Following are the HECM eligibility requirements:

  • 62 Years Old and Over
  • Minimal income or credit qualifying restrictions (only that residual income requirement is met)
  • Own and live in your own home
  • The home must be a borrower’s primary residence
  • The property must be a single family or a two-to-four dwelling unit
  • Town homes, detached homes, manufactured homes, planned unit developments (PUD’s) and some condominium units, are eligible
  • The home must meet HUD minimum property standards as determined by an FHA appraisal. In some cases, home repairs can be made after the closing of the loan

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