1,401,176 HECM reverse mortgages insured by FHA since 1989.
Your reverse mortgage options in about 2 minutes. No Social Security number or credit check.
Reverse mortgage guide
General educational guides. ZYNG Mortgage is not currently licensed to originate reverse mortgage loans in these states.
The HECM is a federal program, so most of the rules are the same everywhere. What changes from state to state are the things around the loan: property tax relief for older homeowners, the kinds of property that are common there, insurance, and where to find free help. These guides cover those pieces for homeowners in each state.
Wherever you live, a HUD-approved housing counselor can help you for free or at low cost. Call HUD at (800) 569-4287 or visit hud.gov/counseling. To learn the basics first, read How a Reverse Mortgage Works and the Reverse Mortgage Guide.
ZYNG Mortgage, Inc., NMLS #76801. A reverse mortgage has no required monthly mortgage payments and uses your home's equity. Fees, mortgage insurance and other costs can be added to the loan balance, and the balance grows over time as interest is added, so your equity typically decreases. When the loan becomes due, the home may need to be sold, or the loan repaid from other funds. Interest is not tax-deductible until it is paid, in part or in full. You keep title to your home and must keep paying property taxes, homeowners insurance and upkeep, and meet the other loan terms; not doing so can make the loan due and could lead to foreclosure.
This material is not from HUD or FHA and was not approved by HUD or a government agency.
HECM count at the top of this page: HUD data through September 2026 (source, opens in a new tab).
