Reverse Mortgage 101

Traditional retirement options—like Social Security, pensions, and savings—aren’t as dependable as they used to be.

Pensions are disappearing, Social Security has funding problems, and people are living longer, which means they need more financial security.

Many seniors are struggling to pay their bills. In fact, the National Council on Aging says 80% of older households are at financial risk. 

But there’s good news. Most retirees own their homes, and home equity can be a valuable financial resource.

A reverse mortgage lets homeowners access their home’s value without selling it or making monthly payments.

This guide will explain how reverse mortgages work, their pros and cons, and whether they’re right for your retirement.

Get the complete Reverse Mortgage Retirement Playbook—sold in bookstores for $24.95—totally free when you download it here!

Retirement planning isn’t the same for everyone. By the end of this condensed guide, you’ll have the knowledge to make the best choice for your future.

First, let’s start with the basics!

Chapter 1: Using Your Home to Strengthen Retirement

If you’re like most retirees, home equity is your biggest financial asset.

Recognizing this, the federal government introduced the Home Equity Conversion Mortgage (HECM) in 1989. This program allows homeowners 62 and older to access their home’s value without selling or taking on monthly payments.

What is Home Equity?

Home equity is the difference between your home’s market value and what you owe on it. For example:

• Home value: $300,000
• Mortgage balance: $100,000
• Home equity: $200,000

Your equity grows as you pay down your mortgage or as your home appreciates in value.

How a HECM Works

A HECM allows homeowners to convert home equity into cash while staying in their home. Here’s a simple breakdown:

• Home: Must be your primary residence.
• Equity: The value built over time, acting as a financial resource.
• Conversion: Turns stored home value into usable funds.
• Mortgage: A loan secured by your home, repaid when you sell, move, or pass away.

What Determines My Rate?

Credit score

Debt-to-income (DTI) ratio

Loan amount and duration

Loan type (purchase, IRRRL, cash-out, jumbo, etc.)

Global economic and market conditions

These higher limits provide more financial flexibility, particularly for those in high-cost housing markets.

Is a Reverse Mortgage Right for You?

A HECM isn’t for everyone. Before considering one, it’s important to evaluate your financial situation. A reverse mortgage works best for retirees who:

However, if you plan to move soon, want to leave your home debt-free to heirs, or need a large sum beyond what a reverse mortgage provides, other financial strategies may be better suited to your needs.

What’s Next?

Reverse mortgages are just one piece of a larger retirement plan. Before making a decision, it’s crucial to assess your full financial picture—your income, savings, and potential future expenses.

In Chapter 2, we’ll walk through how to evaluate your financial preparedness and determine whether leveraging home equity makes sense for your retirement strategy.

Discover why the traditional “3-Legged Retirement Stool” is broken—and how to build a sturdier foundation for your golden years! — Page 17

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 2: Are You Financially Prepared for Retirement?

A secure retirement doesn’t happen by chance. With traditional income sources like Social Security and pensions becoming less reliable, many retirees are looking for ways to fill financial gaps.

The key to making informed decisions is understanding where you stand today and how to plan for the future.

Assessing Your Retirement Income

Most retirees rely on a mix of:

• Social Security – Provides a foundation but may not cover all expenses.
• Pensions – Review payout options and whether they adjust for inflation.
• Personal Savings & Investments – Includes 401(k)s, IRAs, annuities, rental income, and other assets.

The Role of Your Home in Retirement Planning

Your home is more than just a place to live—it’s a major financial asset. Even if it’s fully paid off, property taxes, insurance, and maintenance costs don’t go away.

Do You Have Enough Savings?

Beyond investment accounts, having an accessible emergency fund is crucial. Experts recommend 3–6 months’ worth of living expenses in liquid savings to handle unexpected costs.

Can Home Equity Help Bridge the Gap?

Even with careful planning, many retirees find they need additional income. A reverse mortgage offers an option to:

• Eliminate an existing mortgage.
• Create a financial safety net.
• Supplement Social Security or savings.

A successful retirement starts with knowing your numbers. In Chapter 3, we’ll explore exactly how reverse mortgages work—and whether they might be the right fit for your financial situation.

