This page consolidates the references cited across this site in one place so a reader can verify a figure without hunting through individual pages. Categories below mirror how the citations are used: federal program rules (HUD, FHA), consumer-protection guidance (CFPB, FTC), state regulators, the counseling network, the rate feed, and the product pages of the jumbo lenders.
Last reviewed
See methodologyA note on what is and is not cited here. Federal authorities (HUD, FHA, CFPB, FRED) are the primary sources for HECM program parameters, the 10-year CMT rate feed, and consumer protections. State Departments of Insurance and equivalent regulators are the primary sources for state-specific counseling rules and recording fees. The National Council on Aging and the HUD HECM Counseling roster are the sources for the counseling-network references. For jumbo reverse mortgages, parameters come from each lender's own product page; there is no federal authority for jumbo program math, and this site flags that distinction wherever a jumbo figure appears. Industry-side organizations such as NRMLA are listed where their public reference material is cited, but are never used as a fact source for product claims.
HUD Mortgagee Letters
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 1 | HUD Mortgagee Letter 2025-22 | 2026 FHA HECM lending limit ($1,249,125), effective for case numbers on or after January 1, 2026 | hud.gov/program_offices/administration/hudclips/letters/mortgagee | 2026-05-20 | | 2 | HUD Mortgagee Letter 2017-12 | HECM Principal Limit Factor tables; expected-rate floor lowered to 3.0% | hud.gov/sites/documents/17-12ml.pdf | 2026-05-20 | | 3 | HUD Mortgagee Letter 2024-22 | 2025 FHA HECM lending limit ($1,209,750) | hud.gov/sites/dfiles/OCHCO/documents/2024-22hsgml.pdf | 2026-05-20 | | 4 | HUD Mortgagee Letter 2014-21 | HECM Financial Assessment and Property Charge Funding Requirements | hud.gov/sites/documents/14-21ml.pdf | 2026-05-20 | | 5 | HUD Mortgagee Letter 2014-12 | HECM principal limit factors implementing the 2013 reform | hud.gov/sites/documents/14-12ml.pdf | 2026-05-20 | | 6 | HUD Mortgagee Letter 2013-27 | Initial mortgage insurance premium structure under the reformed HECM | hud.gov/program_offices/administration/hudclips/letters/mortgagee/2013ml | 2026-05-20 | | 7 | HUD Mortgagee Letters 2014-07 + 2015-15 | Non-borrowing-spouse (NBS) protections | hud.gov/sites/documents/14-07ml.pdf | 2026-05-20 |
FHA Handbook 4000.1
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 8 | FHA Single Family Housing Policy Handbook 4000.1, Section II.B | HECM origination requirements: borrower eligibility, property requirements, principal limit calculation | hud.gov/program_offices/housing/sfh/handbook_4000-1 | 2026-05-20 | | 9 | FHA Handbook 4000.1, Section II.B.6 | HECM disbursement options (lump sum, term, tenure, line of credit, modified term, modified tenure) | hud.gov/program_offices/housing/sfh/handbook_4000-1 | 2026-05-20 | | 10 | FHA Handbook 4000.1, Section II.B.10 | HECM servicing standards, including maturity events and the 12-month occupancy rule | hud.gov/program_offices/housing/sfh/handbook_4000-1 | 2026-05-20 | | 11 | FHA Handbook 4000.1, Section II.B.13 | HECM counseling protocol requirements | hud.gov/program_offices/housing/sfh/handbook_4000-1 | 2026-05-20 | | 12 | FHA Handbook 4000.1, Appendix 1 | Mortgage Insurance Premiums for HECM (2.0% initial; 0.5% annual on outstanding balance) | hud.gov/program_offices/housing/sfh/handbook_4000-1 | 2026-05-20 |
CFPB consumer guidance
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 13 | Consumer Financial Protection Bureau | "What is a reverse mortgage?" consumer-facing definition and risk overview | consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224 | 2026-05-20 | | 14 | Consumer Financial Protection Bureau | Reverse mortgage discussion guide and considerations for older homeowners | consumerfinance.gov/consumer-tools/reverse-mortgages | 2026-05-20 | | 15 | CFPB Report, June 2012 | Reverse Mortgages: Report to Congress: structural risks and product-specific concerns | consumerfinance.gov/data-research/research-reports/reverse-mortgages-report | 2026-05-20 | | 16 | CFPB consumer advisory, August 2015 | Risks of HECM line-of-credit growth marketing | consumerfinance.gov/about-us/newsroom | 2026-05-20 |
FTC: affiliate-disclosure and endorsement rules
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 17 | Federal Trade Commission | 16 CFR §255, Guides Concerning the Use of Endorsements and Testimonials in Advertising | ecfr.gov/current/title-16/chapter-I/subchapter-B/part-255 | 2026-05-20 | | 18 | Federal Trade Commission | 16 CFR Part 465, Trade Regulation Rule on the Use of Consumer Reviews and Testimonials, effective October 21, 2024 | ftc.gov/legal-library/browse/rules/16-cfr-part-465 | 2026-05-20 | | 19 | FTC staff guidance | .com Disclosures: How to Make Effective Disclosures in Digital Advertising | ftc.gov/business-guidance/resources/com-disclosures-how-make-effective-disclosures-digital-advertising | 2026-05-20 |
