Reverse mortgages
A HECM line of credit: where home equity may fit in a retirement plan
A guide for financial planners to borrowing capacity, costs, cash needs and the family questions to address first.
YOUR HOME. YOUR NEXT CHAPTER.
HECM knowledge center
Real scenarios
Reverse mortgage: monthly cash, a credit line, or both?
Choose the draw plan around the monthly support and reserves you need, not just the biggest credit-line number.
Reverse Mortgages
A useful HECM conversation includes the whole housing plan
What homeowners and families should discuss about occupancy, costs, responsibilities, alternatives and counseling.
More to explore
Agent Resources
Plan the financing before the buyer falls in love with the next home.
A real estate agent's guide to HECM for Purchase: buyer contribution, property fit, offer planning, ongoing obligations, family questions, and early scenario review.
Reverse Mortgages
No required monthly mortgage payment does not mean no cost.
Understand HECM closing costs, the growing loan balance, property charges, occupancy rules, non-recourse protection, and the questions families should ask.
Reverse Mortgages
What happens during reverse mortgage counseling?
Understand who attends reverse mortgage counseling, what you discuss, how fees work and what the certificate means before deciding whether to borrow.
Reverse Mortgages
Clear loan facts for the tax and cash flow conversation.
Mortgage-side support for CPAs reviewing HECM loan proceeds, interest, property charges, liquidity, documentation, and client coordination.
Reverse Mortgages
Helping a parent starts with listening, not selling.
Help a parent evaluate a HECM without taking over the decision. Learn the questions to ask about the home, costs, spouse protections, servicing, and the estate.
Reverse Mortgages
A financial planner’s guide to HECM reverse mortgages
How home equity can support a retirement plan, what a HECM costs, and the questions to explore with your clients.
Reverse Mortgages
A HECM can be used to buy a home, not only refinance one.
See how eligible buyers age 62 or older can combine personal funds with a HECM to buy a principal residence and keep more cash available.
Reverse Mortgages
How does a reverse mortgage work?
See how a HECM uses home equity, how the balance grows, how proceeds may be received, what homeowners still pay, and when the loan is repaid.
Reverse Mortgages
Reverse mortgages in 2026: when they make sense, and when to walk away
A practical opinion guide for families and financial planners comparing HECM, HomeSafe, reverse second mortgages, costs, spouse protections and alternatives.
Reverse Mortgages
HECM updates
Short, dated, sourced notes on reverse mortgage (HECM) policy, programs, and local items as they land.
GUIDE & RESOURCE
Get a HECM planning scenario
Get an illustrative HECM planning scenario using rough numbers. Built for financial planners, CPAs, and advisors—no sensitive client data needed.