Reverse Mortgages by State

The federal Home Equity Conversion Mortgage (HECM) program sets the bulk of the rules that govern a reverse mortgage: who can borrow, what counseling is required, how the principal limit is calculated, and what happens at maturity. Those rules apply in every state. The 2026 HECM lending limit is $1,249,125 (HUD Mortgagee Letter 2025-22), the federal floor age is 62, and HUD-approved counseling (HUD Handbook 4000.1, Section II.B) is required before any lender can move forward.

What changes state to state is narrower than most aggregator pages imply. The variables worth checking before you apply are:

• Originator and lender licensing. Every state runs its own mortgage-licensing regime layered on top of NMLS. The agency name and the citation differ; the work the originator does is mostly the same.
• Recording fees and mortgage taxes. Set at the county or state level. Florida and New York carry the heaviest recording-side costs in the country; most other states are in the tens of dollars.
• Surviving-spouse protections. Most states default to the federal Mortgagee Optional Election or Eligible Non-Borrowing Spouse framework. A few (New York being the most-cited example) have layered state law on top.
• Jumbo / proprietary minimum age. Federal HECM is 62 in every state. Finance of America's HomeSafe starts at 55 for certain products, 60 in MA, NY, and WA, and 62 in NC and TX (Finance of America, HomeSafe program page). Longbridge Platinum and Mutual of Omaha's SecureEquity set their own state minimums, as young as 55 in some states (each lender's product page). See the program parameter cards.
• HUD counselor availability. The HECM Counselor Roster is the authoritative national list. Every state has authorized agencies; most sessions run by phone.

Which state has a reverse mortgage page here?

The five states below carry the most U.S. reverse-mortgage search demand and get a full profile card. Every other state has its own page too, listed alphabetically underneath.

A state page covers the originator-licensing agency, counseling availability, recording-fee range, a worked principal-limit example (at the state median home value where the page cites it, otherwise at an illustrative value), and the jumbo cross-reference where it applies. Pages do not link to other state pages; each one is self-contained against the federal-plus-state rule set and the calculator.

If your state is not on the list, the federal HECM rules in the HECM requirements guide and the calculator still apply; the state-specific layer is the originator's licensing agency and the recording fees at your county clerk's office.