[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fCE0dUiXo0o_VhxTrX9qpdyg8ljlfx4ULfTs_Y7cCYYc":3},{"data":4,"headers":643},{"brand":5,"route":6,"title":7,"seo":8,"components":19,"pageMeta":439,"dataSources":455},"asl","\u002Fcaregivers-guide\u002Ffinancials\u002Fare-reverse-mortgages-a-good-way-to-pay-for-long-term-care","Reverse mortgages: A good way to pay for long-term care?",{"_uid":9,"title":10,"ogType":11,"robots":12,"schema":13,"ogTitle":10,"ogLocale":14,"component":15,"description":16,"twitterCard":17,"ogDescription":16,"geo.position":18,"geo.placename":18,"geo.region":18},"1876b525-8ed5-445b-b134-e80366a466c2","Reverse Mortgages and Senior Care | Atria Senior Living","website","index,follow,max-snippet:-1,max-image-preview:large,max-video-preview:-1","{\n  \"@context\": \"http:\u002F\u002Fschema.org\",\n  \"@type\": \"Article\",\n  \"name\": \"Reverse Mortgages: A Good Way to Pay for Long-Term Care?\",\n  \"headline\": \"Reverse Mortgages: A Good Way to Pay for Long-Term Care?\",\n  \"image\": \"https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F1920x1080\u002F5ed64f9069\u002Freverse-mortgage_16x9.jpg\",\n  \"description\": \"From legal limitations to financial requirements, reverse mortgages come with a lot of questions. Keep reading to find answers.\",\n  \"datePublished\": \"2023-08-25\",\n  \"dateModified\": \"2026-07-08\",\n  \"articleBody\": \"Paying for retirement and long-term care usually involves a combination of savings, Social Security benefits, pensions and other sources of income. At the same time, a home is often an older adult’s largest asset, leaving many to wonder how their home can help them pay for senior care – including using a reverse mortgage. This article will highlight the benefits and drawbacks of using a reverse mortgage to help cover long-term care costs. What is a reverse mortgage? A reverse mortgage is a financial tool that older adult homeowners may leverage to help pay for care. Reverse mortgages tend to work best for older adults who need additional funds for home-based care or living expenses. Only available for homeowners age 62 or older, reverse mortgages allow older adults to tap into a portion of their home equity while at least one homeowner remains in the home. While it’s less common, this type of loan can also play a role in assisted living planning. For example, a reverse mortgage might be an option when one spouse moves into assisted living while the other continues living in the home and uses home equity to help cover care-related expenses. They are often less effective for older adults who expect to move into an assisted living community, memory care community or skilled nursing facility in the near future, since the loan typically becomes due when the borrower permanently leaves the home. Reverse mortgages are complex financial products with long-term implications. Before deciding whether one is right for your situation, it’s important to understand how these loans work, their benefits and drawbacks, and when other financial options may make more sense. How does a reverse mortgage work? As noted above, a reverse mortgage is a type of loan that allows older homeowners to convert part of their home equity into cash. Unlike a traditional mortgage, borrowers generally do not make the required monthly mortgage payments toward the loan balance. Instead, interest accrues over time, and the loan is typically repaid when the borrower sells the home, permanently moves out or passes away. Reverse mortgage proceeds can be received in several ways, depending on the loan type and borrower preference: A lump sum Monthly payments A line of credit A combination of these options When the loan becomes due, heirs may choose to sell the home, refinance the loan or repay the balance and keep the property. Most federally insured reverse mortgages are non-recourse loans, meaning borrowers or heirs generally will not owe more than the home’s value when the loan is repaid. According to the Consumer Financial Protection Bureau, there are three primary types of reverse mortgages: Home equity conversion mortgages (HECMs): The most common type, insured by the Federal Housing Administration (FHA) Proprietary reverse mortgages: Private loans not backed by the federal government Single-purpose reverse mortgages: Loans sometimes offered by state or local government agencies for approved uses, such as home repairs Loan terms, fees and borrowing limits can vary significantly, so it’s important to compare multiple lenders and carefully review the costs before proceeding. Reverse mortgage requirements To qualify for a reverse mortgage, borrowers generally must meet several requirements: At least one homeowner must be age 62 or older. The home must be the borrower’s primary residence. The homeowner must either own the home outright or have a low remaining mortgage balance. The borrower must continue paying property taxes, homeowners’ insurance and applicable HOA fees. The borrower must maintain the property in good condition. The