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HECM industry outlook

The World Bank Group Examines RM Growth

Shannon Hicks
 Moral hazard, adverse risk selection, and market share examined The World Bank Group examined the global reverse mortgage marketplace in it’s January research paper. While the loan remains characterized as a ‘last resort’ their critical analysis of supply-side challenges, adverse selection, and moral hazards are revealing. Despite these challenges the

What’s stopping HECM loan growth?

Shannon Hicks
 Are repeated HECM changes and stricter guidelines preventing substantial growth in HECM endorsements? Despite increasing housing wealth, a growing senior population,  and increasing financial need few older homeowners are taking a reverse mortgage. An examination of potential roadblocks and how to overcome them.

Proprietary RMs Gain as HECM Evolves

Shannon Hicks
Lenders continue to expand their proprietary reverse mortgage offerings – a timely development FHA sees as encouraging. “We are considering some other changes [to the HECM program]”. Those are the words of FHA Commissioner Brian Montgomery during a media conference call for the release of FHA’s report to Congress last

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