Reverse mortgages may promise security for senior homeowners, but they come with layers of complexity that every title professional should understand. In this episode, Crosby and Zina take a deep dive into the federally insured Home Equity Conversion Mortgage (HECM) program, exploring how these loans really work behind the scenes. From mandatory counseling and insurance premiums to title-specific issues, this conversation unpacks the legal, technical, and ethical rules that define one of real estate's most misunderstood financial tools.

What you'll learn from this episode

• The key differences between FHA-insured HECMs and proprietary reverse mortgages
• Why the life expectancy set-aside (LESA) exists and how it affects taxes and insurance
• Title-specific traps: dual mortgages, outdated forms, and required endorsements
• What heirs and non-borrowing spouses must know about loan maturity and repayment
• How title professionals can educate clients and estate planners to prevent costly surprises

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• Explore more on our website: www.alltechnational.com/podcast
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