{"id":62621,"date":"2026-04-04T03:05:50","date_gmt":"2026-04-04T01:05:50","guid":{"rendered":"https:\/\/housesmarketplace.trio-tv.com\/nrmla-webinar-to-cover-reverse-servicing-and-maturity-events\/"},"modified":"2026-04-04T03:05:50","modified_gmt":"2026-04-04T01:05:50","slug":"nrmla-webinar-to-cover-reverse-servicing-and-maturity-events","status":"publish","type":"post","link":"https:\/\/housesmarketplace.trio-tv.com\/ru\/nrmla-webinar-to-cover-reverse-servicing-and-maturity-events\/","title":{"rendered":"NRMLA webinar to cover reverse servicing and maturity events"},"content":{"rendered":"
\n

An upcoming industry webinar hosted by the \u041d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0430\u044f \u0430\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u043e\u0432 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0439 \u0438\u043f\u043e\u0442\u0435\u043a\u0438<\/a><\/strong>\u00a0(NRMLA)\u00a0aims to demystify what happens to a reverse mortgage long after closing, serving as an educational component for loan officers and the seniors they serve.<\/p>\n

The April 9 \u0432\u0435\u0431\u0438\u043d\u0430\u0440<\/a>, \u201cFrom Boarding to Maturity: Understanding Reverse Mortgage Servicing Requirements,\u201d will walk loan officers through the life of a reverse mortgage from the moment it boards into servicing until the loan becomes due and payable, said Gail Balettie, senior vice president of client satisfaction for \u0421\u0435\u043b\u0438\u043d\u043a<\/a><\/strong> and one of the webinar\u2019s featured speakers.<\/p>\n

Topics were crowdsourced from loan officers and focus on real\u2011world scenarios that arise over the seven or more years a reverse mortgage typically remains in servicing, Balettie said in an interview with \u0416\u0438\u043b\u044c\u0435\u041f\u0440\u043e\u0432\u043e\u043b\u043e\u043a\u0430<\/strong>\u0415\u0436\u0435\u0434\u043d\u0435\u0432\u043d\u0430\u044f \u043e\u0431\u0440\u0430\u0442\u043d\u0430\u044f \u0438\u043f\u043e\u0442\u0435\u043a\u0430.<\/p>\n

\u201cThere have been a lot of good changes in the program over time,\u201d she said. \u201cAnytime there are changes, we will incorporate those into our webinars.\u201d<\/p>\n

Ryan McIntire, director of reverse servicing controls for \u0413\u0440\u0443\u043f\u043f\u0430 \u041e\u043d\u0438\u0442\u0438<\/a><\/strong>, said the industry\u2019s aging borrower base makes it critical for originators to understand what happens after a loan closes.<\/p>\n

\u201cYou\u2019re dealing with a protected class, for the most part. You\u2019re dealing with elderly individuals,\u201d he said. \u201cThe more we can educate originators on what happens on the \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435<\/a> side, the better they can reinforce that with borrowers at origination.\u201d<\/p>\n

Key topics include first-year line-of-credit restrictions on \u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0435 \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435<\/strong> (FHA)-insured Home Equity Conversion Mortgages (HECMs)<\/a>, the line-of-credit growth feature and how borrowers can change payment plans over time.<\/p>\n

The webinar will also cover life expectancy set-asides (LESAs<\/a>), which are reserved from a borrower\u2019s principal limit to pay \u043d\u0430\u043b\u043e\u0433 \u043d\u0430 \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c<\/a> and insurance, as well as first-year repair set-asides for properties that must be brought up to FHA standards.<\/p>\n

\u201cOne of the big pain points \u2026 is repair set-asides,\u201d McIntire said. \u201cIt\u2019s important for originators to reinforce to the borrower that this is an important aspect of their mortgage, and if they don\u2019t end up getting it done, then the ability to draw funds on their account \u2014 assuming that\u2019s how they set up their loan \u2014 would be shut off.\u201d<\/p>\n

McIntire said borrowers without a LESA remain responsible for these obligations, and missed payments can trigger loan maturity. \u201cYou don\u2019t want to potentially risk losing the home over a few thousand dollars\u2019 worth of taxes or insurance,\u201d he said.<\/p>\n

Additional topics include trusts, nonborrowing spouse protections<\/a>, prepayments, payoffs, wire transfers, servicing transfers, maturity events and probate<\/a> requirements, Balettie said.<\/p>\n

She added that the session will highlight how the HECM program has evolved, including stronger protections for nonborrowing spouses and additional safeguards for borrowers struggling with property charges.<\/p>\n

A key focus will be on what happens when a loan becomes due and payable \u2014 typically when the last borrower dies or permanently leaves the home. Borrowers or their heirs<\/a> may repay the loan and retain the property, sell the home, pursue a deed in lieu of \u043b\u0438\u0448\u0435\u043d\u0438\u0435 \u043f\u0440\u0430\u0432\u0430 \u0432\u044b\u043a\u0443\u043f\u0430<\/a> or complete a short sale at 95% of the home\u2019s market value, Balettie said.<\/p>\n

Because these loans are nonrecourse, FHA insurance covers any remaining balance.<\/p>\n

Balettie said Celink\u2019s reverse mortgage servicing website plays a central role in borrower education, offering FAQs, videos, forms and loan-specific information, as well as resources to help heirs prepare. About 125,000 seniors use the portal, she said, and a screen-sharing support tool has reduced call times.<\/p>\n

\u201cWe never underestimate the \u0438\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442<\/a> and power of a senior,\u201d Balettie said. \u201cWhat I try to teach loan officers is not to memorize everything, but to know how to find the answers when questions arise.\u201d<\/p>\n

McIntire said that he hopes the webinar will address any confusion among reverse mortgage professionals in a nonjudgmental way.<\/p>\n

\u201cWe need to share our pain points, share areas where we\u2019re struggling, so that if someone else is also struggling in that area, then there is collaboration on how we can address that.\u201d <\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

An upcoming industry webinar hosted by the National Reverse Mortgage Lenders Association\u00a0(NRMLA)\u00a0aims to demystify what happens to a reverse mortgage long after closing, serving as an educational component for loan officers and the seniors they serve. The April 9 webinar, \u201cFrom Boarding to Maturity: Understanding Reverse Mortgage Servicing Requirements,\u201d will walk loan officers through the […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-62621","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nNRMLA webinar to cover reverse servicing and maturity events - Houses Marketplace<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/housesmarketplace.trio-tv.com\/ru\/nrmla-webinar-to-cover-reverse-servicing-and-maturity-events\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NRMLA webinar to cover reverse servicing and maturity events - Houses Marketplace\" \/>\n<meta property=\"og:description\" content=\"An upcoming industry webinar hosted by the National Reverse Mortgage Lenders Association\u00a0(NRMLA)\u00a0aims to demystify what happens to a reverse mortgage long after closing, serving as an educational component for loan officers and the seniors they serve. 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