Homeownership Topics

Cash out refinancing on a paid off house lets you turn home equity into cash. Learn how it works, its pros and cons, and how to qualify.

HEIs offer no monthly payments but they come with fees and tax consequences. See how costs work and what to expect.

HEI requirements for low credit and income—learn how approval works, what lenders look at, and how HEIs compare to HELOCs and home equity loans.

Compare reverse mortgages and home equity investments, including how they work, costs, and which option may better fit your financial goals.

Think you know how reverse mortgages work? We break down the 10 biggest reverse mortgage myths and explain the truth behind HECMs.

Learn how HECM occupancy rules work, including the 12-month absence rule and how extended time away from home can affect your reverse mortgage.

Thinking about retiring abroad? Learn how reverse mortgage occupancy rules work, when overseas living is allowed, and smarter equity options to consider.

Not sure whether a reverse mortgage or life settlement makes more sense? Compare how each works, who qualifies and how they impact long-term finances.

Understanding HECM fees can help you decide if a reverse mortgage fits your retirement plan. Learn the upfront and ongoing costs.

HECM refinance may unlock more equity or better access to funds—if the long-term benefits outweigh the costs.

Compare HECM and jumbo reverse mortgages to see which option fits your home value, borrowing needs, and comfort with lender-specific terms.

HECM loan limits rise again for 2026. Find out how the new maximum value affects your reverse mortgage calculation and equity access.

HUD is considering major reverse mortgage reforms. Get a clear breakdown of proposed updates and what they mean for seniors.

Not sure which reverse mortgage payout method is right for you? Explore how each option works and how to match it to your cash-flow needs.

Thinking about a reverse mortgage to downsize? Learn how an HECM for Purchase lets seniors buy a new home, boost affordability, and protect savings.

A reverse mortgage for home improvements lets seniors access home equity for safety upgrades, mobility renovations and major repairs, without monthly payments.

Learn how fixed and adjustable-rate HECMs differ in costs, payouts and flexibility so you can pick the reverse mortgage that fits your retirement goals.

Reverse mortgage counseling explains HECM costs, risks, and benefits. Learn what to expect in your session and why HUD requires it.

Confused about reverse mortgages? Learn why some advisors avoid the topic and how to get the full picture before making a decision about your home and retirement.

Learn the property requirements for HECM reverse mortgages. See which homes qualify, what inspections you’ll need, and how to avoid delays.