Reverse Mortgage & HECM Closing Service

A reverse mortgage signing is longer and more document-heavy than a standard refinance, and it usually happens at a senior borrower's home. The package includes HUD disclosures, the loan agreement with the elected payment plan, the amortization schedule, the counseling certificate, and non-recourse acknowledgments. Our closers have handled HECM packages before, so they know the stack and can walk an older borrower through it patiently.

Most HECM signings take 60 to 90 minutes. The time comes from the disclosure volume and from giving a senior borrower room to read and ask questions, not from anything unusual about the notarization itself.

If both spouses are borrowers on the loan, both sign. If one spouse is a non-borrowing spouse, the documents will reflect that, and our closer works from the names and roles on the package so the right people sign in the right capacity.

A standard HECM closing carries a three-business-day right of rescission. The borrower can cancel within those three days, and no funds disburse until the window closes. Saturdays count toward the three days; Sundays and federal holidays do not. A HECM for Purchase has no rescission period. Our closers date the rescission notice correctly, because a mistake there delays funding.

Yes. Reverse mortgage signings usually happen at the borrower's home, often at the kitchen table. We send a closer to the borrower rather than asking a senior borrower to travel, and we return same-day scan-backs so the lender's timeline holds.