home must meet FHA or lender property standards. The borrower must complete counseling through a HUD-approved reverse mortgage counseling agency. Lenders also conduct a financial assessment to help determine whether the borrower is likely to keep up with ongoing home-related expenses. Benefits of a reverse mortgage for long-term care One of the biggest advantages of a reverse mortgage is that it allows older adults to access home equity while living there. For older adults who choose to access care in their home, these funds can help cover: In-home caregiving Home health care Medical bills Accessibility modifications Specialized medical equipment Other daily living expenses Reverse mortgages can be especially helpful for older adults who have significant home equity but limited monthly cash flow. In some cases, reverse mortgage funds may also help cover temporary care needs after a hospitalization or illness. However, it’s important to understand that reverse mortgages are generally best suited for people who plan to remain in their homes long-term. If a borrower permanently moves into an assisted living community, memory care community or nursing home, the loan will usually become due. Temporary absences from the home are generally allowed. For federally insured HECM loans, borrowers can typically be away from the property for up to 12 consecutive months for medical reasons before the loan may become due. Consumer protections for spouses have also improved in recent years. Certain eligible non-borrowing spouses may be able to remain in the home after the borrowing spouse passes away, provided they meet HUD requirements and continue to meet loan obligations, such as paying taxes and insurance. Drawbacks of a reverse mortgage While reverse mortgages can provide financial flexibility, they also come with costs and risks. Reverse mortgages often include: Origination fees Closing costs Mortgage insurance premiums Interest charges that accumulate over time Because interest accrues throughout the life of the loan, the amount owed can grow substantially, reducing the equity remaining in the home. It’s also important to remember that homeowners remain responsible for: Property taxes Homeowners insurance HOA fees Home maintenance and repairs Failing to meet these obligations can result in default and potentially lead to foreclosure. In addition, reverse mortgages may not align well with every family’s financial goals. If preserving home equity for future housing needs or inheritance purposes is important, carefully consider how a reverse mortgage could affect those plans over time. When a reverse mortgage may not be the best choice A reverse mortgage may not be the right fit in every situation. Other financial strategies may make more sense if: The need for funds is short-term The homeowner plans to move in the near future The home has limited equity The borrower may struggle to maintain the property or keep up with taxes and insurance The older adult is likely to downsize, move in with family or transition to senior living in the near future Because reverse mortgages are designed primarily for homeowners who intend to remain in their homes long term, they may be less practical for people already considering a move to residential senior living. Talk with a professional before making a decision Reverse mortgages can be helpful for older adults who need to access additional financial resources while remaining in their home, but they are not the right solution for everyone. Before taking out a reverse mortgage, consider speaking with: A trusted financial advisor An elder law attorney A HUD-approved reverse mortgage counselor Families exploring how to pay for senior care may also benefit from speaking with ElderLife Financial Services, which helps older adults and caregivers determine whether a reverse mortgage makes sense as part of a care financing plan and connects them with a lender. Carefully reviewing all costs, loan terms and long-term care goals can help families make more informed decisions about how to pay for care. Atria Senior Living offers resources to help older adults and caregivers navigate senior living decisions. Contact your local community to learn more about senior living options and available support resources in your area.