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Many retirees say the same thing after they learn about this option: “I wish I had looked into this years earlier.” For eligible homeowners, there’s a federally insured, FHA‑backed home equity program that can be used as a second mortgage, allowing you to: Keep your existing low‑rate first mortgage in place Access a portion of your home’s equity Have no required monthly payments on the reverse portion Stay in the home you love and remain on title You don’t have to sell, move, or give up ownership. Repayment on the reverse is typically not required until a qualifying event, such as selling the home or moving out permanently. Independent counseling helps you clearly understand the benefits, costs, and alternatives. This isn’t right for everyone—but many retirees say their only regret is not learning about it sooner. Take a quick 2‑minute quiz to see what this FHA‑backed second‑mortgage reverse option could look like for you—no obligation, just information.