State guides

Reverse mortgages by state

Local rules, HUD counseling resources, and state-specific context. Federal HECM rules apply nationwide; states add wrinkles.

• Reverse Mortgages in CaliforniaCalifornia reverse mortgage education covering counseling, state consumer protections, insurance and property-charge planning, and license verification.
• Reverse Mortgages in TexasTexas reverse mortgage education covering the federal HECM framework, Texas homestead rules, counseling, and verification steps.