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      <video:publication_date>2022-08-23</video:publication_date>
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      <video:title>Does Your Reverse Mortgage Need to Be Paid Back?</video:title>
      <video:description>Yes — like any loan, a reverse mortgage is repaid, but not through monthly payments. It becomes due when the last borrower sells, moves out permanently, or…</video:description>
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      <video:publication_date>2022-11-03</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/the-truth-about-reverse-mortgage-guilt</loc>
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      <video:title>The Truth About Reverse Mortgage Guilt</video:title>
      <video:description>Addresses the emotional side — some homeowners feel guilty about tapping the equity they worked hard to build. The reality is that your home equity is a…</video:description>
      <video:player_loc>https://www.youtube.com/embed/hE0wghyCzhA</video:player_loc>
      <video:publication_date>2025-06-13</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/reverse-mortgage-vs-home-equity-loan</loc>
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      <video:title>Reverse Mortgage vs. Home Equity Loan</video:title>
      <video:description>Compares the two options. A home equity loan or HELOC requires monthly payments and qualification based on credit and income, while a reverse mortgage…</video:description>
      <video:player_loc>https://www.youtube.com/embed/HF-lxmVCgjg</video:player_loc>
      <video:publication_date>2022-08-24</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/reverse-mortgages-what-to-know-before-you-start</loc>
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      <video:title>Reverse Mortgages: What to Know Before You Start</video:title>
      <video:description>A primer on what to understand before applying: your ongoing responsibilities (property taxes, insurance, and upkeep), how the loan balance grows over time,…</video:description>
      <video:player_loc>https://www.youtube.com/embed/IZsTIKmNUw0</video:player_loc>
      <video:publication_date>2018-08-07</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/reverse-mortgages-what-to-know-before-you-call</loc>
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      <video:title>Reverse Mortgages: What to Know Before You Call</video:title>
      <video:description>What to have ready before you pick up the phone: your home&apos;s approximate value and any remaining mortgage balance, a clear sense of your goals for the…</video:description>
      <video:player_loc>https://www.youtube.com/embed/sEHMBZyMfw0</video:player_loc>
      <video:publication_date>2019-05-11</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/reverse-mortgage-counseling</loc>
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      <video:title>Reverse Mortgage Counseling</video:title>
      <video:description>Explains the required HUD-approved counseling session. An independent, HUD-approved counselor reviews how reverse mortgages work, the costs, and the…</video:description>
      <video:player_loc>https://www.youtube.com/embed/419dXpSKRQo</video:player_loc>
      <video:publication_date>2022-09-06</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/reverse-mortgage-counseling-explained</loc>
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      <video:title>Reverse Mortgage Counseling Explained</video:title>
      <video:description>Goes deeper into what to expect from counseling: how to choose a counselor, what documents to bring, what questions to ask, and how the certificate you…</video:description>
      <video:player_loc>https://www.youtube.com/embed/I1CW1lwdEMw</video:player_loc>
      <video:publication_date>2020-05-25</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/reverse-mortgage-near-me</loc>
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    <video:video>
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      <video:title>Reverse Mortgage Near Me</video:title>
      <video:description>Why working with a local, licensed California specialist helps: they understand state rules and local property values, and can meet with you in person —…</video:description>
      <video:player_loc>https://www.youtube.com/embed/TNMBemAuOu0</video:player_loc>
      <video:publication_date>2022-09-14</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/learn/videos/client-review-maria-s-reverse-mortgage-experience</loc>
    <lastmod>2022-11-28</lastmod>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/qQAbckBpFXg/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Client Review: Maria&apos;s Reverse Mortgage Experience</video:title>
      <video:description>A real client shares her experience working with Miguel — what led her to consider a reverse mortgage, how the process felt, and the difference that clear,…</video:description>
      <video:player_loc>https://www.youtube.com/embed/qQAbckBpFXg</video:player_loc>
      <video:publication_date>2022-11-28</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/que-es-una-hipoteca-inversa-y-como-funciona</loc>
    <lastmod>2020-05-26</lastmod>
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    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/OS1--EDaX7E/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Qué Es una Hipoteca Inversa y Cómo Funciona?</video:title>
