HECM Reverse Mortgages as Stand-Alone Instruments
Tool Description
Kosher HECM Reverse Mortgage Calculator Seniors can use this calculator to find the best way to draw funds on a new HECM, and the lender offering the most advantageous terms on the HECM that best meets their needs.
Kosher HECM Reverse Mortgage Spreadsheet Seniors who already have a HECM can use this tool to see what their future loan balance and owner equity will be, and whether it might be desirable either to change the way funds are being drawn or to refinance into a new HECM.
Current HECM Prices Seniors who want to monitor the HECM market can see the lowest current interest rates and origination fees posted by the lenders who deliver their prices to this site.
Current HECM Uses Seniors looking for information on the various ways that funds can be drawn by borrowers of different ages with homes of varying values, can see examples in the tables shown here, which are recalculated periodically to reflect current pricing.
Questions and Answers About HECMs A list of the most commonly asked questions regarding HECM reverse mortgages.

HECM Reverse Mortgages as Part of Retirement Plans
Tool Description
Retirement Saver Spreadsheet This spreadsheet will show you how a savings plan adopted now will increase your spendable funds at retirement, with or without a HECM reverse mortgage.
Retirement Funds Integrator (RFI) Homeowners at retirement can find the optimal combination of asset management, annuity and HECM.