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Federally insured reverse mortgage rules are getting a makeover.

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Read on to learn more about the types of reverse mortgages currently available on the market today. Standard home equity conversion mortgages (HECM) The most popular type of reverse mortgage is the federally-insured Home Equity Conversion Mortgage, also known as HECM.

The investigative piece was the first in a new series of articles released by the outlet, touching on subjects including “questions to ask before getting a reverse mortgage. with the terms of the.

New rules for reverse mortgages.. mortgage will have to play by new rules when applying for a loan after the end of this month. The Department of Housing and Urban Development has tightened the.

Reverse Mortgages. A reverse mortgage is a home loan that you do not have to pay back for as long as you live in your home. You only repay the loan when you die, sell your home, or permanently move away. Homeowners who are at least 62 years old are eligible.

As my MONEY colleague george mannes noted previously, some lenders may be willing to waive origination fees and pick up a portion of other upfront costs, such as the initial insurance premium. How do.

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When do I have to pay back a reverse mortgage loan? Reverse mortgage loans typically are repayable when you die, but may need to be repaid sooner if you no longer use the home as your principal residence, or fail to pay taxes or insurance, or make needed repairs.

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In Your 60s: Refi or Reverse Mortgage?. Dinich states the federal government rules that borrowers be at least age 62 to purchase a Federal Government FHA insured reverse mortgage. To get such a.

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Almost all reverse mortgages are Home Equity Conversion Mortgages, or HECMs, insured by the federal housing administration. When a reverse-mortgage borrower dies, the loan becomes due and payable. That means when a reverse mortgage is taken out by only 1 spouse in a married couple, the other spouse can be at risk.

“You know some people have told me reverse mortgages sound too good to be true,” the actor and former senator Fred Thompson says. “I mean, you get cash out of your. nearly 10 percent – in the.