\",\n  \"url\": \"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fcaregivers-guide\u002Ffinancials\u002Fare-reverse-mortgages-a-good-way-to-pay-for-long-term-care\"\n}","en_US","seo-fields","Can I use a reverse mortgage to cover senior care? How do they work and what are the risks? Reverse mortgages come with questions; we have answers","summary","",[20,234,239,245,259,275,287,409],{"componentName":21,"props":22},"BrandNavigation",{"facCtaText":23,"keyMarkets":24,"companyLogo":122,"facLocation":129,"brandNavLinks":130,"topOffset":221,"facPlaceholder":222,"companyNavLinks":223,"findCommunityCopy":233},"Search Now",[25,29,32,35,38,41,44,47,50,53,56,59,62,65,68,71,74,77,80,83,86,89,92,95,98,101,104,107,110,113,116,119],{"link":26,"text":27,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-arizona","Arizona","LinkObject",{"link":30,"text":31,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-california","California",{"link":33,"text":34,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-inland-empire-ca","– Inland Empire",{"link":36,"text":37,"component":28},"\u002Fsenior-living-communities\u002Fsenior-living-in-orange-county-ca","– Orange 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Dementia",{"link":216,"text":217,"component":28},"\u002Fcaregivers-guide\u002Fvideo-gallery","Video Gallery",{"link":219,"text":220,"component":28},"\u002Fcaregivers-guide\u002Fwhere-to-begin","Where to Begin",0,"Search by city, state, or zip code",[224,227,230],{"link":225,"text":226,"component":28},"https:\u002F\u002Fexpresspay.alineops.com\u002FAtria\u002FLogin","Pay Online",{"link":228,"text":229,"component":28},"https:\u002F\u002Fatriacareers.com\u002Fcareers\u002F","Careers",{"link":231,"text":232,"component":28},"\u002Fcontact-us","Contact Us","Find a Community",{"componentName":235,"props":236},"ContentHubArticleHero",{"topLine":128,"className":18,"topMargin":128,"bottomLine":128,"topPadding":128,"componentId":18,"bottomMargin":237,"allowMaxWidth":128,"bottomPadding":128,"lastUpdatedCopy":238,"transparentBackground":128,"extraContainerClassName":18},true,"Last Updated",{"componentName":240,"props":241},"ContentHubReviewerAttribution",{"topLine":128,"className":18,"topMargin":128,"bottomLine":128,"topPadding":128,"componentId":18,"contentType":18,"bottomMargin":128,"reviewerCopy":18,"allowMaxWidth":128,"bottomPadding":128,"reviewedByCopy":242,"reviewerCtaLink":243,"reviewerCtaText":244,"transparentBackground":128,"extraContainerClassName":18},"Reviewed by:","https:\u002F\u002Fwww.elderlifefinancial.com\u002F"," the ElderLife Financial editorial staff.",{"componentName":246,"props":247},"ContentHubArticleBody",{"topLine":128,"className":18,"topMargin":128,"bottomLine":128,"topPadding":128,"componentId":18,"bottomMargin":237,"cardLinkText":248,"nextPostCopy":249,"allowMaxWidth":128,"bottomPadding":128,"articleContent":250,"watchVideoCopy":251,"emailSignupCopy":252,"readArticleCopy":248,"nextPostHeaderTag":253,"emailSignUpCtaText":254,"recommendationCopy":255,"transparentBackground":128,"emailSignUpSuccessTitle":256,"extraContainerClassName":18,"recommendationHeaderTag":253,"nextPostHeaderStyleLevel":257,"emailSignUpSuccessMessage":258,"recommendationHeaderStyleLevel":257},"Read the article","Up next","\u003Cp class=\"copy copy--is-font-primary\">Paying for retirement and long-term care usually involves a combination of savings, Social Security benefits, pensions and other sources of income. At the same time, a home is often an older adult’s largest asset, leaving many to wonder how their home can help them pay for senior care – including using a reverse mortgage.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">This article will highlight the benefits and drawbacks of using a reverse mortgage to help cover long-term care costs.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-pb-xsmall\">What is a reverse mortgage?\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-primary\">A reverse mortgage is a financial tool that older adult homeowners may leverage to \u003Ca href=\"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fcaregivers-guide\u002Ffinancials\u002Fthe-financial-reality-of-care-for-seniors\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">help pay for care\u003C\u002Fa>. \u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Reverse mortgages tend to work best for older adults who need additional funds for home-based care or living expenses. Only available for homeowners age 62 or older, reverse mortgages allow older adults to tap into a portion of their home equity while at least one homeowner remains in the home. \u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">While it’s less common, this type of loan can also play a role in assisted living planning. For example, a reverse mortgage might be an option when one spouse moves into assisted living while the other continues living in the home and uses home equity to help cover care-related expenses. They are often less effective for older adults who expect to move into an assisted living community, memory care community or skilled nursing facility in the near future, since the loan typically becomes due when the borrower permanently leaves the home. \u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Reverse mortgages are complex financial products with long-term implications. Before deciding whether one is right for your situation, it’s important to understand how these loans work, their benefits and drawbacks, and when other financial options may make more sense.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-pb-xsmall\">How does a reverse mortgage work?