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HBO and The Ringer's Bill Simmons hosts the most downloaded sports podcast of all time, with a rotating crew of celebrities, athletes, and media staples, as well as mainstays like Cousin Sal, Joe House, and a slew of other friends and family members who always happen to be suspiciously available.
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Reverse mortgages may promise security for senior homeowners, but they come with layers of complexity that every title professional should understand. In this episode, Crosby and Zina take a deep dive into the federally insured Home Equity Conversion Mortgage (HECM) program, exploring how these loans really work behind the scenes. From mandatory counseling and insurance premiums to title-specific issues, this conversation unpacks the legal, technical, and ethical rules that define one of real estate's most misunderstood financial tools.
What you'll learn from this episode
- The key differences between FHA-insured HECMs and proprietary reverse mortgages
- Why the life expectancy set-aside (LESA) exists and how it affects taxes and insurance
- Title-specific traps: dual mortgages, outdated forms, and required endorsements
- What heirs and non-borrowing spouses must know about loan maturity and repayment
- How title professionals can educate clients and estate planners to prevent costly surprises
Connect With UsLove what you're hearing? Don't miss an episode! Follow us on our social media channels and stay connected.
- Explore more on our website: www.alltechnational.com/podcast
- Stay updated with our newsletter: www.mochoumil.com
- Follow Mo on LinkedIn: Mo Choumil
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