Reverse Mortgages
News, insights and expert analysis on reverse mortgages from the team at Kiplinger.

Donna LeValley
A reverse mortgage is a loan on your house that lets you tap your home equity. Like a cash advance, a bank fronts you the money and you have to repay it, with accrued interest, at the end of the loan period. If you’re considering a reverse mortgage, there’s a lot you need to know before signing on the dotted line. There are costs associated with a reverse mortgage, interest and fees, that accumulate during the term. Start with our guide to everything you should know about reverse mortgages, then work your way through our other features, guides and news stories.
Latest
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What if You Could Increase Your Retirement Income by 50% to 75%? Here's How
Combining IRA investments, lifetime income annuities and a HECM into one plan could significantly increase your retirement income and liquid savings compared to traditional planning.
By Jerry Golden, Investment Adviser Representative Published
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What the HECM? Combine It With a QLAC and See What Happens
Combining a reverse mortgage known as a HECM with a QLAC (qualifying longevity annuity contract) can provide longevity protection, tax savings and liquidity for unplanned expenses.
By Jerry Golden, Investment Adviser Representative Published
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Reverse Mortgages: 10 Things You Must Know
Mortgages Reverse mortgages can be complicated so it’s imperative that you understand how the loan is repaid, the monthly costs and potential scams to look out for.
By Donna LeValley Last updated
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How to Create a Retirement Plan That Checks All Your Boxes
You might consider starting with a model retirement plan that has already been assembled and is ready to be refined to meet your objectives.
By Jerry Golden, Investment Adviser Representative Published
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A Different Way to Approach Your Mortgage in Retirement
Conventional wisdom says don't carry any mortgage into retirement, and if you can manage that debt-free feat, good for you. But there are other options.
By Jerry Golden, Investment Adviser Representative Published
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Would a Reverse Mortgage Work for You in a Gray Divorce?
If you're getting a divorce but are reluctant to sell your home or can't afford to buy out your spouse's half, a reverse mortgage could be a solution.
By Andrew Hatherley, CDFA®, CRPC® Published
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10 Things You Should Know About Reverse Mortgages
A look at what to know about reverse mortgages, and why caution around them is warranted.
By David Rodeck Published
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How to Add Home Equity to Your Retirement Income Planning
Home equity is sometimes overlooked as a viable resource in retirement. You don’t have to sell your home to find income and liquidity.
By Jerry Golden, Investment Adviser Representative Published
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Is Your Retirement Solution Hiding in Plain Sight?
Here’s how to use your home equity in combination with an annuity contract to produce late-in-life income.
By Jerry Golden, Investment Adviser Representative Published