Emilio Estelhomme

Reverse Mortgages De-Risked The Plain-English Playbook for Borrowers, Spouses & Heirs (eBook, ePUB)

• Format: ePub

Produktbeschreibung

Reverse Mortgages, De-Risked (2025): The Plain-English Playbook for Borrowers, Spouses & Heirs Cut through the confusion. Get the right quote. Avoid avoidable costs. Know exactly what to dobefore closing, after closing, and if things change.

Problem: Reverse mortgages are powerful but complicated. Many books either sell the product, get lost in technicalities, or go out of date the moment HUD changes limits and rules. Buyers complain most about missing post-closing guidance, unclear costs, and weak heir/spouse instructions. (All Reverse Mortgage, Investopedia)

Solution: This is the one practical guide that walks you from "Should I?" to "What happens next?" with checklists, scripts, decision trees, and fillable worksheets. You'll find clear, up-to-date examples (with 2025 HECM limits), step-by-step servicing playbooks, and ready-to-send letters for surviving spouses and heirs. (HUD)

Inside you'll get:

• A 5-minute Fit Test so you immediately know if a reverse mortgage belongs on your short list.
• A simple "apples-to-apples" Quote Comparison worksheet to avoid hidden fees.
• Three worked cost projections so you can see equity outcomes over 2, 5, and 10 years.
• A full Servicing Playbook: annual calendars, draw rules, and how to avoid foreclosures caused by taxes/insurance lapses.
• Heir & Surviving Spouse step-by-step guides, plus letter templates they can use today.
• A fraud & scam playbook with red-flag checklists and exact reporting steps.
• 50-state quick notes.

Who this helps: homeowners 62+, their adult children, spouses, and financial advisors who need a concise, operational manualnot marketing copy or stodgy academic theory.

A note on accuracy: This book cites HUD and official sources and includes a QR link for periodic updates so readers always find current limits and key rule changes. (Educational only; not legal or tax advice.)

Read it if you want a practical plannot vague warningsand a set of tools you can use the day you close.

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Produktdetails

• Verlag: Emilio Estelhomme
• Erscheinungstermin: 30. September 2025
• Englisch
• ISBN-13: 9798232780524
• Artikelnr.: 75558403

Autorenporträt

Emilio Estelhomme, MPA, is a financial services professional with over 15 years of experience in banking, insurance, and mortgage lending. With a Master's degree in Public Administration, he brings both technical expertise and a clear, consumer-first perspective to the complex world of reverse mortgages. This book reflects his commitment to helping borrowers, spouses, and heirs make informed, confident decisions about their financial futures.

Notes

Detailed references, citations, and additional resources are available in the Endnotes section of this book. Readers are encouraged to consult the official HUD guidance and National Reverse Mortgage Lenders Association (NRMLA) materials for the most current information.

Further Resources

• HUD Reverse Mortgage Information: https://www.hud.gov/program_offices/housing/sfh/hecm
• National Reverse Mortgage Lenders Association (NRMLA): https://www.nrmlaonline.org
• Consumer Financial Protection Bureau (CFPB): https://www.consumerfinance.gov

Connect with the Author

For speaking engagements, workshops, or questions related to reverse mortgage education, please contact: 📧 [e-mail]