How to Prevent Reverse Mortgage Default: HECM Borrower Obligations Guide [2026]

Reverse mortgage default prevention starts with understanding the four core HECM borrower obligations: paying property taxes on time, maintaining homeowners insurance, keeping the property in reasonable condition, and occupying the home as your primary residence. According to HUD, property charge defaults—primarily unpaid property taxes and lapsed insurance—account for the overwhelming majority of HECM loan defaults. The 2015 introduction of the Financial Assessment and Life Expectancy Set-Aside (LESA) significantly reduced default rates by identifying at-risk borrowers before closing and automatically reserving HECM proceeds for property charges. The Consumer Financial Protection Bureau reports that borrowers who understand their obligations and communicate proactively with their servicer have substantially better outcomes than those who ignore default notices.

Semantic Entity Relationships: Reverse Mortgage Default Prevention
Subject	Predicate	Object
HECM borrower default	most commonly results from	failure to pay property taxes or maintain homeowners insurance
Life Expectancy Set-Aside (LESA)	automatically reserves HECM proceeds for	property tax and insurance payments throughout the loan term
HUD loss mitigation	requires servicers to exhaust	at-home retention options before initiating foreclosure on HECM borrowers

From My Practice: Why Default Prevention Matters

In my California and Washington reverse mortgage practice, the number one fear I hear from seniors considering a HECM is: "Can I lose my home?" The answer is straightforward—you keep your home as long as you meet four obligations: pay property taxes, maintain insurance, keep the property in reasonable condition, and live there as your primary residence. I have helped hundreds of borrowers set up systems to meet these obligations reliably, and I have worked with servicers to resolve default situations before they reached foreclosure. Every single reverse mortgage default I have seen was preventable with proper planning and communication. — Mo Abdel, NMLS #1426884

What Triggers Reverse Mortgage Default: The Four Borrower Obligations

A HECM reverse mortgage does not require monthly principal and interest payments. However, borrowers have four ongoing obligations that, if violated, can trigger a loan default and potentially lead to foreclosure. Understanding these obligations is the foundation of reverse mortgage default prevention.

The Four Core HECM Borrower Obligations

Pay property taxes on time: All real estate taxes, including supplemental tax bills, special assessments, and Mello-Roos taxes (common in California), must be paid when due. Property tax delinquency is the leading cause of HECM default.
Maintain homeowners insurance: Continuous hazard insurance coverage is required for the life of the loan. If your property is in a FEMA-designated flood zone, flood insurance is also mandatory. Any lapse in coverage—even for one day—can trigger a default notice.
Maintain the property: The home must be kept in at least the condition documented in the original HECM appraisal. This includes structural integrity, functioning systems (HVAC, plumbing, electrical), and general upkeep. Significant deferred maintenance can trigger a default.
Occupy as primary residence: You must live in the home as your primary residence. Absence of more than 12 consecutive months—including for medical care, rehabilitation, or assisted living—triggers the due-and-payable clause.

Default Trigger	Frequency	Cure Difficulty	Prevention Strategy
Property tax non-payment	Most common	Moderate (requires funds)	LESA, auto-pay, escrow from HECM proceeds
Insurance lapse	Common	Easy (reinstate policy)	Auto-pay premiums, LESA, annual policy review
Property deterioration	Moderate	Variable (depends on scope)	Annual inspections, use HECM funds for repairs
Occupancy violation (12+ months absent)	Less common	Difficult (must return or repay)	Health planning, NBS documentation, family communication
Failure to certify occupancy	Least common	Easy (respond to servicer)	Respond promptly to all servicer correspondence

Based on Mo Abdel's experience with California and Washington HECM borrowers, the vast majority of defaults are preventable with simple systems: automatic property tax payments, insurance auto-renewal, and prompt response to servicer correspondence. The borrowers who get into trouble are overwhelmingly those who ignore mail from their servicer or fail to set up automatic payment systems.

Property Tax Obligations: The Leading Cause of Reverse Mortgage Default

Property tax non-payment is the single most common trigger for reverse mortgage default. In California, property taxes are due in two installments (December 10 and April 10), while Washington property taxes are typically due April 30 and October 31. Missing either deadline can start the default process.