State regulators (cited on the state pages)
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 20 | California Department of Financial Protection and Innovation (DFPI) | California reverse mortgage statute and lender-supervision authority | dfpi.ca.gov | 2026-05-20 | | 21 | New York Department of Financial Services (NY DFS) | Reverse mortgage rules under Real Property Law §280 and §280-a | dfs.ny.gov | 2026-05-20 | | 22 | Texas Constitution, Article XVI, Section 50 | Home-equity provisions governing reverse mortgages in Texas | statutes.capitol.texas.gov | 2026-05-20 | | 23 | Florida Office of Financial Regulation | Mortgage lender licensing and reverse mortgage supervision; county recording fee schedules referenced for closing-cost estimates | flofr.gov | 2026-05-20 | | 24 | Arizona Department of Insurance and Financial Institutions | Reverse mortgage lender supervision | difi.az.gov | 2026-05-20 | | 25 | Colorado Division of Real Estate | Reverse mortgage rules under Colorado Revised Statutes §38-40-105 | dre.colorado.gov | 2026-05-20 |
Counseling network
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 26 | National Council on Aging | HECM counseling explainer and counselor locator | ncoa.org/article/use-your-home-to-stay-at-home | 2026-05-20 | | 27 | HUD HECM Counseling Roster | Official roster of HUD-approved HECM counselors searchable by ZIP | hud.gov/program_offices/housing/sfh/hcc/hcs.cfm | 2026-05-20 |
Rate feed
| # | Source | Subject | URL | Retrieved |
|---|---|---|---|---|
| 28 | Federal Reserve, Board of Governors, FRED series DGS10 | 10-Year Treasury Constant Maturity Rate, the underlying for the HECM expected-rate calculation | fred.stlouisfed.org/series/DGS10 | 2026-05-20 |
| 29 | Federal Reserve, H.15 Selected Interest Rates | Companion publication for DGS10 confirming the daily rate value | federalreserve.gov/releases/h15 | 2026-05-20 |
Industry reference (flagged)
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 30 | National Reverse Mortgage Lenders Association (NRMLA) | Industry-side reference for member firms and standards. Flagged: NRMLA is an industry association. Used here only for non-controversial reference material such as member rosters; never as a fact source for product claims, parameters, or consumer-risk statements. | nrmla.org | 2026-05-20 |
Lender product pages (jumbo / proprietary programs)
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 31 | Finance of America Reverse, LLC (NMLS #2285) | HomeSafe program page: minimum age 55 and loans up to $4 million for certain products (60 in MA, NY and WA; 62 in NC and TX), lump sum, monthly payouts or line of credit, no insurance premiums | financeofamerica.com/reverse-mortgage/homesafe/ | 2026-10-07 | | 32 | Longbridge Financial, LLC (NMLS #957935) | Longbridge Platinum product page: loan amounts up to $4 million, $2 million cap in Massachusetts, age 55 in select states, fixed-rate loans paid as a single lump sum, Platinum Preserve option to set aside 10–40% of equity | longbridge-financial.com/reverse-mortgage/reverse-mortgage-products/longbridge-platinum/ | 2026-10-07 | | 33 | Mutual of Omaha Mortgage, Inc. (NMLS #1025894) | SecureEquity product page: loan amounts up to $4 million, as young as 55 with higher minimums in some states, lump sum or line of credit | mutualreverse.com/secure-equity/ | 2026-10-07 | | 34 | Reverse Mortgage Funding, LLC | Equity Elite program (proprietary jumbo, offered since 2018). Discontinued: RMF paused all new loans and filed Chapter 11 on November 30, 2022 (first-day declaration, Bankr. D. Del. case 22-11225). Listed for historical reference only; not a live program. | court filings, RMF Chapter 11 docket | 2026-10-07 |
Lender websites (HECM lenders cited on the program pages)
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 35 | American Advisors Group (AAG), now operating under Finance of America Reverse (NMLS #2285) | HECM program parameters and disbursement types | aag.com | 2026-05-20 | | 36 | Longbridge Financial, LLC (NMLS #957935) | HECM program parameters | longbridge-financial.com | 2026-05-20 | | 37 | Mutual of Omaha Mortgage, Inc. (NMLS #1025894) | HECM program parameters | mutualreverse.com | 2026-05-20 |
This site's methodology
| # | Source | Subject | URL | Retrieved | |---|---|---|---|---| | 38 | This site's methodology page | Formula, inputs, and assumptions used by the on-page calculator, including the 3.0% expected-rate floor, FHA case-number-year branching, and the jumbo bounded-range output | mortgagereversal.co/methodology | 2026-05-20 |
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