--- title: "Reverse Mortgage State Guides | HECMAcademy" description: "Browse HECM reverse mortgage guides for every state — local rules, FHA limits, and counselor resources." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "WebSite", "name": "HECMAcademy", "url": "https://hecmacademy.com", "description": "Independent, plain-English reverse mortgage education for U.S. homeowners age 62 and older. Explains HECM eligibility, costs, protections, and payout options without sales pressure.", "potentialAction": { "@type": "SearchAction", "target": { "@type": "EntryPoint", "urlTemplate": "https://hecmacademy.com/?q={search_term_string}" }, "query-input": "required name=search_term_string" } }, { "@context": "https://schema.org", "@type": "Organization", "name": "HECMAcademy", "url": "https://hecmacademy.com", "logo": "https://hecmacademy.com/og-card.png", "description": "Independent, plain-English reverse mortgage education for U.S. homeowners age 62 and older. Explains HECM eligibility, costs, protections, and payout options without sales pressure." }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://hecmacademy.com" }, { "@type": "ListItem", "position": 2, "name": "Reverse Mortgage", "item": "https://hecmacademy.com/reverse-mortgage" } ] }, { "@context": "https://schema.org", "@type": "CollectionPage", "name": "HECM Reverse Mortgage State Guides", "url": "https://hecmacademy.com/reverse-mortgage", "description": "State-by-state HECM reverse mortgage guides for U.S. homeowners 62+.", "publisher": { "@type": "Organization", "name": "HECMAcademy", "url": "https://hecmacademy.com" }, "hasPart": [ { "@type": "WebPage", "name": "Arizona Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/arizona" }, { "@type": "WebPage", "name": "California Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/california" }, { "@type": "WebPage", "name": "Colorado Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/colorado" }, { "@type": "WebPage", "name": "Washington D.C. Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/dc" }, { "@type": "WebPage", "name": "Florida Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/florida" }, { "@type": "WebPage", "name": "Hawaii Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/hawaii" }, { "@type": "WebPage", "name": "Illinois Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/illinois" }, { "@type": "WebPage", "name": "Maryland Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/maryland" }, { "@type": "WebPage", "name": "North Carolina Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/north-carolina" }, { "@type": "WebPage", "name": "Ohio Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/ohio" }, { "@type": "WebPage", "name": "Oregon Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/oregon" }, { "@type": "WebPage", "name": "Pennsylvania Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/pennsylvania" }, { "@type": "WebPage", "name": "Texas Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/texas" }, { "@type": "WebPage", "name": "Utah Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/utah" }, { "@type": "WebPage", "name": "Virginia Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/virginia" }, { "@type": "WebPage", "name": "Washington Reverse Mortgage Guide", "url": "https://hecmacademy.com/reverse-mortgage/washington" } ] } ] --- Free HECM guidance — no sales pressure Mon–Fri, 9am–6pm ET [Contact](/contact) [![HECMAcademy — reverse mortgage education](/__l5e/assets-v1/11c6d22b-7f84-4add-8068-34dad2c8a5b7/hecmacademy-logo.png)](/) [How it works](/#how) Learn [Free Guide](/guide)[FAQ](/faq)[Blog](/blog)[Retirement Tax Guide](/retirement-tax-guide)[Heirs Guide](/heirs-guide) By State [California](/reverse-mortgage/california)[Texas](/reverse-mortgage/texas)[Florida](/reverse-mortgage/florida)[Arizona](/reverse-mortgage/arizona)[Colorado](/reverse-mortgage/colorado)[Virginia](/reverse-mortgage/virginia)[Utah](/reverse-mortgage/utah)[Washington](/reverse-mortgage/washington)[Ohio](/reverse-mortgage/ohio)[Illinois](/reverse-mortgage/illinois)[Maryland](/reverse-mortgage/maryland)[North Carolina](/reverse-mortgage/north-carolina)[Oregon](/reverse-mortgage/oregon)[Hawaii](/reverse-mortgage/hawaii) [All states →](/reverse-mortgage) [Calculator](/calculator)[About](/about) [Expert advisor (888) 203-8887 Mon–Fri, 9am–6pm ET ](tel:+18882038887)[Check Eligibility](/#quickcheck) [](tel:+18882038887)[Check Eligibility](/#quickcheck) State Guides # HECM Reverse