Cash-Out
Cash-Out Refinance to Pay Off a Reverse Mortgage (HECM) in 2026
Use a cash-out refinance to pay off a HECM reverse mortgage in 2026: 95% non-recourse cap, dual-lien release, DTI hurdles, and smarter exit paths.
HECM
Reverse Mortgage
Reverse Mortgage Non-Borrowing Spouse Rules (2026): Eligibility, Deferral, and How to Stay in the Home
Learn how an eligible non-borrowing spouse can stay in the home under a HECM: 2026 deferral rules, ML 2021-11 protections, obligations, and MOE pathway.
Home Equity
Home Equity Loan Behind a HECM Reverse Mortgage: 2026 Subordination Rules
HUD permits a home equity loan behind a HECM reverse mortgage, but lenders rarely originate one. See the 2026 subordination rules and real alternatives.
Reverse Mortgage
Reverse Mortgage LESA Requirements 2026: Life Expectancy Set-Aside Explained
Learn when a 2026 HECM borrower must fund a LESA, how the set-aside is calculated, fully vs partially funded rules, and when extenuating circumstances apply.
Reverse Mortgage
HECM for Purchase Down Payment: Sourcing Rules and Seasoning Requirements (2026)
HECM for Purchase down payment rules in 2026: acceptable sources, the 6% IPC cap after FHA's April 2024 change, and 12-month seasoning explained.
Reverse Mortgage
Reverse Mortgage Line of Credit Growth Rate 2026: How the HECM Unused Balance Really Grows
How the HECM reverse mortgage line of credit growth rate works in 2026, why the unused balance isn't taxable interest, and how retirees use it strategically.
Refinancing
HECM-to-HECM Refinance 2026: The 5× Benefit Rule, MIP Credit, and When It’s Worth It
HUD's 5× benefit rule decides if you can refinance your reverse mortgage in 2026. See the math, seasoning windows, MIP credit, and when it's worth it.