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.

Last reviewed 2026-05-20

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. The private jumbo programs (HomeSafe, Platinum Preserve, SecureEquity+) admit at age 55 in most states but require age 60 in MA, NY, and WA, and age 62 in NC and TX for HomeSafe. See /programs.
• 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 a typical home value in the state, 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 at /guides/reverse-mortgage-requirements 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.