Reveal the retirement “income gap” nobody talks about (If you don’t plug this hole, your savings could vanish faster than you think.) — Page 33

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 3: Understanding Home Equity Conversion Mortgages (HECMs)

A Home Equity Conversion Mortgage (HECM) is a federally insured loan designed for homeowners 62 and older. It allows you to access home equity without selling your home or taking on monthly mortgage payments.

Unlike a traditional mortgage, where you make payments to build equity, a HECM lets you borrow against your equity while deferring repayment until you sell, move, or pass away.

How HECMs Work

The amount you can borrow—called the principal limit—depends on:

• Your age (or the age of the youngest borrower).
• Current interest rates.
• Your home’s appraised value.
• FHA lending limits.

HECMs offer flexibility in how you receive funds:

• Lump Sum – A one-time withdrawal, usually with a fixed interest rate.
• Monthly Payments – Can be for a set term or for as long as you live in the home.
• Line of Credit – Allows you to withdraw funds as needed, with the credit line growing over time.
• Combination Plan – A mix of lump sum, monthly payments, and credit line.

The Power of a Growing Line of Credit

One unique feature of a HECM is that an unused line of credit grows over time. This means that if you don’t use the funds immediately, the amount available increases at the same rate as the loan’s interest rate plus mortgage insurance. This can be a valuable tool for long-term financial planning.

Non-Recourse Protection: Never Owe More Than Your Home’s Value

HECMs are non-recourse loans, meaning:

• Neither you nor your heirs will owe more than the home’s value when the loan is due.
• If the loan balance exceeds the home’s worth, FHA insurance covers the difference.
• Heirs can sell the home, pay off the loan, or refinance it if they want to keep it.

Types of HECMs

There are three primary types of HECMs, each designed for different financial situations:

• Traditional HECM – The most common option, allowing homeowners to access home equity while aging in place.
• HECM for Purchase – Helps retirees buy a new home and finance it with a reverse mortgage in a single transaction.
• HECM Refinance – Allows homeowners with an existing reverse mortgage to refinance, potentially accessing more funds or securing better loan terms.

Understanding the Costs of a HECM

Like any financial product, HECMs come with costs that borrowers should understand:

• FHA Lending Limit (2025) – $1,209,750 (borrowers can access a portion of this amount).
• Origination Fee – Based on home value, capped at $6,000.
• Mortgage Insurance Premium (MIP) – 2% upfront, plus 5% annually.
• Closing Costs – Covers appraisal, title insurance, and other fees.

Is a HECM Right for You?

While a HECM can be a powerful tool, it’s not the only way to leverage home equity. In the next chapter, we’ll explore other financial options that may be better suited to your needs

See how Mike turned a lifetime of “NOs” into a life-changing YES—without fixing his credit, taking on a new loan, or selling his home…and how you can too! — Page 51

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 4: Reverse Mortgage Alternatives

A reverse mortgage isn’t the only way to access your home equity. Selling your home, taking out a HELOC, refinancing, or modifying your loan may be viable alternatives. Here’s how they compare.

Selling Your Home

Selling is the most direct way to access your home equity, but it comes with challenges.

Pros:

• Maximizes your equity. You receive the full market value of your home.
• Eliminates mortgage payments. No more monthly housing costs (except property taxes and insurance).

Cons:

• High transaction costs. Realtor fees, closing costs, and repairs can significantly cut into your proceeds.
• Moving hassle. Relocating is stressful and expensive.
• Need a new place to live. Buying or renting comes with its own costs.
• Potential tax implications. Selling may trigger capital gains taxes.

Bottom Line: Selling works if you’re ready to move, but it’s costly and disruptive.

Home Equity Line of Credit (HELOC)

A HELOC works like a credit card secured by your home, allowing you to borrow as needed.

How It Works:

• Draw Period (5–10 years): You can borrow up to your credit limit, making interest-only payments.
• Repayment Period (10–20 years): Monthly payments increase as you start repaying principal and interest.

Key Differences from a HECM:

Bottom Line: HELOCs offer flexibility but come with repayment risks and monthly obligations.

Traditional Refinance

Refinancing replaces your current mortgage with a new loan, potentially lowering payments or providing cash out.

Challenges:

• Strict qualification requirements. Retirees with lower incomes may struggle to qualify due to debt-to-income (DTI) ratio limits.
• Higher monthly payments. If you take cash out, your payment may increase.
• State restrictions. Some states limit cash-out refinancing.

