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Mortgagee Letter 2009-49

Home Equity Loan Behind a HECM Reverse Mortgage: 2026 Subordination Rules

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.

Sep 2, 2026 · 7 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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