{"id":659,"date":"2026-01-29T04:11:35","date_gmt":"2026-01-29T09:11:35","guid":{"rendered":"https:\/\/ahcopa.org\/?page_id=659"},"modified":"2026-08-04T08:41:24","modified_gmt":"2026-08-04T12:41:24","slug":"asesoria-de-hipoteca-inversa","status":"publish","type":"page","link":"https:\/\/ahcopa.org\/es\/for-home-owners\/reverse-mortgage-counseling\/","title":{"rendered":"Asesor\u00eda sobre hipotecas inversas"},"content":{"rendered":"<nav aria-label=\"Migas de pan\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Inicio<\/span><\/p><\/nav>\r\n<p>A reverse mortgage can be a powerful financial tool &#8211; but it&#8217;s also one of the most consequential decisions a homeowner can make. Before you sign anything, make sure you fully understand what you&#8217;re agreeing to.<\/p>\r\n<p><strong>HUD pide a todos los solicitantes de hipotecas inversas que se re\u00fanan con un consejero de vivienda certificado antes de continuar.<\/strong> That&#8217;s not a formality &#8211; it&#8217;s a protection. And at AHCOPA, we take it seriously.<\/p>\r\n<p><a href=\"https:\/\/ahcopa.org\/es\/contacto\/\" target=\"\"> Cont\u00e1ctanos <\/a><\/p>\r\n<figure data-animation-delay=\"0\" data-animation-duration=\"1\"><img loading=\"lazy\" decoding=\"async\" title=\"17iuebiQsaR8rlJrbXGtaiUqOaL1TRMhCsa4lsv6jHJZ8Sju\" src=\"https:\/\/ahcopa.org\/wp-content\/uploads\/2026\/06\/17iuebiQsaR8rlJrbXGtaiUqOaL1TRMhCsa4lsv6jHJZ8Sju.jpg\" alt=\"17iuebiQsaR8rlJrbXGtaiUqOaL1TRMhCsa4lsv6jHJZ8Sju\" width=\"1620\" height=\"2025\" \/><\/figure>\r\n<figure><img loading=\"lazy\" decoding=\"async\" title=\"Aaron y el cliente\" src=\"https:\/\/ahcopa.org\/wp-content\/uploads\/2026\/04\/aaron-and-client.jpg\" alt=\"Aaron y el cliente\" width=\"2048\" height=\"2048\" \/><\/figure>\r\n<h2>\u00bfQu\u00e9 es una hipoteca inversa?<\/h2>\r\n<p>Una hipoteca inversa es un pr\u00e9stamo especial para propietarios de 62 a\u00f1os o m\u00e1s que te permite convertir una parte del valor de tu casa en efectivo. A diferencia de una hipoteca tradicional, no necesitas pagar nada mientras sigas viviendo en tu casa. El pr\u00e9stamo se debe pagar cuando se vende la propiedad, se transfiere o cuando el titular principal fallece.<\/p>\r\n<p>For the right person in the right situation, a reverse mortgage can provide meaningful financial relief. For others, it can create serious problems &#8211; including foreclosure. The difference often comes down to how well you understand the terms before you sign.<\/p>\r\n<h2>De qu\u00e9 trata nuestra consejer\u00eda<\/h2>\r\n<p>AHCOPA&#8217;s reverse mortgage counselors hold the HECM (Home Equity Conversion Mortgage) certification &#8211; the highest standard in the field. In your counseling session, we&#8217;ll walk you through:<\/p>\r\n<ul>\r\n<li>C\u00f3mo funcionan las hipotecas inversas y cu\u00e1les son los desencadenantes de pago<\/li>\r\n<li>Costos de pr\u00e9stamos, comisiones y su impacto a largo plazo en tu patrimonio<\/li>\r\n<li>Riesgos a tener en cuenta, incluyendo situaciones que podr\u00edan llevar al desahucio<\/li>\r\n<li>C\u00f3mo una hipoteca inversa podr\u00eda afectar al c\u00f3nyuge sup\u00e9rstite o a los herederos<\/li>\r\n<li>Opciones alternativas que quiz\u00e1s se ajusten mejor a tu situaci\u00f3n<\/li>\r\n<\/ul>\r\n<p>Our goal isn&#8217;t to talk you into or out of anything. It&#8217;s to make sure the decision you make is an informed one.<\/p>\r\n<figure><img loading=\"lazy\" decoding=\"async\" title=\"RTcx8NCuSVh9mweh3knc1lUtclkz18obXGvr4r3gcnb0IOHz\" src=\"https:\/\/ahcopa.org\/wp-content\/uploads\/2026\/06\/RTcx8NCuSVh9mweh3knc1lUtclkz18obXGvr4r3gcnb0IOHz.jpg\" alt=\"RTcx8NCuSVh9mweh3knc1lUtclkz18obXGvr4r3gcnb0IOHz\" width=\"1900\" height=\"1425\" \/><\/figure>\r\n<h2>Preguntas frecuentes<\/h2>\r\n<h3 id=\"fl-accordion--label-0\">\u00bfPor qu\u00e9 se necesita el asesoramiento?<\/h3>\r\n<p><button id=\"fl-accordion--icon-0\" type=\"button\" aria-expanded=\"false\" aria-controls=\"fl-accordion--panel-0\"><i>Expand<\/i><\/button><\/p>\r\n<p>Because reverse mortgages involve your home &#8211; usually your most valuable asset &#8211; and are specifically designed for seniors who are often on fixed incomes. The federal government requires counseling to ensure that every borrower fully understands what they&#8217;re signing before they commit.