      <video:description>Una hipoteca inversa es un préstamo para propietarios de 62 años o más que convierte parte de la plusvalía de su casa en dinero, sin pagos hipotecarios…</video:description>
      <video:player_loc>https://www.youtube.com/embed/OS1--EDaX7E</video:player_loc>
      <video:publication_date>2020-05-26</video:publication_date>
    </video:video>
  </url>
  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/hipotecas-inversas-una-solucion-para-la-jubilacion</loc>
    <lastmod>2020-05-25</lastmod>
    <changefreq>monthly</changefreq>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/3ZNbzmMTAug/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Hipotecas Inversas: ¿Una Solución para la Jubilación?</video:title>
      <video:description>Explora cómo una hipoteca inversa puede formar parte de un plan de jubilación: complementar ingresos, eliminar un pago hipotecario existente o crear un…</video:description>
      <video:player_loc>https://www.youtube.com/embed/3ZNbzmMTAug</video:player_loc>
      <video:publication_date>2020-05-25</video:publication_date>
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  </url>
  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/por-que-obtener-una-hipoteca-inversa</loc>
    <lastmod>2022-09-23</lastmod>
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      <video:title>¿Por Qué Obtener una Hipoteca Inversa?</video:title>
      <video:description>Repasa razones comunes por las que los propietarios consideran una hipoteca inversa: cubrir gastos diarios o médicos, pagar deudas, financiar mejoras para…</video:description>
      <video:player_loc>https://www.youtube.com/embed/UBmv3qCcIUw</video:player_loc>
      <video:publication_date>2022-09-23</video:publication_date>
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  </url>
  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/que-es-una-hipoteca-inversa</loc>
    <lastmod>2020-05-26</lastmod>
    <changefreq>monthly</changefreq>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/thwj_Zucxbg/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Qué Es una Hipoteca Inversa?</video:title>
      <video:description>La definición más sencilla: una hipoteca inversa es lo opuesto a una hipoteca tradicional. En vez de hacerle pagos al banco cada mes para acumular…</video:description>
      <video:player_loc>https://www.youtube.com/embed/thwj_Zucxbg</video:player_loc>
      <video:publication_date>2020-05-26</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/como-funciona-una-hipoteca-inversa</loc>
    <lastmod>2020-05-25</lastmod>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/zw-DqVnYYqk/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Cómo Funciona una Hipoteca Inversa</video:title>
      <video:description>Repasa cómo funciona una hipoteca inversa en la práctica: en lugar de pagarle al prestamista cada mes, usted recibe fondos y el saldo del préstamo crece con…</video:description>
      <video:player_loc>https://www.youtube.com/embed/zw-DqVnYYqk</video:player_loc>
      <video:publication_date>2020-05-25</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/es-la-hipoteca-inversa-una-solucion-para-jubilados</loc>
    <lastmod>2022-09-28</lastmod>
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    <priority>0.6</priority>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/HHiR4v3o7vM/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Es la Hipoteca Inversa una Solución para Jubilados?</video:title>
      <video:description>Examina en qué situaciones una hipoteca inversa encaja mejor en la jubilación: cuando hay buena plusvalía acumulada, cuando se planea permanecer en la casa…</video:description>
      <video:player_loc>https://www.youtube.com/embed/HHiR4v3o7vM</video:player_loc>
      <video:publication_date>2022-09-28</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/razones-para-obtener-una-hipoteca-inversa</loc>
    <lastmod>2022-09-23</lastmod>
    <changefreq>monthly</changefreq>
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      <video:title>Razones para Obtener una Hipoteca Inversa</video:title>
      <video:description>Más allá de la teoría, repasa situaciones reales en las que los propietarios eligen una hipoteca inversa: dejar de hacer el pago mensual de la hipoteca para…</video:description>
      <video:player_loc>https://www.youtube.com/embed/jD-YxNB8GwY</video:player_loc>
      <video:publication_date>2022-09-23</video:publication_date>
    </video:video>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/puede-sacar-dinero-en-efectivo-de-una-hipoteca-inversa</loc>
    <lastmod>2024-11-24</lastmod>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/OQLq7NU-0LY/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Puede Sacar Dinero en Efectivo de una Hipoteca Inversa?</video:title>
      <video:description>Explica cómo una hipoteca inversa le permite acceder a la plusvalía de su casa en efectivo. Según el programa, puede recibir los fondos como suma global,…</video:description>
      <video:player_loc>https://www.youtube.com/embed/OQLq7NU-0LY</video:player_loc>
      <video:publication_date>2024-11-24</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/hay-limites-para-retirar-efectivo-de-su-hipoteca-inversa</loc>
    <lastmod>2022-08-19</lastmod>
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    <video:video>
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      <video:title>¿Hay Límites para Retirar Efectivo de su Hipoteca Inversa?</video:title>
