"Improve your quality of life without leaving the home you love. A reverse mortgage turns your equity into active retirement capital." — Michael Durr
For 2026, the FHA has officially increased the maximum claim amount to $1,249,125. Homeowners in the Kingwood and Houston area with higher-value properties can now access a significantly larger portion of their equity compared to previous years.
Unlike a traditional HELOC, the unused portion of a Reverse Mortgage Line of Credit actually grows over time at the same rate as the loan balance. It serves as a powerful "Standby Emergency Fund" that becomes more valuable the longer you leave it untouched.
Many seniors utilize proceeds for "Aging in Place" renovations—such as walk-in tubs, ramps, or smart-home safety features. This allows you to maintain independence in your own home while covering the costs tax-free.
FACT: You keep the title and remain the owner of the home. The bank simply holds a lien, exactly like a traditional forward mortgage. You have full control over the property.
FACT: Reverse mortgages are non-recourse loans. If the home sells for less than the loan balance, FHA insurance covers the difference. Heirs are never personally liable for the debt.
FACT: There are no monthly principal or interest payments. You can stay in the home as long as you meet the primary residency and maintenance requirements listed below.
The home must remain your principal residence where you spend the majority of the year.
Borrowers are responsible for staying current on all property taxes and homeowners insurance premiums.
The property must be maintained in reasonable condition according to FHA guidelines.
Are you 62 years of age or older?
Do you plan to stay in this home for 5+ years?
Do you have at least 50% equity in the home?
Do you want to stop making monthly payments?
If you answered YES to most of these, a strategy session with Mike is your next logical step.
Book Strategy SessionOur 2026 algorithm utilizes current HUD Principal Limit Factors and the new $1.249M lending limit to provide a realistic estimation of your available retirement capital.
Total Loan Limit
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Year 1 Access (60%)
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