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Home Equity

As HEI regulations expand, states debate loan classification

Home Equity, HWmember, Illinois, Maine, Mayer Brown, Mortgage, Regulatory, Regulatory Compliance, Reverse /

As states take varying approaches to regulating home equity investment (HEI) products, the industry faces an increasingly fragmented legal landscape shaped by consumer protection concerns and uncertainty over whether the products should be treated as mortgage loans. Under an HEI, homeowners receive upfront cash in exchange for a share of the home’s future value, typically […]

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As retirement costs surge, more homeowners turn to their equity

Affordability, Gen X, Home Equity, HWmember, Inflation, Mortgage, Retirement, Reverse, Reverse Mortgage Daily /

Americans may need roughly $2.57 million to retire comfortably by 2043, up sharply from the $1.75 million projected for 2033, according to a 2025 Goldman Sachs retirement survey. The increase reflects years of inflation that have driven up the costs of housing, health care and daily expenses. Households headed by someone 65 or older now

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Illinois creates regulatory framework for home equity investments

Consumer Protection, Home Equity, HWmember, Illinois, Mortgage, Regulatory Compliance, Reverse /

Regulators in Illinois have approved what a group of home equity investment (HEI) providers calls the most comprehensive state regulatory framework to date for shared equity products, a fast-growing alternative to traditional home equity loans and reverse mortgages. The rule was adopted under the Illinois Department of Financial and Professional Regulation (IDFPR)’s mortgage licensing regulations.

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Retirees counting on home equity may face financial shortfalls

Aging in Place, Baby Boomer, Gen X, Home Equity, HWmember, Mortgage, New York Times, Retirement, Reverse, Reverse Mortgage Daily /

For generations, homeownership has been one of the primary ways Americans built wealth and passed it on to loved ones. Now, financial advisers and housing experts warn that many older homeowners may be counting too heavily on their homes as retirement safety nets as they discover their properties sell for less than expected, according to

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Reverse Mastermind Summit kicks off with practical advice, choice words

HECM, HighTechLending, Home Equity, HWmember, Marketing, Mortgage, NEXA Lending, Retirement, Reverse, Reverse Mortgage Daily /

Reverse mortgage professionals converged in Knoxville, Tennessee, this week for the inaugural Reverse Mastermind Summit — a three-day event designed to bolster the sales skills of industry newcomers by surrounding them with knowledge from industry veterans. The event opened Tuesday with remarks from three leaders behind the event — Loren Riddick of NEXA Lending, Shannon

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Smart home technology continues to emerge as key tool for aging in place

Aging in Place, Artificial Intelligence, Baby Boomer, Gen X, Home Equity, HWmember, Mortgage, Retirement, Reverse /

A rapidly aging U.S. population is accelerating demand for smart home technology that allows older adults to remain in their homes longer. Financing options, including the tapping of home equity, are emerging to help pay for it. Roughly 11,000 Americans turn 65 each day and about one in four U.S. residents is now at least

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Home equity emerges as a generational growth strategy for originators

Debt, Deephaven Mortgage, HELOC, Home Equity, Home equity loans, Home Improvement, Mortgage, Sponsored /

With refinance activity constrained and purchase volume under pressure, lenders are being forced to rethink their sustainable growth plans. The answer is becoming clear: home equity. As millions of homeowners remain locked into low mortgage rates, they are turning to second liens and mortgages to access equity without disrupting their primary loan. Tom Davis, Chief

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SoFi rolls out end-to-end digital HELOC experience, advisory council

HELOC, Home Equity, HWmember, LendingLife, Mortgage, Origination, Refinancing, SoFi /

SoFi Technologies this week unveiled a new fully digital home equity line of credit (HELOC) experience, expanding its push into mortgages as more homeowners choose to tap equity rather than move. The company said the new HELOC offering will allow members to access home equity through an end-to-end digital process within the SoFi platform, with

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How Atlantic Avenue became the top reverse mortgage broker

HECM, Home Equity, HWmember, LendingLife, Mortgage, Mortgage Broker, Reverse, Reverse Mortgage Daily /

Florida-based Atlantic Avenue Mortgage became the top reverse brokerage firm in the U.S. in 2025, less than four years after its founding, and it sees more room for growth in 2026.  “We just had our best month ever. We’ve done over $90 million in loan volume in Q1. We expect to certainly be at the

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Maine enacts first state law to regulate home equity investments

Home Equity, HWmember, Legislation, Maine, Mortgage, National Consumer Law Center, Reverse /

Maine Gov. Janet Mills this week signed LD 1901, making Maine the first state to enact comprehensive consumer protections for home equity investments (HEIs), which the new law defines as “shared appreciation mortgage loans.” The bill, titled “An Act to Regulate Shared Appreciation Agreements Relating to Residential Property,” establishes guardrails around a growing class of

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