The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Illustration of an elderly couple reviewing financial papers at their kitchen table with a house and upward red arrow in the background, symbolizing using a reverse mortgage to access home e

Reverse Mortgages: When They Make Sense—and the Risks You Need to Know

By Scott Sheldon / December 17, 2025

For many retirees, the majority of their wealth is tied up in their home. Over time, that house becomes more than a place to live—it becomes a significant financial asset. A reverse mortgage offers a way to turn part of that home equity into usable funds without selling the property or taking on new monthly…

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