The U.S. Department of Labor has proposed a rule that would make it easier for retirement plan sponsors to include alternative investments — such as private equity, private credit, real estate and cryptocurrency — in workers’ 401(k) plans while reducing regulatory burdens and the threat of lawsuits. The rule aims to carry out goals that […]
Labor department rule would ease path for riskier 401(k) investments Read More »
Policy uncertainty is pushing older Americans to delay retirement, shift to conservative investments and boost their emergency savings, according to a new survey. The findings published last week by the Center for Retirement Research at Boston College show 21% of respondents who’ve yet to retire are postponing retirement while 33% are moving to safer portfolios.
Policy turmoil, fiscal uncertainty cause retirement hesitation Read More »
Shain Urwin sees a more balanced relationship emerging between reverse mortgage lenders and brokers under new industry agreements — but he says they’re not enough to solve a deeper structural problem. In recent years, lenders like Mutual of Omaha Mortgage and Longbridge Financial have launched programs designed to protect the loan pipelines of broker partners,
C2 Financial’s Urwin on reverse mortgage broker-lender evolution Read More »
A Florida appeals court has ruled that funds available but not yet withdrawn from a reverse mortgage line of credit are protected under the state’s homestead exemption and cannot be garnished. The March 25 decision by the Fourth District Court of Appeal found that a creditor could not force a homeowner to access unused funds
Florida court shields unused reverse mortgage credit from garnishment Read More »
With the Social Security trust fund less than seven years from insolvency — at which point a 24% across-the-board benefit cut could be triggered — a new proposal suggests capping annual payouts for the nation’s wealthiest retirees. A white paper released by the Committee for a Responsible Federal Budget advocates for a “six-figure limit” that
‘Six-figure limit’ aims to halt Social Security trust fund insolvency Read More »
Rising costs of living and debt are pushing many Americans to rethink retirement as a flexible, phased transition, with 72% now expecting to retire on their own terms, according to Fidelity Investments’ 2026 State of Retirement Planning Study. The study, released last week and conducted annually since 2019, finds the majority of Americans are considering
Fidelity study shows delayed retirement amid inflation Read More »
Growing uncertainty over Social Security, Medicare and fiscal policy has left many older Americans more concerned about their financial futures — with some delaying retirement and shifting to more conservative investment strategies. Findings from a new survey analysis by the Center for Retirement Research at Boston College offer critical insights for reverse mortgage professionals as
How policy uncertainty is reshaping senior retirement plans Read More »
Following in the footsteps of an initial dataset for 2025, Reverse Market Insight (RMI) and HECMWorld published updated numbers this week for reverse mortgage broker and third-party originator activity. While the top Home Equity Conversion Mortgage (HECM) originators for January 2026 did not vary from 2025 as a whole, they offer insight into which companies
Atlantic Avenue Mortgage leads HECM broker endorsement activity in January Read More »
Older Americans now hold as much real estate wealth as middle-aged homeowners, illustrating the widening gaps in homeownership access and long-term home price gains. An analysis from Redfin, based on data from the Federal Reserve Board, found that Americans ages 70 and older controlled roughly 26% of the nation’s $48 trillion in real estate wealth
Older Americans maintain record share of housing wealth Read More »
Finance of America (FOA) has expanded access to its HomeSafe Second product into Indiana, Ohio and Michigan, giving senior homeowners more options for tapping record levels of home equity without giving up their low post-pandemic mortgage rates, the company announced Tuesday. Reintroduced in 2023 as what the company called the industry’s first second-lien reverse mortgage,
Finance of America expands HomeSafe Second reverse mortgage to three more states Read More »