Reverse Mortgages: The Financial Ugly Duckling

For years, reverse mortgages have been misunderstood—dismissed as a last resort for the financially desperate. But what if everything you thought you knew about them was wrong?

In REVERSE MORTGAGES – The Financial Ugly Duckling, Brady Mullen and Dan Mullen, CPA, challenge the myths and misinformation that have long plagued this powerful financial tool. Drawing from their combined expertise in financial advising, tax strategy, and real estate, they reveal how reverse mortgages can provide retirees with flexibility, financial security, and new opportunities.

This book breaks down the mechanics of the FHA-insured Home Equity Conversion Mortgage (HECM), explaining how it can be used to eliminate mortgage payments, supplement retirement income, fund home improvements, or even purchase a new home. Through real-world examples and clear financial analysis, the authors show why savvy retirees and financial professionals alike are rethinking the role of home equity in long-term planning.

Whether you're planning for the future, navigating retirement, or advising clients, this book provides the knowledge needed to make informed decisions. Reverse mortgages aren’t for everyone—but if used correctly, they can transform retirement from a time of financial uncertainty into a period of stability and opportunity.

The ugly duckling of financial tools may just be a swan after all.