Fairway Independent Mortgage Corporation - Fairway Reverse

09/07/2026

Could a reverse mortgage affect Medicaid eligibility? Potentially.

Medicaid is a means-tested program, and eligibility requirements, including income and asset limits, vary by state. That means funds drawn from a reverse mortgage and held in a borrower’s bank account could potentially affect eligibility.

For example, a homeowner with a HECM line of credit, tenure payments, or term payments may be able to strategically access funds while continuing to qualify for Medicaid, but careful planning is essential. Maintaining proceeds in a bank account could push assets above applicable eligibility limits.

This is different from basic Social Security and Medicare eligibility, which generally isn’t affected simply because someone has access to or receives reverse mortgage proceeds.

The takeaway: If you receive Medicaid or another means-tested government benefit, don't make assumptions. Before taking reverse mortgage proceeds, consult your benefits administrator or other qualified professional to understand how a distribution could affect your eligibility.

A reverse mortgage can provide valuable financial flexibility, but when government benefits are involved, how and when you access your home equity matters.

08/28/2026

For many older adults, there’s no place they’d rather age than home.

In 2026, expanding home-based healthcare services are making that possible in new ways. Some health systems now offer “Hospital at Home” programs that can bring services such as IV therapy, wound care, post-surgical monitoring, and frequent virtual check-ins into the home.

Combined with advances in technology and home care, these options may help more older adults maintain their routines, independence, and connection to the place they know best.

Aging in place isn’t just about staying home. It’s about having more support to live there safely and confidently.

08/26/2026

Consumers deserve clear, straightforward information about how reverse mortgages work.

That’s why we’re proud to be a member of the National Reverse Mortgage Lenders Association (NRMLA), which recently advocated for simpler, more consumer-friendly reverse mortgage disclosures, including clearer explanations of loan terms, borrower responsibilities, costs, loan balance growth, and remaining equity.

At Fairway, we share that commitment to education and transparency. Because better information helps homeowners and their families make more informed decisions about their home equity and retirement.

08/24/2026

Can you lock in an interest rate on a HECM reverse mortgage? Yes, with an important distinction.

With the borrower’s agreement, a lender may lock the HECM’s Expected Rate for up to 120 days once the FHA case number is assigned.

Lock agreements typically include a float-down option. If the Expected Rate is lower at closing, the Principal Limit may be recalculated using that lower rate, which could potentially increase the amount available to the borrower.

Even better: FHA does not permit lenders to charge a fee for the rate lock or float-down option.

If there’s no lock agreement, the applicable Expected Rate and margin are set at closing.

The takeaway: A HECM provides options for managing rate uncertainty during the loan process. Ask your reverse mortgage professional about the rate-lock options available to you.

08/21/2026

Staying active as we age isn't just about exercise. It's about maintaining strength, independence and connection.

From pickleball and walking to swimming, tai chi and tennis, there are plenty of ways to keep moving, and have fun doing it.

Regular activity can support balance, flexibility, heart health and overall well-being, while group activities add the benefit of social connection.

The best activity? One you enjoy enough to keep doing. Just check with your doctor before starting a new exercise or activity program to make sure it's appropriate for you.

So, what keeps you moving?

08/19/2026

Social Security checks may be bigger than they were 10 years ago, but that doesn't necessarily mean they're buying more.

According to a new report from The Senior Citizens League, Social Security benefits lost an estimated 13.7% of their buying power from 2016 to 2026—meaning benefits today are worth roughly 86 cents on the dollar compared to a decade ago.

To restore that lost buying power, TSCL estimates the average beneficiary would need an additional $295.85 per month, or a 15.8% increase in benefits.

It's another reminder of the impact rising costs can have over a long retirement. And why planning for income, expenses, savings and other available assets, including home equity, can be so important.

08/17/2026

While it's true that interest and fees are added to the reverse mortgage loan balance over time as repayment is deferred, that doesn't necessarily mean all of your equity will disappear.

Home appreciation may help offset loan balance growth, and borrowers can choose to make voluntary payments at any time. Those payments can help slow the growth of the loan balance and preserve more equity for future needs or heirs.

Loan projections and amortization tools can also help you see how different borrowing and voluntary payment strategies may affect your equity over time.

And there's an important protection to remember: reverse mortgages are non-recourse loans. When the loan becomes due and the home is sold, neither the borrower nor their heirs will be responsible for paying more than the home's value, even if the loan balance is higher.

08/14/2026

For many homeowners, home equity is one of their largest financial assets—but not everyone realizes they may qualify to access it.

Now, homeowners with properties valued at $300,000 or more may be eligible for additional Fairway Signature proprietary reverse mortgage options, expanding access to solutions that were previously available only on higher-value homes.

When for yourself, a loved one, or someone your care about, it may be worth exploring what's possible.

A quick conversation can help you understand your options.

Learn more: https://fairwayreverse.com/loan-options/jumbo-2/

Fairway Signature Suite of reverse mortgage products are proprietary reverse mortgage products of Longbridge Financial, LLC (NMLS #957935). Minimum borrower age is generally 55 (varies by state). Qualification requirements and state restrictions apply.

08/14/2026

For many homeowners, home equity is one of their largest financial assets—but not everyone realizes they may qualify to access it.

Now, homeowners with properties valued at $300,000 or more may be eligible for additional Fairway Signature proprietary reverse mortgage options, expanding access to solutions that were previously available only on higher-value homes.

When for yourself, a loved one, or someone your care about, it may be worth exploring what's possible.

A quick conversation can help you understand your options.

Fairway Signature Suite of reverse mortgage products are proprietary reverse mortgage products of Longbridge Financial, LLC (NMLS #957935). Minimum borrower age is generally 55 (varies by state). Qualification requirements and state restrictions apply.

08/12/2026

Now Available: Understanding Your HECM Reverse Mortgage – A Guide for Borrowers & Families

Whether you're considering a HECM, already have one, or helping a loved one navigate the process, our new four-part educational series is here to help.

Learn what to expect:
- Before closing
- Throughout the life of the loan
- When the loan becomes due and payable
- What heirs need to know after a borrower passes away

Designed to answer common questions, reduce uncertainty, and help borrowers and families make informed decisions with confidence.

Read the full series today.

Discover the intricacies of the Reverse Mortgage Loan Process. Uncover how homeowners can transform home equity into cash, delve into eligibility criteria, the application steps, required counseling, property appraisal, and homeowner responsibilities. Ideal for those considering alternative financia...