The Reverse Mortgage Checklist
A step-by-step process checklist covering every stage from first questions through closing and ongoing obligations.
About this worksheet
Where the Strategy Worksheet helps you decide, this checklist tracks the process: clarifying goals, confirming eligibility, comparing alternatives, completing HUD-approved counseling, application, appraisal and financial assessment, closing, and the responsibilities that continue after the loan funds.
Who it's for
- Utah homeowners age 62 and older moving forward with a HECM
- Adult children helping a parent through the process
- Homeowners preparing for HUD-approved counseling
Read it online
Frequently asked questions
Frequently Asked Questions
Related resources
Continue learning
Guides, calculators, and resource centers that pair with this worksheet.
- Consumer GuideThe Utah Reverse Mortgage Consumer Guide
A responsible guide for Utah homeowners 62+ and their families
- Consumer GuideThe Utah Retirement Planning Consumer Guide
Housing decisions and equity strategy inside a complete Utah retirement plan
- Starter KitReverse Mortgage Starter Kit
A concise entry-level overview for Utah homeowners 62+ beginning their research: what a HECM is, who may qualify, how proceeds can be taken, the obligations that continue, and where to go next.
- