Fixed vs Adjustable Reverse Mortgage: $69,000 or $134,000?

Same borrower. Same house. Same day. One column of this page offers her sixty-nine thousand dollars. Another offers access to about a hundred thirty-four thousand. That's nearly double, out of the same home, and the difference comes down to a single choice: fixed or adjustable. Every reverse mortgage proposal includes a page called the Comparison of Loan Products — three loans standing side by side. This video reads it row by row, using a real proposal with the borrower's personal details removed. It's the page where the real decision actually gets made, and most people never have it explained to them. You will learn: *How an adjustable reverse mortgage rate is built — an index plus a margin — and how a fixed rate differs *The lifetime interest rate caps, printed in writing before you commit *Why the insurance row is identical across all three columns *The principal limit: how much loan the program will extend, and why the monthly adjustable qualifies for the most *Why the fixed column's money looks like it vanished — the one-draw rule *The toolbox versus the one-check loan: cash now, a growing line of credit, or a monthly payout for life *The federal first-year pacing rule and why I actually like it *When the fixed column genuinely is the right pick *The honest caveat: adjustable means adjustable, and what a rising rate does (and doesn't) change A reverse mortgage isn't right for everyone, and if it isn't a good fit for you, I'll say so. My job is honest, plain-English guidance so you can decide with your eyes open. Chapters 0:00 Sixty-nine thousand, or a hundred thirty-four? 0:31 The example, with the personal details removed 1:05 How each rate is built 1:31 The caps: your ceiling, in writing 2:01 The principal limit and the money row 2:47 The one-check loan vs. the toolbox loan 3:34 Inside the toolbox: cash, credit line, tenure 4:15 When the fixed column earns its keep 4:56 The honest caveat — and where this lands 📅 Want this page run with your own numbers? Book a free, no-obligation call: https://book-with-david.netlify.app/ David Todd · Mortgage Loan Officer · NMLS #2645936 · Honest reverse mortgage guidance for homeowners 62 and older in North Carolina. MCM Capital Solutions · Company NMLS #213236 · NC L-199179 · David Todd NMLS #2645936 / NC I-225310 #ReverseMortgage #HECM #RetirementPlanning — This video is for educational purposes and is not a commitment to lend. A reverse mortgage (HECM) is a home-secured loan. Every figure shown comes from one real example proposal with the borrower's personal information removed, and is illustrative only; your actual numbers depend on your age, your home's value, and the interest rates on the day the proposal is run. Adjustable rates can rise to the caps shown. You remain responsible for property taxes, homeowners insurance, and maintaining the home. Consultation is free with no obligation. Equal Housing Opportunity. Want your own numbers run? Let's talk. Schedule a 15-minute consultation - https://book-with-david.netlify.app/ David Todd - NMLS 2645936 Call or Text 919.349.4146 David.Todd@mcmcapitalsolutions.com