<\/p>\r\n<h3 id=\"fl-accordion--label-1\">\u00bfQu\u00e9 es un HECM?<\/h3>\r\n<p><button id=\"fl-accordion--icon-1\" type=\"button\" aria-expanded=\"false\" aria-controls=\"fl-accordion--panel-1\"><i>Expand<\/i><\/button><\/p>\r\n<p>A Home Equity Conversion Mortgage is the most common type of reverse mortgage and the only one insured by the federal government. AHCOPA&#8217;s counselors are HECM-certified, meaning they&#8217;ve completed specialized training specific to this loan type.<\/p>\r\n<h3 id=\"fl-accordion--label-2\">\u00bfVoy a perder mi casa con una hipoteca inversa?<\/h3>\r\n<p><button id=\"fl-accordion--icon-2\" type=\"button\" aria-expanded=\"false\" aria-controls=\"fl-accordion--panel-2\"><i>Expand<\/i><\/button><\/p>\r\n<p>Not automatically &#8211; but it&#8217;s possible if certain conditions aren&#8217;t met. You must continue to live in the home as your primary residence, keep up with property taxes and homeowner&#8217;s insurance, and maintain the property. Failing to meet these obligations can trigger repayment and potentially foreclosure. This is one of the most important things we cover in counseling.<\/p>\r\n<h3 id=\"fl-accordion--label-3\">\u00bfQu\u00e9 pasa con mi casa cuando muera?<\/h3>\r\n<p><button id=\"fl-accordion--icon-3\" type=\"button\" aria-expanded=\"false\" aria-controls=\"fl-accordion--panel-3\"><i>Expand<\/i><\/button><\/p>\r\n<p>The loan becomes due. Your heirs will typically have the option to repay the loan and keep the home, sell the home to pay off the loan, or allow the lender to take the home. We&#8217;ll walk through all of these scenarios with you during your session.<\/p>\r\n<h3 id=\"fl-accordion--label-4\">\u00bfTodav\u00eda puedo obtener una hipoteca inversa si ya tengo una hipoteca?<\/h3>\r\n<p><button id=\"fl-accordion--icon-4\" type=\"button\" aria-expanded=\"false\" aria-controls=\"fl-accordion--panel-4\"><i>Expand<\/i><\/button><\/p>\r\n<p>Yes, in some cases &#8211; but the reverse mortgage proceeds would first need to pay off the existing mortgage balance. Whether what remains is enough to meet your needs is something we&#8217;ll help you evaluate.<\/p>\r\n<h2>C\u00f3mo empezar<\/h2>\r\n<p>Llamanos a la oficina para agendar una cita de asesoramiento de hipoteca inversa:<br \/>(215) 765-1221<\/p>\r\n<p>El costo del asesoramiento sobre hipotecas inversas es de $169.<\/p>\r\n<p><a href=\"https:\/\/ahcopa.org\/es\/para-duenos-de-casa\/asesoria-de-hipoteca-inversa\/pagar\/\" target=\"_self\"> Pagar por asesor\u00eda de hipoteca inversa <\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>A reverse mortgage can be a powerful financial tool &#8211; but it&#8217;s also one of the most consequential decisions a homeowner can make. Before you sign anything, make sure you fully understand what you&#8217;re agreeing to. HUD requires all reverse mortgage applicants to meet with a certified housing counselor before proceeding. That&#8217;s not a formality&hellip;<\/p>","protected":false},"author":3,"featured_media":0,"parent":655,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"page-template-part":[],"class_list":["post-659","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/pages\/659","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/comments?post=659"}],"version-history":[{"count":17,"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/pages\/659\/revisions"}],"predecessor-version":[{"id":2815,"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/pages\/659\/revisions\/2815"}],"up":[{"embeddable":true,"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/pages\/655"}],"wp:attachment":[{"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/media?parent=659"}],"wp:term":[{"taxonomy":"page-template-part","embeddable":true,"href":"https:\/\/ahcopa.org\/es\/wp-json\/wp\/v2\/page-template-part?post=659"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}