Property Tax Payment Strategies for Reverse Mortgage Default Prevention

Use HECM proceeds: If you have a HECM line of credit or receive monthly tenure payments, allocate a specific portion for property taxes. Set up a dedicated savings account and transfer funds monthly so the full amount is ready when taxes are due.
LESA (Life Expectancy Set-Aside): If your financial assessment indicates risk, a LESA automatically reserves HECM proceeds for property tax and insurance payments. The servicer pays these charges directly from the set-aside—you never have to remember or manage the payments.
Property tax exemptions: California offers a homeowners exemption ($7,000 assessed value reduction), senior citizens property tax assistance, and property tax postponement programs for qualifying seniors. Washington provides senior/disabled property tax exemptions and deferrals. These programs can significantly reduce your tax obligation.
Auto-pay enrollment: Many California counties offer property tax installment plans or direct debit arrangements. Setting up automatic payment eliminates the risk of forgetting a due date.
Communicate with your servicer: If you anticipate difficulty paying property taxes, contact your servicer before the due date. They have more options to help you before a default occurs than after.

California-Specific Data Point

California Proposition 13 (1978) caps the annual property tax increase at 2% of the assessed value, providing predictability for reverse mortgage borrowers budgeting for property taxes. However, supplemental tax bills triggered by ownership transfers or new construction can create unexpected tax obligations. In Orange County, average property tax rates range from 1.0% to 1.2% of assessed value. On a home assessed at $800,000, annual property taxes typically range from $8,000 to $9,600.

In our California and Washington closings, I walk every HECM borrower through a property tax payment plan before closing. We calculate the exact annual obligation, identify applicable exemptions, and set up a system—whether LESA, auto-pay, or monthly budgeting from HECM proceeds—that ensures taxes are paid without fail. This single conversation prevents the majority of potential defaults.

Homeowners Insurance Requirements for Reverse Mortgage Default Prevention

Continuous homeowners insurance coverage is a non-negotiable HECM obligation. Any lapse in coverage—even a gap of one day between policies—can trigger a default notice from your servicer. Understanding the insurance requirements and maintaining continuous coverage is essential for reverse mortgage default prevention.

HECM Insurance Requirements

Hazard insurance: Required on all HECM properties. Coverage must equal the lesser of the insurable value or the maximum claim amount. The policy must name the servicer as the mortgagee.
Flood insurance: Required if the property is in a FEMA-designated Special Flood Hazard Area. Standard homeowners insurance does not cover flood damage. FEMA flood maps are updated periodically—your flood zone status can change after closing.
Wind/hurricane insurance: Required in designated wind zones. Some coastal California properties may need separate windstorm coverage.
Earthquake insurance: Not required by FHA/HUD for HECM loans, but strongly recommended in California given seismic risk. This is an optional, personal financial decision.
Condo/HOA master policy: If you live in a condominium, the HOA master policy must meet FHA requirements, and you may need an individual HO-6 policy for interior coverage.

Insurance Lapse Prevention Checklist

Set up auto-pay for your homeowners insurance premium—annual or monthly payments
Review your policy annually to ensure coverage levels remain adequate as home values change
Shop for competitive rates at least every 2–3 years—California homeowners insurance costs have increased significantly in recent years
Notify your servicer immediately if you change insurance carriers—provide the new policy declarations page
Never cancel an old policy before confirming the new policy is active and the servicer has been notified
Maintain a coverage gap log—if any lapse occurs, document when coverage was reinstated and notify your servicer immediately

Based on Mo Abdel's experience, insurance lapses are the most easily preventable cause of reverse mortgage default. In most cases, a lapsed policy can be reinstated within days. The key is responding immediately when you receive any notice from your insurer or servicer about a coverage issue. Do not ignore this correspondence.

LESA (Life Expectancy Set-Aside): How It Prevents Reverse Mortgage Default

The Life Expectancy Set-Aside (LESA) is one of the most effective reverse mortgage default prevention tools available. Introduced as part of the HECM Financial Assessment in April 2015, LESA automatically reserves a portion of your HECM proceeds to pay property taxes and homeowners insurance for your estimated remaining lifespan.

How LESA Works

When you apply for a HECM, the lender conducts a Financial Assessment that evaluates your ability to pay ongoing property charges. If the assessment determines you are at risk for default—based on credit history, income analysis, and residual income calculation—a LESA is required. The LESA amount is calculated based on your age, life expectancy, current property tax obligation, and current insurance premium.