Mortgage Guides by State Each state has its own consumer protections, counseling resources, and market dynamics. Find the guide for your state below. [ ## Arizona Median home value $331,000 · approximately 540,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/arizona)[ ## California Median home value $683,000 · approximately 2,100,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/california)[ ## Colorado Median home value $490,000 · approximately 370,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/colorado)[ ## Washington D.C. Median home value $601,000 · approximately 28,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/dc)[ ## Florida Median home value $340,000 · approximately 2,000,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/florida)[ ## Hawaii Median home value $840,000 · approximately 72,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/hawaii)[ ## Illinois Median home value $239,000 · approximately 740,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/illinois)[ ## Maryland Median home value $395,000 · approximately 340,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/maryland)[ ## North Carolina Median home value $281,000 · approximately 700,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/north-carolina)[ ## Ohio Median home value $193,000 · approximately 840,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/ohio)[ ## Oregon Median home value $436,000 · approximately 310,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/oregon)[ ## Pennsylvania Median home value $232,000 · approximately 1,000,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/pennsylvania)[ ## Texas Median home value $310,000 · approximately 1,400,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/texas)[ ## Utah Median home value $480,000 · approximately 155,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/utah)[ ## Virginia Median home value $376,000 · approximately 570,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/virginia)[ ## Washington Median home value $511,000 · approximately 480,000 homeowner households aged 62+. Read guide → ](/reverse-mortgage/washington) Reviewed by the HECMAcademy Editorial Team · Last updated June 2026 · [How we vet this content](/about#editorial-standards) ## Get the Free HECM Guide (PDF) An 8-page plain-English guide to how the FHA HECM works — sent straight to your inbox. Company website First nameLast name EmailPhoneZIP code Age range 55-6162-6970-7980+ I agree to receive calls and texts from HECM Academy about reverse mortgages. Not required to get the guide. Reply STOP to opt out. Send Me the Guide We never sell your information. [Privacy policy](/privacy-policy). HECMAcademy is not a lender. This is educational information only. By submitting, you agree to receive our free HECM educational guide and follow-up emails. Unsubscribe anytime. Talk to a HUD-approved counselor Free, independent, and required before any HECM. Not affiliated with HECMAcademy. [1-800-569-4287](tel:+18005694287)[Search by ZIP →](https://hud.gov/program_offices/housing/sfh/hcc/hcs.cfm) HECMAcademy Independent education for homeowners 62+ exploring HECM and jumbo proprietary reverse mortgages. Not a lender, broker, or financial advisor. Learn - [Blog](/blog) - [FAQ](/faq) - [Free HECM Guide](/guide) - [Heirs Guide](/heirs-guide) - [Retirement Tax Guide](/retirement-tax-guide) By State - [california](/reverse-mortgage/california) - [texas](/reverse-mortgage/texas) - [florida](/reverse-mortgage/florida) - [arizona](/reverse-mortgage/arizona) - [colorado](/reverse-mortgage/colorado) - [virginia](/reverse-mortgage/virginia) - [utah](/reverse-mortgage/utah) - [washington](/reverse-mortgage/washington) - [ohio](/reverse-mortgage/ohio) - [illinois](/reverse-mortgage/illinois) - [maryland](/reverse-mortgage/maryland) - [north carolina](/reverse-mortgage/north-carolina) - [oregon](/reverse-mortgage/oregon) - [hawaii](/reverse-mortgage/hawaii) [About](/about)[Contact](/contact)[Privacy](/privacy-policy)[Terms](/terms)[(888) 203-8887](tel:+18882038887) © 2026 HECMAcademy. All information is educational and not a loan commitment. HECM borrowers must remain current on property taxes, insurance, and maintenance. HECMAcademy is an independent consumer education platform. We are not affiliated with, endorsed by, or connected to any lender, mortgage banker, or bank, including any company using a similar name. [Check Eligibility](/#quickcheck)[Call](tel:+18882038887)