Bottom Line: A refinance can work if you qualify and can afford the payments, but it doesn’t eliminate mortgage debt like a HECM.

Loan Modification

A loan modification restructures your mortgage to lower payments, often by deferring part of the balance.

How It Works:

• The lender moves a portion of your mortgage balance to a deferred account.
• Payments are recalculated based on a lower principal, reducing monthly costs.
• The deferred balance grows over time with interest.

HECM vs. Loan Modification:

• HECM: Eliminates mortgage payments and may provide additional cash.
• Loan Modification: Reduces payments but doesn’t erase debt, and the deferred balance can balloon.

Bottom Line: Loan modifications can help in financial hardship, but they don’t remove debt or provide new income.

Which Option is Best for You?

Each option has trade-offs. Selling provides the most cash but requires moving. HELOCs and refinancing require monthly payments. Loan modifications may lower costs but don’t eliminate debt.

A reverse mortgage, on the other hand, can eliminate mortgage payments while allowing you to stay in your home. In the next chapter, we’ll explore how a HECM works and whether it’s right for you.

Do you know the little-known reason retirees get denied for traditional loans…and why reverse mortgages bypass this issue entirely? — Pages 61-62

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 5: Is a Reverse Mortgage Right for You?

A reverse mortgage can be a powerful tool for financial stability in retirement—but it’s not for everyone. Before making a decision, it’s important to assess your situation, financial goals, and whether this type of loan aligns with your needs.

Who Benefits Most from a Reverse Mortgage?

Reverse mortgages work best for homeowners who:

• Plan to stay in their home long-term. If you love your home and want to age in place, a reverse mortgage can help cover costs without forcing a move.
• Have significant home equity. If much of your wealth is tied up in your home, a reverse mortgage allows you to tap into it without selling.
• Want to supplement retirement income. Whether you need funds for living expenses, healthcare, or a financial safety net, a reverse mortgage offers flexible payout options.
• Want to eliminate existing mortgage payments. A reverse mortgage can pay off your current loan, freeing up cash for other expenses.
• Need liquidity without taking on debt. Unlike a home equity loan, a HECM doesn’t require monthly payments, making it a low-stress option for accessing home equity.

When to Consider Other Options

A reverse mortgage isn’t the best choice if:

• You plan to move soon. Selling your home may be a better financial move if relocation is on the horizon.
• You want to leave your home debt-free to heirs. While heirs can still inherit the home, they’ll need to pay off the loan balance.
• Your financial shortfall is too large. If your expenses far exceed what a reverse mortgage can cover, selling your home or downsizing may be a more sustainable option.
• You don’t want to tap into home equity. If your preference is to keep your home equity untouched, other financial tools may be better suited to your needs.

Next Steps: How to Decide

If you’re considering a reverse mortgage:

1. Review your finances. Compare your income, expenses, and long-term financial goals.
2. Determine if a reverse mortgage fills the gap. Make sure it provides a sustainable solution for your retirement needs.
3. Consult a trusted financial advisor. A professional can help evaluate if a HECM is the best fit for your situation.
4. Speak with a HUD-approved counselor. Reverse mortgage counseling is required and can help clarify your options.

If a reverse mortgage aligns with your retirement goals, the next step is understanding the application process, including required counseling and loan approval.

Discover how one couple erased a $1,200 mortgage payment overnight—and still kept access to their home equity! — Page 70

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 6: How to Apply for a Reverse Mortgage

Once you’ve decided a reverse mortgage is the right option, the next steps include HUD-approved counseling and submitting your loan application. These steps ensure you fully understand the loan and help protect your interests as a borrower.

HUD-Approved Counseling: What to Expect

Before applying, federal law requires that you complete a counseling session with a HUD-approved counselor. This is not just a formality—it’s an opportunity to get an independent assessment of whether a reverse mortgage fits your financial goals.

During the session, you’ll discuss:

• Your financial situation and retirement strategy
• Reverse mortgage benefits and risks
• Alternative options
• Costs, responsibilities, and impact on your heirs

The session typically lasts an hour, and upon completion, you’ll receive a counseling certificate, which is required to proceed with your application.

