Education & Resources

Straight talk on reverse mortgages.
No jargon. No pressure.

Plain-English guides from David Rider, CRMP, Arizona's reverse mortgage specialist, in real estate since 1985 and mortgages since 2002.

Getting Started
June 2026 · 8 min read
How a Reverse Mortgage Works: A Plain-English Guide
Your home built equity for 30 years. Here's exactly how a reverse mortgage converts that equity into retirement income, with no monthly mortgage payments required.
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Myth vs. Fact
June 2026 · 10 min read
7 Reverse Mortgage Myths, And What's Actually True
The bank doesn't take your house. Your kids can still inherit. You don't have to be broke to qualify. Let's separate the myths from the facts.
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Product Comparison
June 2026 · 7 min read
HECM vs. HELOC: Which Makes Sense for Seniors Over 62?
Both tap home equity. But a HELOC requires monthly payments and can be frozen by your bank. A HECM line of credit can't. Here's the side-by-side comparison.
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HECM for Purchase
June 2026 · 8 min read
HECM for Purchase: Buy Your Retirement Home Without a Monthly Payment
Most people have never heard of this program. It lets seniors buy a new home using a reverse mortgage, so you keep more cash in retirement and eliminate the monthly payment.
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Honest Assessment
June 2026 · 9 min read
Reverse Mortgage Pros and Cons: An Honest Look
A reverse mortgage isn't right for everyone. Here's a candid, no-spin breakdown of the genuine benefits and the real limitations, so you can make the right call for your situation.
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Arizona Guide
June 2026 · 7 min read
Arizona Reverse Mortgage Guide: What Phoenix-Area Seniors Need to Know
Arizona's home values, tax environment, and HUD counseling requirements all factor into how a reverse mortgage works here. A local guide from a Mesa-based specialist.
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For Advisors
June 2026 · 10 min read
A Financial Advisor's Guide to Reverse Mortgages in Retirement Planning
Wade Pfau's research shows a coordinated HECM strategy raises portfolio survival probability from 68% to 93%. Here's how to think about home equity as a retirement asset class.
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Product Deep Dive
June 2026 · 6 min read
The HomeSafe Second: Keep Your Low Mortgage Rate and Still Access Your Equity
Locked into a 3% mortgage from 2021? The HomeSafe Second lets you access your home equity without touching your first mortgage, no monthly payments required.
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AZ · Market Trends
July 2026 · 7 min read
Why the Next Housing Boom Belongs to Arizona's Seniors
Harvard's 2026 housing report shows 71 million Americans will be 65+ by 2030. Here's what that means for Arizona homeowners in Mesa, Scottsdale, and Sun City.
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AZ · Home Equity
July 2026 · 8 min read
Your Arizona Home May Be Worth More Than You Think
American homeowners hold $34 trillion in home equity nationally. Here's what that means for longtime Mesa, Scottsdale, and Sun City homeowners.
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AZ · Aging in Place
July 2026 · 7 min read
Aging in Place Is the Norm in Arizona, Not the Exception
78.6% of Americans 65+ own their homes. In Arizona's Sun City and PebbleCreek communities, staying put is the plan for most homeowners.
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AZ · Retirement Income
July 2026 · 8 min read
When Your Arizona Income Is Fixed but Your Costs Aren't
Property taxes and insurance are rising across the Valley. Here's how Arizona homeowners 62+ are using home equity to close the gap.
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AZ · Home Modifications
July 2026 · 7 min read
The Quiet Boom in Home Modifications for Aging in Place in Arizona
Grab bars, walk-in showers, and wider doorways are now standard remodeling requests. Here's how Arizona homeowners fund them without draining savings.
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CA · Market Trends
July 2026 · 7 min read
Why the Next Housing Boom Belongs to California's Seniors
California leads the nation in reverse mortgage volume. Here's what Harvard's 2026 housing report means for Newport Beach, Pacific Palisades, and La Jolla homeowners.
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