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Tag: HECM

1 article tagged “HECM”
Mortgage

Servicing a Reverse Mortgage Is Not Servicing a Forward Loan in Reverse: Occupancy Certifications, Property-Charge Defaults, and Where an AI Agent Helps a HECM Borrower Stay in the Home

A HECM borrower makes no monthly payment, so the events that put the loan in default are different: an unsigned occupancy certification, an unpaid property-tax bill, a borrower who moved to assisted living. HUD's rules in 24 CFR Part 206 and Handbook 4000.1 govern all of it, and the borrower is usually a senior. Where an AI servicing agent runs the certification and property-charge workflows, and why the due-and-payable call never belongs to the agent.

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