Preparing Your Loan Application

With your certificate in hand, you can begin the formal application process. Your loan officer will guide you in gathering the required documents, which generally include:

Personal Documents

• Government-issued photo ID
• Social Security card
• Marriage certificate or divorce decree (if applicable)
• Counseling certificate

Property Documents

• Homeowner’s insurance policy
• Mortgage statements (if applicable)

Financial Documents

• Recent bank statement
• Social Security or pension verification

Your loan officer will provide a checklist and assist with any missing documents.

The Application Process: What Happens Next?

After submitting your application, here’s what to expect…

1. Loan Application & Review

Your lender will assess your credit history, property taxes, and ability to maintain your home.

2. Home Appraisal

A licensed appraiser will determine your home’s current market value, which affects how much you can borrow.

3. Loan Underwriting & Closing

Your lender will complete a final review before scheduling the loan closing.

Throughout the process, your loan officer will keep you updated and assist with any additional requirements.

How Long Does the Process Take?

The entire reverse mortgage process typically takes 30-45 days. Here’s a general timeline:

• Counseling Session: Can be scheduled within a few days, and certificates are usually issued within 24 hours.
• Document Collection: The most variable step—starting early helps prevent delays.
• Lender Processing & Underwriting: Timelines depend on application volume and lender capacity.
• Appraisal (7-10 days): Rural or unique properties may take longer.
• Title Search (5-7 days): If title issues arise, resolution may extend this timeframe.

What’s Next?

Once your loan is approved, you’ll move into the appraisal and closing phase, where final verifications take place before your funds are disbursed.

In the next section, we’ll cover what to expect during closing and how to prepare for loan disbursement.

See how one 60-minute phone call could save you thousands in retirement funds (most retirees roll their eyes at this “mandatory” call…but here’s why smart borrowers make out like bandits.) — Page 74

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 7: Appraisal & Closing

Once you’ve applied for a reverse mortgage, the final steps include appraisal and closing. These determine your loan amount and finalize the process, ensuring everything is in order before you receive your funds.

The Home Appraisal Process

Your home’s appraised value plays a major role in how much you can borrow. A licensed FHA-approved appraiser will assess your property’s market value and note any required repairs.

How to Prepare for Your Appraisal

A clean, well-maintained home can help ensure a smooth appraisal. Before the appraiser arrives:

• Fix minor issues (leaky faucets, cracked windows, loose handrails).
• Ensure all areas are accessible, including attics and basements.
• Gather documentation on recent home improvements.

Common FHA Repair Requirements

Some issues may need fixing before your loan can close:

• Missing handrails on stairs
• Active leaks or roof damage
• Peeling paint (for homes built before 1978)
• Non-functional smoke or carbon monoxide detectors

If required, repairs can either be completed before closing or set aside from your loan proceeds to be completed afterward.

The Closing Process

After the appraisal and lender approval, you’ll review final loan terms and sign the necessary paperwork.

What to Expect at Closing

• Final Loan Disclosure: Outlines the amount you’ll receive, fees, and payment plan.
• Choosing Your Payment Plan: Lump sum, monthly payments, line of credit, or a mix.
• Selecting Your Closing Location: You can sign at home or a notary’s office.

What to Bring to Closing

• Valid photo ID (driver’s license or passport)
• Voided check (for direct deposit of funds)
• Reading glasses or notes with any questions

Right to Cancel

After signing, you have a three-day rescission period (unless using the loan to purchase a home) to cancel if needed.

What Happens Next?

After closing, the work isn’t over—you’ll need to meet specific requirements to keep your loan in good standing. Let’s explore what you need to know to successfully manage your reverse mortgage.

Leverage five quick fixes that can boost your home value “through the roof” (and one mistake that could cost you thousands!) — Pages 81-82

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 8: Managing Your Reverse Mortgage After Closing

Closing on your reverse mortgage is just the beginning. To keep your loan in good standing and continue enjoying its benefits, you’ll need to meet a few key obligations. Let’s break down what’s required and how to handle any challenges that may arise.

Your Ongoing Responsibilities

To remain in compliance with your reverse mortgage, you must:

• Live in the home as your primary residence for at least six months plus one day each year.
• Stay current on property taxes and homeowner’s insurance.
• Maintain the home according to FHA standards.

By keeping up with these requirements, you ensure that your loan remains in good standing and continues serving your financial needs.

Annual Occupancy Certification

Each year, you’ll receive a certification form from your loan servicer confirming that you still reside in your home.

