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If you’re considering a reverse mortgage in 2026, don’t miss this update. FHA raised the HECM reverse mortgage loan limit to $1,249,125 for loans with case numbers assigned on or after January 1, 2026. Here’s what that means in plain English: FHA will only use up to $1.249M of your home’s value when calculating your reverse mortgage borrowing amount. This limit is nationwide. Your actual proceeds still depend on: Age of the youngest borrower Current interest rates Home value (up to the limit) An
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