What Is a Reverse Mortgage Loan? The FHA insured reverse mortgage loan started around 1987, when Congress passed the FHA insurance bill called the Home Equity Conversion Mortgage (HECM) The FHA insured reverse mortgage loan is a cash out refinance for senior homeowners 62 and older that allows them to take a loan against a portion of the equity in their home. Proceeds from the FHA insured reverse mortgage loan are tax free, with absolutely no payments to be made while the home is your primary residence. If you would like to learn more about the FHA insured reverse mortgage loan, call Cornerstone Reverse Mortgage, LLC located in Linwood, NJ for a free consultation...

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