Simply sign and return it within the required timeframe (usually 30 days). If you plan an extended absence—such as traveling for several months—notify your servicer to avoid any issues.

Taxes and Insurance: Staying Up to Date

Keeping property taxes and homeowner’s insurance current is essential. Many borrowers set up automatic payments to avoid missing deadlines.

If you have a Life Expectancy Set-Aside (LESA), your taxes and insurance are prepaid from your loan proceeds. Monitor your LESA account to ensure there are sufficient funds to cover future payments.

Handling Required Repairs

If repairs were needed at the time of closing, you may have a Repair Set-Aside—a portion of your loan reserved for fixing FHA-required issues.

Key Repair Deadlines

• Repairs must typically be completed within 12 months of closing.
• Major repairs must be done by licensed contractors and meet FHA standards.
• A re-inspection is required to confirm completion before funds are released.

If you have concerns about meeting the deadline, contact your loan servicer early to discuss options.

Maintaining Your Property

Your home serves as collateral for your reverse mortgage, so keeping it in good condition is required. Regular upkeep helps you avoid problems down the road.

Basic Maintenance Checklist

• Keep the roof in good repair and free of leaks.
• Maintain plumbing, heating, and electrical systems.
• Address any structural issues or safety hazards promptly.
• Ensure the property remains free of code violations.

Looking Ahead

Over time, your financial situation or home value may change, making refinancing a smart move. In the next chapter, we’ll examine when and how to refinance your reverse mortgage.

Do you know these three “must-follow” rules to keep your reverse mortgage in good standing—and what happens if you break them? (Most don’t…but you will after reading pages 89-93.)

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 9: Refinancing Your Reverse Mortgage

Reverse mortgages aren’t set in stone. Just like traditional home loans, they can be refinanced under the right circumstances.

If your financial situation has changed, your home has appreciated significantly, or interest rates have dropped, refinancing could improve your loan terms or give you access to additional funds.

When Should You Consider Refinancing?

Not every borrower needs to refinance, but here are some common reasons why it may make sense:

• Your home’s value has increased. If your home has appreciated significantly, refinancing can allow you to access more of your equity.
• Interest rates have dropped. Lower rates slow down how quickly your loan balance grows, helping preserve more of your home’s equity.
• You want to add a spouse to the loan. If you’ve married since taking out your reverse mortgage, refinancing ensures your spouse can remain in the home if something happens to you.
• Your financial needs have changed. If you originally chose a lump sum but now prefer a line of credit, refinancing can adjust your payment plan.

Before refinancing, check with your loan servicer. Some changes, like switching your payment plan, may not require a full refinance.

When Refinancing Might Not Make Sense

While refinancing can be beneficial, it’s not always the right move. Consider the following:

• Your home’s value hasn’t increased much. If your property value has only risen slightly, the additional loan proceeds may not justify refinancing costs.
• Closing costs are too high. Like your original reverse mortgage, refinancing comes with fees such as mortgage insurance, appraisal, and closing costs.
• You plan to move soon. If you’re considering relocating in the next few years, refinancing might not be worth the expense.

Lenders often use the Five-to-One Test to evaluate a refinance. This means the additional funds you gain should be at least five times the cost of refinancing.

For example, if refinancing costs $5,000, you should be able to access at least $25,000 in additional equity for the refinance to be worthwhile.

The Refinancing Process

Refinancing a reverse mortgage is often simpler than applying for a new one. Here’s what to expect:

1. Assess your current loan terms. Determine what you hope to achieve with a refinance.
2. Check your home’s current value. A new appraisal will determine how much additional equity you can access.
3. Compare offers from multiple lenders. Different lenders may offer varying terms and fees.
4. Consider whether counseling is required. If you completed HECM counseling within the last five years, you may be eligible for a waiver, but some states still require it.
5. Submit your application. Work with your lender to gather necessary documents and begin the underwriting process.
6. Close on your new loan. Once approved, your new reverse mortgage will replace the old one, and any additional funds will be made available based on your chosen payment plan.

Other Special Cases

For some retirees, refinancing isn’t the best option—but what if you want to buy a new home using a reverse mortgage? In the next chapter, we’ll explore how to use a HECM to finance a home purchase.

