1. Doesn’t a Reverse transfer title of my home to the lender? 

No. Reverse mortgage borrowers retain ownership of their homes. They are not relinquishing title or ownership using a

reverse mortgage. Title or ownership will not be lost under normal circumstances, as long as they comply with the loan terms.

2. My heirs won’t inherit my home, right?

As long as equity remains, they still will, just as you planned.

3. Couldn’t I get forced out of my home?

Title or ownership will not be lost under normal circumstances, as long as the borrower(s) comply with the loan terms.

4. Couldn’t I outlive the Reverse?

You cannot lose your home under normal circumstances, but please understand

foreclosure may occur if you do not pay your taxes and insurance and otherwise comply with the loan terms.

5. Won’t my Social Security and Medicare income be affected?

No, these benefits will not be affected. However, Medicaid and other income based benefits may possibly be affected.

6. Don’t I have to pay taxes on proceeds from my Reverse mortgage?

Loan proceeds from a Reverse mortgage are not considered income to the borrower.**

7. Aren’t there large out-of-pocket expenses?

Expenses are typical and normal as compared with any government guaranteed loan. 

8. Isn’t a Reverse similar to a home equity loan?

These customized loans are different, and we will clearly explain the differences.

**Please consult with your tax advisor.


These materials are not from HUD or FHA and were not approved by HUD or a government agency.

About Two Bald Mortgage Guys

Ken Blanchard, one of the country’s premier business leadership authors, says in his latest book, “To keep customers today, you can’t be content to merely satisfy them; you have to give them legendary service and create ‘raving fans’ – customers who are so excited about the way you treat them that they tell stories about you.” In everything we do, this is what we envision. We see people such as yourself being so enthused with the process and service we provide that you will become a raving fan for us, telling stories to people of what you just experienced.


8202 Louisiana NE
Suite B
Albuquerque, NM 87113
(505) 830-9685
(505) 830-9684



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