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 Home > FHA Loan Programs > FHA / HUD reverse mortgage loans

Reverse Mortgages


Reverse mortgages allow senior homeowners to borrow against your home equity and receive payments. This type of reverse mortgage loan is also know as a home equity conversion mortgage or HECM

Here are some payment options of the HUD reverse mortgage loan:

  • Reverse mortgage lump sum payment
  • Reverse mortgage monthly basis (fixed term or as long as you live in home)
  • Reverse mortgage with occassional payout basis as a line of credit

Basic qualifying guidelines of FHA / HUD reverse mortgages:

  • Must be 62 or older
  • Must have little or no money owed on current home
  • No asset or income limitations
  • No limits on the value of the homes used for qualifying for a reverse mortgage

How the FHA / HUD reverse mortgages works:

Borrowers are not required to make repayments on the reverse mortgage loan as long as the borrower lives in the home. Reverse mortgage lenders recover the amount loaned on the reverse mortgage when the home is sold. If the sales proceeds are insufficent to pay the reverse mortgage balance, HUD pays the mortgage lender the amount of the shortfall.

The size of reverse mortgage loans is determined by the borrower's age, the interest rate, and the home's value. The older a borrower, the larger the percentage of the home's value that can be borrowed.

Get a Referral to a HUD Reverse Mortgage Lender

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Additional Reverse Mortgage Information

Download Reverse Mortgage Guides

Reverse Mortgage Calculator

Websites on Reverse Mortgages:

If you know of any family, friends, or co-workers that may be interested in Reverse mortgages fha home loans Refer this page

*FHA Loan Limits vary by area.

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We are not a government agency.  FHA home loans are not originated by the HUD or FHA. HUD only insures FHA loans and HECM reverse mortgages. FHA loans are originated and funded by HUD approved FHA home loan lenders. FHA-Home-Loans.com is not a mortgage lender and does not make or offer fha loans directly or indirectly.  Information about FHASecure refinance program to help borrowers who are facing foreclosure and must refinance.FHA-Home-Loans.com is owned and operated by a private company specialized in providing information about FHA loans and does not make or offer FHA home loans and FHA mortgages. FHA-Home-Loans.com is not affiliated with or owned, operated, endorsed or sponsored by HUD, Federal Housing Administration or FHA. Contact HUD directly at: www.hud.gov
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