment, struggled to meet essential obligations such as homeowners insurance, property taxes, and home maintenance to FHA standards, leading to defaults. The LESA is designed to ensure that property charges are managed effectively, safeguarding borrowers from the risk of default. The Security of a LESA with a Reverse Mortgage The Life Expectancy Set Aside (LESA) is revolutionizing how... Read Full Article

Is a Reverse Mortgage Right for You? 3 Key Considerations

    8 comments
Like many of our readers who are navigating retirement, you might wonder if a reverse mortgage is right for you.  You've likely seen your equity grow substantially, possibly even owning your home outright - a common scenario for many baby boomers. Your home, often your largest asset, may lead you to consider the option of a reverse mortgage.  At All Reverse Mortgage, we understand the importance of this decision.  This article integrates our insights with 3 important questions, helping you evaluate whether a reverse mortgage fits your financial future. We'll... Read Full Article

5 Ways To Lose Your Home With a Reverse Mortgage

    35 comments
With a Federal Housing Administration-insured Home Equity Conversion Mortgage (HECM), the borrower retains ownership of the property while continuing to live there throughout the loan.  They are not required to make monthly mortgage payments during that time. Reverse mortgages are often misunderstood, and a common misperception is the idea that in a reverse mortgage, "the bank takes the home." On the contrary, if the borrower meets the loan terms, that borrower maintains ownership of the home throughout the entire course of the loan. The loan balance grows over time, and... Read Full Article

Reverse Mortgage Amortization Schedule Explained

    6 comments
Before you decide if a reverse mortgage fits your needs, it's smart to look at how the loan could grow and how your home equity might change over time.  One of the best tools for this is the reverse mortgage amortization schedule. This schedule shows a year-by-year estimate of your loan balance.  This interest will be added, any available credit line if you choose an adjustable-rate option, and your projected home value based on an assumed appreciation rate.  Reviewing it early helps you see how different choices, such as taking... Read Full Article
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