Reverse Mortgages are federally insured by the Federal Housing Administration (FHA) and regulated by the U.S. Department of Housing and Urban Development (HUD). This is a Home Equity Conversion Mortgage (HECM) program. Borrowers must meet eligibility requirements, including age 62 or older, occupy the home as a primary residence, and complete mandatory independent counseling through a HUD-approved agency. The homeowner remains responsible for property taxes, homeowners insurance, and property maintenance. Loan terms, conditions, and available proceeds may vary. This is not a commitment to lend. Consult a qualified advisor to determine if this program is appropriate for your financial situation.