About PhoenixReverseMortgage.com

This website exists to answer one family of questions well: how reverse mortgages actually work for homeowners in the Phoenix, Arizona metro, including whether they are a good idea at all.

What This Site Is (and Is Not)

PhoenixReverseMortgage.com is an independent educational publisher and advertising service. We research and write plain-English guides about Home Equity Conversion Mortgages and their alternatives, focused on the communities of the Valley: Phoenix, Sun City, Sun City West, Scottsdale, Mesa, and their neighbors. When a reader decides they want professional help, we connect them with licensed reverse mortgage specialists who serve Arizona, and we may be paid for that connection. That compensation is how the site stays free, and it is disclosed prominently in our advertising disclosure.

We are not a lender, a mortgage broker, a financial advisory firm, or a government agency. We do not take applications, quote rates, make credit decisions, or give individualized financial advice. We are also not affiliated with, or endorsed by, HUD, the FHA, or any government body.

Our Editorial Standards

  • Facts come from primary sources. Claims about HECM rules are checked against current HUD and FHA guidance, and our money pages link to HUD.gov and the Consumer Financial Protection Bureau so you can verify anything yourself.
  • The cons get equal billing. Reverse mortgages are heavily marketed to seniors, often one-sidedly. Every guide on this site covers costs, equity erosion, and the situations where the product is a poor fit, with the same prominence as the benefits.
  • Estimates are labeled as estimates. Our calculator and example figures use published 2026 principal limit factor approximations and typical costs. They are starting points, never quotes, and we say so everywhere they appear.
  • Dated and maintained. Each guide shows its last-updated date. We review the numbers when HUD announces annual changes (lending limits, for example, change each January) and when market conditions move materially.
  • No pressure, ever. Our lead forms are optional, clearly labeled, and never required to read content or use the calculator. We think the counseling requirement is the best part of the HECM program, and we tell every reader to use it.

Why Trust an Anonymous Website?

Fair question; do not trust us blindly. Check our claims against the government sources we cite, take everything to your mandatory HUD-approved counselor, and compare anything a specialist tells you against a second quote. Good information survives verification. That is the standard we hold our own pages to, and the standard you should hold every reverse mortgage website to, especially ones promising more than they ask you to verify.

How to Reach Us

Corrections, questions, and feedback genuinely help: see our contact page. If you spot a factual error, we want to know and will fix it promptly.

Talk to a Licensed Arizona Specialist, Free

Answer four quick questions and we'll connect you with a licensed reverse mortgage specialist serving your area. No cost, no obligation, no pressure.

About the home

Please choose one. It's OK if the answer is "not yet."

Please pick the closest range. A rough guess is fine.

Please pick the closest range. An estimate is fine.

Please enter the 5-digit ZIP code of the home.

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Your contact details

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Please enter a phone number with area code, like 602-555-0134.

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Please choose a time that suits you.

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No cost, no obligation. We are not a lender; a licensed specialist will contact you.