We help homeowners with reverse mortgages in all 50 states. Most of the process happens by phone, video and secure document upload, and closings are arranged locally wherever you live.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Do the rules change by state?
HUD's HECM rules are national, and the 2026 limit of $1,249,125 applies everywhere. Some states add their own requirements, such as extra disclosures, waiting periods or how closings are handled, and property tax relief programs for seniors vary by state and county. We'll walk you through anything specific to your state.