LESA Feature	Full LESA	Partial LESA
When required	Financial assessment shows inability to pay property charges	Financial assessment shows partial ability with some risk factors
Who pays taxes/insurance	Servicer pays directly from set-aside	Borrower pays with semi-annual servicer verification
Impact on available proceeds	Larger reduction—more proceeds reserved	Smaller reduction—less proceeds reserved
Borrower responsibility	None for taxes/insurance (servicer handles)	Must pay on time and provide proof semi-annually
Default protection level	Highest—eliminates property charge default risk	Moderate—reduces but does not eliminate risk
If LESA funds run out	Borrower becomes responsible for payments	Borrower continues paying as before

In our California and Washington closings, I explain LESA not as a penalty but as a protective feature. Borrowers who initially resist the idea of having proceeds set aside often come to appreciate the peace of mind: they never worry about property tax deadlines or insurance renewals because the servicer handles everything automatically. For seniors with cognitive decline concerns, a full LESA is especially valuable.

Key Data Point: LESA Impact on Default Rates

Since the HECM Financial Assessment and LESA requirements took effect in April 2015, HUD has reported a meaningful decline in HECM property charge default rates. The Financial Assessment screens out borrowers who cannot afford property charges, and the LESA mechanism ensures that at-risk borrowers have automatic protection. Industry data shows that HECM loans with full LESA have near-zero property charge default rates.

Occupancy Rules and the 12-Month Absence Rule for Reverse Mortgage Default Prevention

HECM borrowers must occupy the property as their primary residence. The 12-month absence rule is the key threshold: if you are absent from the home for more than 12 consecutive months for any reason, the loan becomes due and payable. Understanding this rule and planning for potential health events is a critical component of reverse mortgage default prevention.

What Counts as an Absence

Medical/rehabilitation stays: Hospital stays, rehabilitation facilities, and skilled nursing care count toward the 12-month threshold. Brief medical stays of days or weeks are not a concern; extended stays of several months require careful monitoring.
Assisted living: Moving to an assisted living facility triggers the 12-month clock. If you return home within 12 months, the clock resets.
Extended travel: Spending 12+ consecutive months traveling, staying with family, or living in a second home triggers the due-and-payable clause.
Seasonal absences: "Snowbird" lifestyles of 4–6 months in another location do not violate the occupancy requirement, as long as you return and the total absence does not exceed 12 consecutive months.

Annual Occupancy Certification

Your servicer will send an annual occupancy certification letter. You must sign and return this document confirming you still live in the home as your primary residence. Failure to respond to the occupancy certification is itself a default trigger—even if you are living in the home. Always respond promptly to any correspondence from your servicer.

Based on Mo Abdel's experience, the occupancy rule most frequently creates problems for borrowers who enter rehabilitation after a fall or surgery and the stay extends beyond what was originally expected. I advise all my California and Washington HECM borrowers to designate a family member or trusted person who will communicate with the servicer on their behalf if they become incapacitated. Proactive communication with the servicer about temporary absences can prevent misunderstandings.

Property Maintenance Requirements for Reverse Mortgage Default Prevention

HECM borrowers must maintain the property in at least the same condition as documented in the original appraisal. While this obligation receives less attention than property taxes and insurance, significant deferred maintenance can trigger a default. The property serves as collateral for the HECM loan, and FHA requires it to remain in reasonable condition.

Maintenance Standards and Common Issues

Roof integrity: Missing shingles, active leaks, or structural damage must be repaired promptly. Roof replacement can be funded through HECM proceeds.
Plumbing and electrical: Functioning water supply, drainage, and electrical systems are required. Active leaks, non-functioning fixtures, or exposed wiring must be addressed.
HVAC systems: Heating and cooling systems must be operational. In California and Washington, this is both a livability and a property value issue.
Foundation and structure: Significant settling, cracking, or structural damage must be assessed and repaired by qualified professionals.
Exterior condition: Siding, windows, doors, and exterior paint must be maintained. Peeling paint on pre-1978 homes can trigger lead paint remediation requirements.
Grounds maintenance: Basic landscaping, drainage, and grading must be maintained to prevent water damage and comply with local codes.

In our California and Washington practice, I encourage HECM borrowers to use a portion of their available funds for preventive maintenance. A $5,000 roof repair today prevents a $25,000 problem next year—and it keeps your home in compliance with HECM property standards. The HECM line of credit is specifically designed to be used for home maintenance and improvements.