      <video:description>Aclara que sí existen reglas sobre cuánto efectivo puede retirar y cuándo. El monto total disponible depende de su edad, el valor de su casa y las tasas, y…</video:description>
      <video:player_loc>https://www.youtube.com/embed/-Dil7-8ZQKs</video:player_loc>
      <video:publication_date>2022-08-19</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/como-afecta-la-hipoteca-inversa-a-sus-beneficios</loc>
    <lastmod>2020-09-30</lastmod>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/nXqSRzKZUXg/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Cómo Afecta la Hipoteca Inversa a sus Beneficios?</video:title>
      <video:description>Explica cómo una hipoteca inversa puede interactuar con los beneficios del gobierno. Por lo general, los fondos no afectan el Seguro Social ni Medicare,…</video:description>
      <video:player_loc>https://www.youtube.com/embed/nXqSRzKZUXg</video:player_loc>
      <video:publication_date>2020-09-30</video:publication_date>
    </video:video>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/ambos-conyuges-deben-tener-62-anos-para-una-hipoteca-inversa</loc>
    <lastmod>2023-10-27</lastmod>
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      <video:title>¿Ambos Cónyuges Deben Tener 62 Años para una Hipoteca Inversa?</video:title>
      <video:description>Explica cómo funciona la regla de edad para parejas casadas. Al menos un prestatario debe tener 62 años o más. Un cónyuge más joven puede ser &apos;cónyuge no…</video:description>
      <video:player_loc>https://www.youtube.com/embed/vbriahHX_6g</video:player_loc>
      <video:publication_date>2023-10-27</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/puedo-obtener-una-hipoteca-inversa-con-credito-bajo</loc>
    <lastmod>2022-08-18</lastmod>
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    <priority>0.6</priority>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/SiDpco53gQQ/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Puedo Obtener una Hipoteca Inversa con Crédito Bajo?</video:title>
      <video:description>No hay un puntaje de crédito mínimo. El prestamista realiza una evaluación financiera para confirmar que usted puede pagar los impuestos y el seguro, pero…</video:description>
      <video:player_loc>https://www.youtube.com/embed/SiDpco53gQQ</video:player_loc>
      <video:publication_date>2022-08-18</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/puede-obtener-una-hipoteca-inversa-si-no-esta-jubilado</loc>
    <lastmod>2020-10-09</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
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      <video:thumbnail_loc>https://i.ytimg.com/vi/hBEURQIKesA/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Puede Obtener una Hipoteca Inversa si No Está Jubilado?</video:title>
      <video:description>Aclara que no es necesario estar jubilado para calificar. El requisito principal es tener 62 años o más y que la casa sea su residencia principal. Puede…</video:description>
      <video:player_loc>https://www.youtube.com/embed/hBEURQIKesA</video:player_loc>
      <video:publication_date>2020-10-09</video:publication_date>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/hipoteca-inversa-y-credito-bajo-es-posible</loc>
    <lastmod>2022-08-18</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/-GMz7HRJ-go/hqdefault.jpg</video:thumbnail_loc>
      <video:title>Hipoteca Inversa y Crédito Bajo: ¿Es Posible?</video:title>
      <video:description>Tranquiliza a quienes tienen crédito bajo: por lo general no se exige un puntaje mínimo. Si en el pasado hubo pagos atrasados de impuestos o seguro, el…</video:description>
      <video:player_loc>https://www.youtube.com/embed/-GMz7HRJ-go</video:player_loc>
      <video:publication_date>2022-08-18</video:publication_date>
    </video:video>
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  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/como-se-relaciona-el-credito-con-una-hipoteca-inversa</loc>
    <lastmod>2020-09-02</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/H50p69fPD_Y/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Cómo se Relaciona el Crédito con una Hipoteca Inversa?</video:title>
      <video:description>Explica el papel que juega el crédito al solicitar una hipoteca inversa. Por lo general no se exige un puntaje mínimo; en su lugar, el prestamista revisa su…</video:description>
      <video:player_loc>https://www.youtube.com/embed/H50p69fPD_Y</video:player_loc>
      <video:publication_date>2020-09-02</video:publication_date>
    </video:video>
  </url>
  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/puede-obtener-una-hipoteca-inversa-sobre-un-condominio</loc>
    <lastmod>2020-09-14</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
    <video:video>
      <video:thumbnail_loc>https://i.ytimg.com/vi/SY78hZl74TQ/hqdefault.jpg</video:thumbnail_loc>
      <video:title>¿Puede Obtener una Hipoteca Inversa sobre un Condominio?</video:title>
      <video:description>Sí, muchos condominios califican para una hipoteca inversa. Por lo general, el condominio debe estar aprobado por la FHA, aunque en algunos casos una sola…</video:description>
      <video:player_loc>https://www.youtube.com/embed/SY78hZl74TQ</video:player_loc>
      <video:publication_date>2020-09-14</video:publication_date>
    </video:video>
  </url>
  <url>
    <loc>https://reversemortgageplus.net/es/aprenda/videos/que-propiedades-califican-para-una-hipoteca-inversa</loc>
    <lastmod>2020-08-31</lastmod>
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