In this episode of Forward Thinking with Reverse Mortgage, Amaury Hernandez — Certified Senior Real Estate Specialist with List2Sell — sits down with reverse mortgage expert Tony Smalling of Opulence Home Equity to break down one of the most misunderstood financial tools available to seniors: the reverse mortgage.

Whether you're 62+, caring for aging parents, or simply planning ahead, this conversation cuts through myths, confusion, and misinformation to give you clear, practical insight into how reverse mortgages really work. Tony explains:

✔️ What a reverse mortgage actually is and who qualifies✔️ How FHA insurance protects both borrowers and their families✔️ What payments homeowners are responsible for✔️ The truth behind the myth that “the bank takes your house”✔️ How non-borrowing spouses (under 62) can remain protected✔️ Real-life scenarios — including clients facing foreclosure✔️ Different payout options (lump sum, monthly income, line of credit)✔️ Requirements like counseling, appraisals, and timelines✔️ Why the right lender makes all the difference

This episode is full of real stories, real numbers, and real solutions for seniors wanting to age in place with dignity, stability, and peace of mind.

If you or a loved one has ever wondered whether a reverse mortgage makes sense — this is the episode you need.

Have questions? Reach out:📩 Amaury: team@list2sellny.com

📩 Tony: asmalling@opfunding.com📞 (201) 699-5053 or (800) 610-0293