\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-primary\">As noted above, a reverse mortgage is \u003Ca href=\"https:\u002F\u002Fwww.consumerfinance.gov\u002Fconsumer-tools\u002Freverse-mortgages\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">a type of loan that allows older homeowners\u003C\u002Fa> to convert part of their home equity into cash.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Unlike a traditional mortgage, borrowers generally do not make the required monthly mortgage payments toward the loan balance. Instead, interest accrues over time, and the loan is typically repaid when the borrower sells the home, permanently moves out or passes away.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Reverse mortgage proceeds can be received in several ways, depending on the loan type and borrower preference:\u003C\u002Fp>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-primary\">A lump sum\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Monthly payments\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">A line of credit\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">A combination of these options\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">When the loan becomes due, heirs may choose to sell the home, refinance the loan or repay the balance and keep the property. Most federally insured reverse mortgages are non-recourse loans, meaning borrowers or heirs generally will not owe more than the home’s value when the loan is repaid.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">According to the Consumer Financial Protection Bureau, there are \u003Ca href=\"https:\u002F\u002Fwww.consumerfinance.gov\u002Fask-cfpb\u002Fare-there-different-types-of-reverse-mortgages-en-226\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">three primary types of reverse mortgages\u003C\u002Fa>:\u003C\u002Fp>\n\u003Col class=\"number-list\">\n\u003Cli class=\"copy copy--is-font-primary\">Home equity conversion mortgages (HECMs): The most common type, insured by the Federal Housing Administration (FHA)\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Proprietary reverse mortgages: Private loans not backed by the federal government\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Single-purpose reverse mortgages: Loans sometimes offered by state or local government agencies for approved uses, such as home repairs\u003C\u002Fli>\u003C\u002Fol>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Loan terms, fees and borrowing limits can vary significantly, so it’s important to compare multiple lenders and carefully review the costs before proceeding.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-pb-xsmall\">Reverse mortgage requirements\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-primary\">To qualify for a reverse mortgage, borrowers generally must meet several requirements:\u003C\u002Fp>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-primary\">At least one homeowner must be age 62 or older.\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The home must be the borrower’s primary residence.\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The homeowner must either own the home outright or have a low remaining mortgage balance.\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The borrower must continue paying property taxes, homeowners’ insurance and applicable HOA fees.\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The borrower must maintain the property in good condition.\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The home must meet FHA or lender property standards.\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The borrower must complete \u003Ca href=\"https:\u002F\u002Fwww.hudexchange.info\u002Fprograms\u002Fhousing-counseling\u002Fhecm\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">counseling through a HUD-approved reverse mortgage counseling agency\u003C\u002Fa>.\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Lenders also conduct a financial assessment to help determine whether the borrower is likely to keep up with ongoing home-related expenses.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-pb-xsmall\">Benefits of a reverse mortgage for long-term care\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-primary\">One of the biggest advantages of a reverse mortgage is that it allows older adults to access home equity while living there. For older adults who choose to access care in their home, these funds can help cover:\u003C\u002Fp>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-primary\">In-home caregiving\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Home health care\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Medical bills\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Accessibility modifications\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Specialized medical equipment\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Other daily living expenses\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Reverse mortgages can be especially helpful for older adults who have significant home equity but limited monthly cash flow.