Non-Borrowing Spouse Protections and Reverse Mortgage Default Prevention

When the borrowing spouse dies or permanently moves to a care facility, the non-borrowing spouse (NBS) can remain in the home under HUD's Deferral Period protections—but the NBS must continue to meet all borrower obligations. Understanding these requirements is essential for couples planning around reverse mortgage default prevention.

NBS Obligations During the Deferral Period

Pay property taxes: The NBS must pay all property taxes on time, even though they cannot access additional HECM funds. If a LESA was established, it may continue to cover taxes during the Deferral Period (depending on remaining balance).
Maintain insurance: Continuous homeowners insurance coverage must be maintained. The NBS must ensure the policy remains active and the servicer is listed as mortgagee.
Maintain the property: The same property condition standards apply. The NBS must keep the home in reasonable condition throughout the Deferral Period.
Certify occupancy: Annual occupancy certification is required. The NBS must confirm they continue to live in the home as their primary residence.
No additional draws: The NBS cannot access the HECM line of credit, receive monthly payments, or take any additional loan proceeds during the Deferral Period. Funding for property charges must come from other sources.

Critical Planning Point for Non-Borrowing Spouses

Because the NBS cannot access additional HECM funds during the Deferral Period, couples must plan for how the surviving younger spouse will pay property taxes and insurance after the borrower passes away. This may involve life insurance, dedicated savings, pension or Social Security survivor benefits, or other income sources. Failure to plan for this creates a high-risk default scenario. Consult your CPA and financial advisor.

Based on Mo Abdel's experience, the most successful NBS default prevention strategies involve establishing a separate savings account specifically for property charges and funding it while both spouses are alive. I have seen too many cases where the surviving NBS had no plan for covering property taxes and insurance after the borrower's death. This planning must happen before the HECM closes, not after.

Servicer Communication and Cure Periods for Reverse Mortgage Default Prevention

Your HECM loan servicer is your first line of defense against reverse mortgage default. Proactive communication with your servicer—before problems escalate—is the most effective default prevention strategy available.

The Default and Cure Timeline

Servicer identifies default trigger: The servicer discovers unpaid property taxes, lapsed insurance, property deterioration, or occupancy concerns through routine monitoring.
Written default notice: The servicer sends a formal default notice identifying the specific obligation that has been violated and the required action to cure the default.
Cure period: HUD requires a reasonable cure period—typically 30 to 60 days for property charge defaults. During this time, you can bring your obligations current.
Loss mitigation review: If you cannot cure within the initial period, the servicer must evaluate HUD loss mitigation options before proceeding toward foreclosure.
HUD approval required for foreclosure: The servicer cannot foreclose without HUD approval. HUD reviews whether all loss mitigation options have been exhausted before granting permission.
Foreclosure (last resort): Only after all alternatives have been explored and exhausted can the servicer initiate foreclosure proceedings.

Do Not Ignore Servicer Correspondence

The single most dangerous action a HECM borrower can take is ignoring mail, phone calls, or emails from their loan servicer. Every default I have seen escalate to foreclosure involved a borrower who stopped responding to servicer communications. Open every piece of mail from your servicer. Return every phone call. Respond to every certification request. The servicer has tools to help you, but only if you engage with them.

In our California and Washington closings, I provide every borrower with a contact sheet listing their servicer's phone number, mailing address, email, and online portal. I advise borrowers to keep this information where a family member can find it in case the borrower becomes incapacitated. Many defaults occur not because the borrower is unwilling to pay, but because they are unable to manage their affairs and nobody communicates with the servicer on their behalf.

HUD Loss Mitigation Options for Reverse Mortgage Default Prevention

HUD requires HECM servicers to explore all reasonable alternatives before initiating foreclosure. These loss mitigation options are specifically designed to help borrowers remain in their homes—making them a critical layer of reverse mortgage default prevention.