See how banks “test” you with the Five-to-One Rule (and how to pass with zero hassle) — Page 99

Download The Complete Reverse Mortgage Retirement Playbook Here →

Chapter 10: Buying a Home with a Reverse Mortgage

Many seniors don’t realize that a Home Equity Conversion Mortgage (HECM) for Purchase can help them buy a new home without taking on monthly mortgage payments.

Whether you’re looking to downsize, move closer to family, or find a home that better suits your retirement lifestyle, this program allows you to finance part of your home purchase using a reverse mortgage.

How HECM for Purchase Works

Instead of paying for the home in full with cash or taking out a traditional mortgage, you make a down payment—typically 50-60% of the home’s purchase price—while the reverse mortgage covers the rest.

Like a standard HECM, there are no required monthly payments, though you must continue paying property taxes, insurance, and home maintenance costs.

Steps to Buying a Home with a HECM

HECM for Purchase is straightforward—here are 3 steps to get you started.

Get Pre-Approved

Before house hunting, work with a lender to determine how much you can afford. This step includes providing:

• Proof of income (Social Security, pensions, or investments)
• Bank and investment statements
• Details on your living expenses and down payment source

Work with a Knowledgeable Real Estate Agent

A real estate agent experienced with HECM for Purchase can:

• Identify homes that meet FHA property requirements
• Structure an offer with the right financing terms
• Explain the process to sellers to avoid confusion or delays

Choose an Experienced Lender

Not all reverse mortgage lenders handle HECM for Purchase transactions regularly. Look for one who:

• Has a proven track record with this program
• Can clearly explain down payment requirements, closing costs, and ongoing expenses
• Coordinates efficiently with real estate agents and title companies

What Types of Homes Qualify?

Not every home meets FHA requirements for a reverse mortgage. The property must be:

• A primary residence (not a second home or rental)
• A single-family home, FHA-approved condo, or qualifying manufactured home
• Able to pass an FHA appraisal to ensure it meets safety and structural standards

Is HECM for Purchase Right for You?

This program works well for seniors who:

• Want to buy a home but avoid monthly mortgage payments
• Need a home that better suits their retirement lifestyle
• Are looking to preserve cash instead of using all their savings to buy a home outright

By working with the right professionals and understanding the process, HECM for Purchase can be a smart way to secure the perfect home for your retirement.

Discover how to buy a home with no monthly mortgage payments using a little-known “backwards” strategy — Page 103

Download The Complete Reverse Mortgage Retirement Playbook Here →

Discover More About Reverse Mortgages

We’ve only scratched the surface on the power of reverse mortgages.

Want to discover more about retiring stress-free?

Download The Complete Reverse Mortgage Retirement Playbook Here →

Inside, you’ll uncover:

• How retirees are using their homes as a “hidden savings account” without selling, downsizing, or giving up decades of memories! — Page 20
• Lost a pension or spouse’s income? The reverse mortgage strategy that creates a lifetime safety net. — Pages 70-71
• The little-known mortgage rule that guarantees you’ll never owe more than your home is worth—no matter what happens to the housing market. — Page 44
• Why your Social Security check might be smaller than you think—and how to get the most out of it (One wrong move could cost you tens of thousands over your lifetime.) — Page 30
• A “bizarre” way to tap into more home equity—even if you already took out a reverse mortgage years ago. — Page 97
• How to safeguard your savings from rising healthcare costs (Medicare won’t cover everything!) — Pages 37-38
• The “cash-poor, house-rich” dilemma—how to turn locked-up equity into flexible financial security — Page 69
• Three ways to slash your retirement expenses…without sacrificing your lifestyle…and no, NONE of these involve clipping coupons or skipping vacations! — Pages 36-37
• Plus…the underused mortgage “loophole” that lets you retire early—even if your financial planner says you can’t! — Page 71

Download The Complete Reverse Mortgage Retirement Playbook Here →

The Reverse Mortgage Retirement Playbook sells for $24.95 in bookstores—but you can download a copy 100% FREE from our website only.

Mike, 72, used this strategy to erase a $1,200 monthly payment overnight—without selling his home. (And he’s just one of 5,103 people we’ve helped using the same system).

You have nothing to lose. Download the Playbook now, and discover why stress-free retirement is easier than you think!

Download The Complete Reverse Mortgage Retirement Playbook Here →