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">In some cases, reverse mortgage funds may also help cover temporary care needs after a hospitalization or illness. However, it’s important to understand that reverse mortgages are generally best suited for people who plan to remain in their homes long-term. If a borrower permanently moves into an assisted living community, memory care community or nursing home, the loan will usually become due.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Temporary absences from the home are generally allowed. For federally insured HECM loans, borrowers can typically be away from the property for up to \u003Ca href=\"https:\u002F\u002Fwww.consumerfinance.gov\u002Fask-cfpb\u002Fwhat-happens-if-i-have-to-move-out-of-my-home-into-a-nursing-home-or-assisted-living-and-i-have-a-reverse-mortgage-en-243\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">12 consecutive months\u003C\u002Fa> for medical reasons before the loan may become due.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Consumer protections for spouses have also improved in recent years. Certain eligible non-borrowing spouses may be able to remain in the home after the borrowing spouse passes away, provided they meet HUD requirements and continue to meet loan obligations, such as paying taxes and insurance.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-pb-xsmall\">Drawbacks of a reverse mortgage\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-primary\">While reverse mortgages can provide financial flexibility, they also come with costs and risks. Reverse mortgages often include:\u003C\u002Fp>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-primary\">Origination fees\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Closing costs\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Mortgage insurance premiums\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Interest charges that accumulate over time\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Because interest accrues throughout the life of the loan, the amount owed can grow substantially, reducing the equity remaining in the home.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">It’s also important to remember that homeowners remain responsible for:\u003C\u002Fp>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-primary\">Property taxes\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Homeowners insurance\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">HOA fees\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">Home maintenance and repairs\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Failing to meet these obligations can result in default and potentially lead to foreclosure.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">In addition, reverse mortgages may not align well with every family’s financial goals. If preserving home equity for future housing needs or inheritance purposes is important, carefully consider how a reverse mortgage could affect those plans over time.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-pb-xsmall\">When a reverse mortgage may not be the best choice\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-primary\">A reverse mortgage may not be the right fit in every situation. Other financial strategies may make more sense if:\u003C\u002Fp>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-primary\">The need for funds is short-term\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The homeowner plans to move in the near future\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The home has limited equity\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The borrower may struggle to maintain the property or keep up with taxes and insurance\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">The older adult is likely to downsize, move in with family or transition to senior living in the near future\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Because reverse mortgages are designed primarily for homeowners who intend to remain in their homes long term, they may be less practical for people already considering a move to residential senior living.\u003C\u002Fp>\n\u003Cbr>\u003Cbr>\n\u003Ch2 class=\"heading heading--is-level-2 spacing--is-pb-xsmall\">Talk with a professional before making a decision\u003C\u002Fh2>\n\u003Cp class=\"copy copy--is-font-primary\">Reverse mortgages can be helpful for older adults who need to access additional financial resources while remaining in their home, but they are not the right solution for everyone.