Available HUD Loss Mitigation Options

Repayment plans: The servicer may establish a repayment plan for past-due property taxes or insurance, allowing the borrower to catch up over time rather than paying the full arrearage at once.
Corporate advances: The servicer may advance funds to pay property taxes or insurance on the borrower's behalf, adding the amount to the loan balance. This prevents a tax sale or insurance lapse while giving the borrower time to arrange permanent solutions.
Counseling referrals: HUD-approved counseling agencies provide free guidance to borrowers facing default. Counselors can help identify financial resources, government assistance programs, and strategies for meeting obligations.
Extended cure periods: In appropriate cases, the servicer can extend the cure period beyond the standard 30–60 days, giving the borrower additional time to resolve the default.
Property charge analysis: The servicer reviews the borrower's complete financial situation to determine whether the default is temporary or systemic, and tailors the solution accordingly.
Deed-in-lieu of foreclosure: As a last resort before foreclosure, the borrower can voluntarily transfer the property to the servicer. This avoids the formal foreclosure process and its associated costs and timeline.

Based on Mo Abdel's experience, HUD's loss mitigation requirements provide a substantial safety net for HECM borrowers. The process from initial default to foreclosure typically takes 12–18 months or more, during which multiple intervention opportunities exist. Borrowers who engage with their servicer and participate in the loss mitigation process have significantly better outcomes.

Reverse Mortgage Default Prevention Data Hub

Metric	Data Point	Relevance to Default Prevention
Leading cause of HECM default	Property tax non-payment	LESA and auto-pay systems are essential
Financial Assessment effective date	April 27, 2015	Pre-2015 loans lack LESA protection
Typical cure period for property charges	30–60 days	Enough time to arrange payment if you act promptly
Occupancy absence threshold	12 consecutive months	Plan for extended medical stays in advance
CA property tax due dates	Dec 10 and Apr 10	Mark calendar or use auto-pay
WA property tax due dates	Apr 30 and Oct 31	Different from CA—know your state schedule
HECM loans with full LESA	Near-zero property charge default rate	Full LESA virtually eliminates tax/insurance defaults
HUD foreclosure approval requirement	All loss mitigation must be exhausted first	Multiple intervention opportunities before foreclosure

In our California and Washington closings, I share this data table with every HECM borrower and their family members. The numbers demonstrate that reverse mortgage default is preventable and that multiple safety nets exist at every stage of the process. Knowledge is the most powerful default prevention tool.

Extended FAQ: Reverse Mortgage Default Prevention Questions

What are the most common causes of reverse mortgage default?

The most common cause of HECM reverse mortgage default is failure to pay property taxes, followed by failure to maintain homeowners insurance coverage. According to HUD data, property charge defaults account for the vast majority of HECM loan defaults. Other causes include failure to maintain the property in reasonable condition, failure to occupy the home as a primary residence for 12+ consecutive months, and failure to respond to annual occupancy certification requests.

Can I lose my home with a reverse mortgage?

You can lose your home through reverse mortgage foreclosure if you fail to meet your ongoing borrower obligations: paying property taxes, maintaining homeowners insurance, keeping the property in reasonable condition, and living in the home as your primary residence. Simply having a reverse mortgage does not put your home at risk—default occurs only when borrowers fail to meet these specific obligations. HUD requires servicers to exhaust loss mitigation options before initiating foreclosure.

What is a Life Expectancy Set-Aside (LESA) on a reverse mortgage?

A Life Expectancy Set-Aside (LESA) is a portion of HECM reverse mortgage proceeds automatically reserved to pay property taxes and homeowners insurance over the borrower estimated remaining lifespan. LESA is required when the financial assessment determines a borrower has insufficient income or credit history to reliably pay these charges independently. LESA funds are held by the servicer and disbursed directly to tax authorities and insurance companies on the borrower behalf.

How long do I have to cure a reverse mortgage default?

HUD requires servicers to provide borrowers with written notice of default and a reasonable cure period—typically 30 to 60 days for property charge defaults. During this period, you can bring your property taxes or insurance current to resolve the default. If you cannot cure within the initial period, HUD loss mitigation options may extend the timeline. Servicers must exhaust all at-home retention options before requesting permission to foreclose.

What happens if I cannot afford my property taxes with a reverse mortgage?

If you cannot afford property taxes, contact your loan servicer immediately—do not wait for a default notice. Servicers may advance property tax payments on your behalf (called a "corporate advance") and add the amount to your loan balance. Your servicer may also help you access HECM proceeds to cover taxes, apply for property tax exemptions or deferrals available in your state, or work through HUD loss mitigation programs designed to prevent foreclosure.

Does a reverse mortgage require flood insurance?

