There is safety for seniors that have been put in place by the government to protect their homes and livelihood.


There are several safeguards that have been put in place to protect seniors from predatory lending practices. The first item is a required (mandated) third-party counseling session must occur with an independent HUD-approved counselor before an reverse mortgage loan application can be taken.  You can talk to and discuss if a reverse mortgage loan makes sense, but a loan application cannot be taken until the 3rd party counseling has been completed and a counseling certificate has been issued.

It’s Easy To Find Peace Of Mind

Are Social Security Benefits Affected?

A reverse mortgage typically does not impact Social Security or Medicare but can impact SSI and Medicaid.

You need to consult with a Medicare &/or Social Security Benefits expert.

Taxed or Tax-Free Income

Proceeds from a reverse are not considered income, it is tax-free.  We suggest you consult a CPA for any tax questions.


If you want a lender that specializes in Reverse Mortgage loans, the Ben Gerritsen team is the reverse mortgage lender specialist to work with.

Mortgage Miracles Happen specializes in arranging Reverse Mortgage loans for seniors.

We are a Reverse Mortgage Loan lender specialist in Arizona, Colorado, Florida, Utah & Texas.

Disclaimer: “These materials are not from HUD or FHA and were not approved by HUD or a government agency.” (ML 2014-10).

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