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Before taking out a reverse mortgage, consider speaking with:\u003C\u002Fp>\n\u003Cul class=\"bullet-list\">\n\u003Cli class=\"copy copy--is-font-primary\">A trusted financial advisor\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">An elder law attorney\u003C\u002Fli>\n\u003Cli class=\"copy copy--is-font-primary\">A HUD-approved reverse mortgage counselor\u003C\u002Fli>\u003C\u002Ful>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Families exploring how to pay for senior care may also benefit from \u003Ca href=\"https:\u002F\u002Fwww.elderlifefinancial.com\u002Freverse-mortgages\u002F\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">speaking with ElderLife Financial Services\u003C\u002Fa>, which helps older adults and caregivers determine whether a reverse mortgage makes sense as part of a care financing plan and connects them with a lender.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Carefully reviewing all costs, loan terms and long-term care goals can help families make more informed decisions about how to pay for care.\u003C\u002Fp>\n\u003Cbr>\n\u003Cp class=\"copy copy--is-font-primary\">Atria Senior Living offers resources to help older adults and caregivers navigate senior living decisions. Contact \u003Ca href=\"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fretirement-communities?location\" class=\"link has-text-asl-content-hub-financials\" target=\"_blank\" rel=\"noopener\">your local community\u003C\u002Fa> to learn more about senior living options and available support resources in your area.\u003C\u002Fp>","Watch the video","Want to learn more about life at Atria Senior Living?","h2","Sign Up","You might also like","Thank you for subscribing!","4","You'll receive an email shortly. You can unsubscribe anytime.",{"componentName":260,"props":261},"ImageCopyBlock",{"copy":18,"image":262,"ctaLink":219,"ctaText":268,"topLine":128,"ctaColor":269,"htmlCopy":270,"className":18,"isFlipped":237,"mainTitle":271,"textColor":272,"bottomLine":128,"supertitle":18,"topPadding":237,"componentId":18,"bottomMargin":128,"mainTitleTag":253,"showAslCurve":128,"allowMaxWidth":128,"bottomPadding":237,"isDarkModeCta":128,"backgroundColor":273,"mainTitleStyleLevel":274,"extraContainerClassName":18},{"id":263,"alt":264,"name":18,"focus":18,"title":18,"source":265,"filename":266,"copyright":18,"fieldtype":126,"meta_data":267,"is_external_url":128,"description":18},1010320,"illustration of three people gardening together","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F2560x1919\u002F56d81878a0\u002Fatria_4_updated-scaled.webp","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F2560x1919\u002F56d81878a0\u002Fatria_4_updated-scaled.webp",{"alt":264,"title":18,"source":18,"copyright":18},"Start Your Journey","utility","\u003Cp class=\"copy copy--is-font-primary spacing spacing--is-pb-small\">There’s a lot to learn when you become a caregiver, and you may be wondering where to start. Fortunately, many of the experiences you’ll encounter are common, and we've pulled together resources to help you along your journey.\u003C\u002Fp>","Not sure where to start?","primary","greyscale-lightest","3",{"componentName":276,"props":277},"ContentHubArticleCardList",{"posts":278,"title":18,"isSmall":237,"topLine":128,"category":18,"listType":283,"titleTag":284,"className":18,"bottomLine":128,"topPadding":237,"componentId":18,"signUpTitle":18,"specialCard":285,"bottomMargin":237,"facCardTitle":18,"allowMaxWidth":128,"bottomPadding":128,"signUpCtaText":18,"enableLoadMore":128,"facCardCtaLink":18,"facCardCtaText":18,"watchVideoCopy":251,"loadMoreCtaText":18,"readArticleCopy":248,"titleStyleLevel":257,"visiblePosts":286,"signUpThankYouTitle":18,"signUpThankYouMessage":18,"extraContainerClassName":18},[279,280,281,282],"6d6a0ffa-b60a-4dfe-8663-4114e220c206","9412e48c-022e-4b28-a954-c4f60a69aa48","2faf53be-922a-453e-ad5a-3857d3678792","c3d1293f-c852-43f5-9bf7-44b55b1c6b27","selected","h4","none",4,{"componentName":288,"props":289},"AslSiteMapFooter",{"image":290,"newTab":128,"socials":296,"topLine":128,"className":18,"linkLists":310,"bottomLine":128,"mapCtaLink":408,"topPadding":128,"componentId":18,"bottomMargin":237,"allowMaxWidth":128,"bottomPadding":128,"extraContainerClassName":18},{"id":291,"alt":292,"name":18,"focus":18,"title":18,"source":293,"filename":294,"copyright":18,"fieldtype":126,"meta_data":295,"is_external_url":128,"description":18},149290117158795,"Map 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green.","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F322x202\u002Fa83c8f9618\u002Faslmap_0226.svg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F322x202\u002Fa83c8f9618\u002Faslmap_0226.svg",{"alt":292,"title":18,"source":18,"copyright":18},[297,302,306],{"icon":298,"link":299,"label":300,"component":301},"facebookAlt","https:\u002F\u002Fwww.facebook.com\u002FAtriaSeniorLiving\u002F","Facebook","SocialIconLink",{"icon":303,"link":304,"label":305,"component":301},"instagram","https:\u002F\u002Fwww.instagram.com\u002Fatriaseniorliving\u002F","Instagram",{"icon":307,"link":308,"label":309,"component":301},"youtube","https:\u002F\u002Fwww.youtube.com\u002F@AtriaSeniorLivingCommunities","YouTube",[311,322,328,335,348,365,371],{"link":18,"text":133,"column":312,"children":313,"component":321},"1",[314,315,316,317,318,319,320],{"link":136,"text":137,"component":28},{"link":139,"text":140,"component":28},{"link":142