Yes, if your property is located in a FEMA-designated Special Flood Hazard Area, you must maintain flood insurance as a condition of your HECM reverse mortgage. Standard homeowners insurance does not cover flood damage. The flood insurance requirement continues for the life of the loan. Failure to maintain required flood insurance is treated the same as failure to maintain homeowners insurance and can trigger default.

What is the 12-month occupancy rule for reverse mortgages?

HECM borrowers must occupy the property as their primary residence. If you are absent from the home for more than 12 consecutive months—including for medical treatment, rehabilitation, or assisted living—the loan becomes due and payable. Temporary absences of less than 12 months (such as extended travel or short-term medical stays) do not trigger the due-and-payable clause, but you must continue to maintain the property, pay taxes, and keep insurance current during any absence.

Can a non-borrowing spouse prevent reverse mortgage default after the borrower dies?

An eligible non-borrowing spouse (NBS) can remain in the home after the borrowing spouse dies under the HUD Deferral Period protections established in 2015. However, the NBS must continue to meet all borrower obligations: paying property taxes, maintaining insurance, keeping the property in good condition, and certifying annual occupancy. The NBS cannot access additional HECM funds during the Deferral Period. If the NBS fails to meet these obligations, the loan can be called due.

What is HUD loss mitigation for reverse mortgages?

HUD loss mitigation for HECM loans is a set of options servicers must offer before initiating foreclosure. Options include repayment plans for property charge arrearages, property charge advances by the servicer, counseling referrals, deadline extensions for curing defaults, and in some cases, at-home retention solutions. HUD requires servicers to document that all reasonable alternatives to foreclosure have been explored before requesting approval to initiate foreclosure proceedings.

How does the financial assessment affect reverse mortgage default risk?

The HECM financial assessment, required since April 2015, evaluates a borrower ability to pay property charges (taxes and insurance) based on credit history, income, and residual income analysis. Borrowers who do not meet the financial assessment thresholds may still qualify for a HECM but will be required to have a Life Expectancy Set-Aside (LESA)—an automatic reserve for property charges. This assessment has significantly reduced HECM default rates since its implementation.

What property maintenance is required to prevent reverse mortgage default?

HECM borrowers must maintain the property in at least the same condition as the original appraisal. This includes structural integrity (roof, foundation, plumbing, electrical), functioning HVAC systems, safe and accessible entry and exits, pest control, and general upkeep of the grounds. Servicers may conduct periodic property inspections. If significant deferred maintenance is identified, the servicer will notify the borrower and provide a cure period to make repairs.

Can I be foreclosed on for not maintaining my reverse mortgage property?

Yes, severe property deterioration can trigger a reverse mortgage default. However, this is rarely the first action. Servicers typically issue a property maintenance notice, provide a reasonable cure period (often 60 to 90 days), and work with the borrower to arrange repairs before escalating to default. Minor cosmetic issues do not trigger default—the standard is whether the property condition significantly impacts its value or safety.

Expert Summary: Reverse Mortgage Default Prevention Checklist

Key Takeaways for Reverse Mortgage Default Prevention

Property tax non-payment is the leading cause of HECM default—set up auto-pay or LESA to eliminate this risk
Never let homeowners insurance lapse—even a one-day gap can trigger a default notice from your servicer
LESA protects at-risk borrowers automatically—it reduces available proceeds but virtually eliminates property charge default
The 12-month occupancy rule is absolute—plan for extended medical stays and communicate with your servicer about absences
Property maintenance is an enforceable obligation—use HECM proceeds for necessary repairs to stay in compliance
Non-borrowing spouses must independently fund property charges during the Deferral Period—plan this before closing
HUD requires all loss mitigation options to be exhausted before foreclosure—engaging with your servicer creates multiple intervention opportunities
Never ignore servicer correspondence—every default that escalated to foreclosure involved a borrower who stopped communicating

Get Expert Guidance on Reverse Mortgage Obligations

Understanding your HECM obligations before closing is the single most effective way to prevent reverse mortgage default. I will walk you through every obligation, set up payment systems, and ensure your loan is structured with appropriate protections—including LESA if warranted. No obligation, no pressure.

Call Mo Abdel: (949) 579-2057

NMLS #1426884 | Lumin Lending NMLS #2716106

Free consultation. I work with 50+ Wholesale Lenders to find the most competitive HECM reverse mortgage terms with the right protections for your situation.