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REVERSE MORTGAGE ALERT


INFORMATION FOR SENIORS AND THEIR LOVED ONES

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LEARN HOW REVERSE MORTGAGES WORK & MUCH MORE

Hello, and welcome to our website! If you’ve made it here, chances are you’re
looking for more information or insight into reverse mortgages. This unique loan
is complex – in our opinion, far more complex than a conventional “forward” home
loan – and there’s a lot to wrap your head around. That’s why we started Reverse
Mortgage Alert.

Find out how a reverse mortgage loan can be part of a comfortable retirement.


ABOUT REVERSE MORTGAGE ALERT

For someone searching for information for the first time, the process can seem
overwhelming. In our experience, you’ll find either very light, sales oriented
writing or extremely complex work that requires a lot of previous knowledge.
Even worse, the material you’ll find will often have a heavy slant, either
positive or overly negative.

Our goal is to provide a reverse mortgage loan resource that’s in the sweet spot
in between the extremes – a resource that’s extensively researched yet also
written in accessible plain English, and one that doesn’t choose sides. We focus
most of our attention on the Federal Housing Administration’s Home Equity
Conversion Mortgage (HECM) program, as HECM loans dominate the marketplace.

Overall, we like the flexibility that these loans provide to seniors, and we
believe they can be used as a valuable financial tool, particularly in making
retirement more secure. According to Alicia H. Munnell, a professor at Boston
College and an expert on retirement, “Reverse mortgages, which allow homeowners
to tap into their home equity, are instruments that many Americans are going to
need in order to have any chance at a decent retirement…a future without reverse
mortgages would be a very grim one indeed.”

That said, the negative connotation surrounding these loans is not without some
merit, and we’ll explain why and what to watch out for. As the Consumer
Financial Protection Bureau put it in 2012, “Reverse mortgages are inherently
complicated products that are not easy for the average consumer to understand.
Consumers particularly struggle with the rising balance, falling equity nature
of the loan. Recent innovation and policy changes have increased the complexity
of the choices and tradeoffs consumers have to make when deciding to take out a
reverse mortgage loan.”


USING THIS WEBSITE TO UNDERSTAND HECM LOANS

We’ve put together Reverse Mortgage Alert in the hopes of serving a diverse
audience. Where you start, and how you end up using this website, will depend on
who you are and why you’re here. Here are a few suggestions:

 1. If you’re looking for an introduction to reverse mortgage loans, start here.
    This page will help seniors, those helping a senior, and others new to the
    subject. It defines the reverse mortgage product, how it works, costs
    associated with the loan, and questions to help determine suitability.
 2. If you’re want to understand the history of the industry, start here. This
    page explains how the product began, how it has changed over time, and where
    it might be headed in the future. This information will be useful to
    journalists, industry professionals, and others who want a deeper
    understanding of reverse mortgages.
 3. If you want to understand why reverse mortgages are such an important topic,
    start here. This page explains demographic shifts in the American
    population, trends in retirement security, and different ideas on what the
    next generation of seniors will need to do to make ends meet in retirement.

Click here to request a free, personalized info kit now.





CONSUMER INFORMATION

 * Scams
 * Rates


STATE INFORMATION

 * California
 * Florida
 * New York
 * Texas
 * Maryland
 * Ohio


LENDER REVIEWS

 * American Advisors Group (AAG)
 * Liberty Home Equity Solutions
 * One Reverse Mortgage
 * Finance of America Reverse
 * Wells Fargo
 * Reverse Mortgage Funding (RMF)


MORE INFORMATION

 * Contact Us
 * Disclosure
 * Privacy Policy
 * Terms of Use
 * Free Info Kit

ReverseMortgageAlert.org does not offer reverse mortgages.
ReverseMortgageAlert.org is not a lender or a mortgage broker.
ReverseMortgageAlert.org is a website that provides information about reverse
mortgages and loans and does not offer loans or reverse mortgages directly or
indirectly through any representatives or agents. We do not direct market by
phone or email towards consumers. Contact our support if you are suspicious of
any fraudulent activities or if you have any questions. ReverseMortgageAlert.org
is not provided by, nor was it approved by the Department of Housing and Urban
Development (HUD) or by the Federal Housing Administration (FHA).