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*Reverse mortgage proceeds are loan advances, not income, so they're generally not subject to income tax. This is general information, not tax advice — please consult a tax advisor about your situation.

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Common Questions & Myths

· August 23, 2022

Reverse Mortgage Myths

Tackles persistent myths: 'the bank takes your home' (you keep the title), 'you could owe more than the home is worth' (it is a non-recourse loan), and 'you can't leave your home to your heirs' (heirs can keep it by repaying the balance, often by refinancing or selling). Facts matter when making a big decision.

Presented by Miguel A. Vazquez

California Reverse Mortgage Specialist · NMLS #401212 · 20+ years experience

Licensed CA Broker

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Instant answers pulled from our guides · not personalized advice

Reverse Mortgage Myths

What You'll Learn

1You keep the title to your home
2Non-recourse: never owe more than home value
3Heirs can keep the home by repaying the loan
4Separating myth from fact

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No upfront appraisal cost. Miguel pays for your home appraisal himself. He's only reimbursed at closing — and only if your loan actually closes.
No upfront credit cost. Miguel also covers the cost of pulling your credit. There is nothing out of your pocket to get started.
Cancel anytime — you lose nothing. Change your mind at any point and you can simply walk away. If your loan doesn't close, Miguel absorbs those costs — never you.

Miguel A. Vazquez pays the upfront appraisal and credit-report costs and is reimbursed only at closing. If the loan does not close, the borrower owes nothing for these items.

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