,"text":143,"component":28},{"link":145,"text":146,"component":28},{"link":148,"text":149,"component":28},{"link":151,"text":152,"component":28},{"link":154,"text":155,"component":28},"FooterLinkListObject",{"link":18,"text":159,"column":312,"children":323,"component":321},[324,325,326,327],{"link":162,"text":163,"component":28},{"link":165,"text":166,"component":28},{"link":168,"text":169,"component":28},{"link":171,"text":172,"component":28},{"link":18,"text":175,"column":312,"children":329,"component":321},[330,331,332,333,334],{"link":178,"text":179,"component":28},{"link":181,"text":182,"component":28},{"link":184,"text":185,"component":28},{"link":187,"text":188,"component":28},{"link":190,"text":191,"component":28},{"link":18,"text":194,"column":336,"children":337,"component":321},"2",[338,339,340,341,342,343,344,346,347],{"link":193,"text":194,"component":28},{"link":198,"text":199,"component":28},{"link":201,"text":202,"component":28},{"link":204,"text":205,"component":28},{"link":207,"text":208,"component":28},{"link":210,"text":211,"component":28},{"link":213,"text":345,"component":28},"Alzheimer's 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Senior Living","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F282x150\u002Faa46645c79\u002Fasl-stacked-logo_white.svg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F282x150\u002Faa46645c79\u002Fasl-stacked-logo_white.svg",{"alt":414,"title":18,"source":18,"copyright":18},[419,422,425,428,431,434],{"link":420,"text":421,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fterms-of-use","Terms of Use",{"link":423,"text":424,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fprivacy-policy","Privacy Policy",{"link":426,"text":427,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Fatria-consumer-health-data-privacy-policy","Consumer Health Data Privacy Policy",{"link":429,"text":430,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Funsubscribe","Unsubscribe",{"link":432,"text":433,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Faccessibility","Accessibility",{"link":435,"text":436,"component":28},"https:\u002F\u002Fwww.atriaseniorliving.com\u002Faccommodations","Accommodations","If you are vision-impaired or have another impairment and you wish to discuss potential accommodations related to using this website, please contact us at ","accessibility@atriaseniorliving.com",{"blurb":440,"title":441,"category":442,"thumbnail":443,"displayDate":449,"pageSubtype":450,"youTubeVideoId":18,"lastUpdatedDate":452,"timeToReadInMinutes":453,"storyblokUUID":454},"From legal limitations to financial requirements, reverse mortgages come with a lot of questions. Keep reading to find answers.","Reverse Mortgages: A Good Way to Pay for Long-Term Care?","financials",{"id":444,"alt":445,"name":18,"focus":18,"title":18,"source":446,"filename":447,"copyright":18,"fieldtype":126,"meta_data":448,"is_external_url":128,"description":18},195994009698065,"An older couple wearing glasses sits at a table, reviewing documents together while a candle burns in the background.","https:\u002F\u002Fik.imagekit.io\u002Fzcfjs0rmjr\u002Ff\u002F1018269\u002F1920x1080\u002F5ed64f9069\u002Freverse-mortgage_16x9.jpg","https:\u002F\u002Fa-us.storyblok.com\u002Ff\u002F1018269\u002F1920x1080\u002F5ed64f9069\u002Freverse-mortgage_16x9.jpg",{"alt":445,"title":18,"source":18,"copyright":18},"2023-08-25 15:58",[451],"content-hub","2026-07-08 04:00","6 min read","36c745cc-8d4c-4513-8be7-7ef5b849d4a9",[456,461,465,469,473,477,481,485,489,493,497,501,505,509,513,517,521,525,529,533,537,541,545,549,553,557,561,565,568,572,576,579,583,586,590,594,598,601,605,609,612,616,619,623,627,631,635,639],{"id":457,"name":458,"value":459,"dimension_value":460},240691,"pricingCopy","Pricing starts at",null,{"id":462,"name":463,"value":464,"dimension_value":460},240695,"quickLookSigBlurb","Atria’s Signature Collection offers a refined senior living experience. 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",{"id":470,"name":471,"value":472,"dimension_value":460},240701,"quickLookCtaLocation","#ScheduleMyTour",{"id":474,"name":475,"value":476,"dimension_value":460},240702,"quickLookNoPriceCopy","Ask about availability",{"id":478,"name":479,"value":480,"dimension_value":460},240703,"quickLookApartmentsTitle","Senior Apartments Availability and Pricing",{"id":482,"name":483,"value":484,"dimension_value":460},240704,"quickLookAmenitiesTitle","Amenities",{"id":486,"name":487,"value":488,"dimension_value":460},240705,"quickLookAmenitiesCopy","From dining venues to the library, discover a variety of amenities on-site.",{"id":490,"name":491,"value":492,"dimension_value":460},240706,"quickLookServicesTitle","Services",{"id":494,"name":495,"value":496,"dimension_value":460},240707,"quickLookServicesCopy","Live fully with 24-hour assistance and convenient services.",{"id":498,"name":499,"value":500,"dimension_value":460},240708,"quickLookApartmentsCopy","Browse floor plans to find your perfect 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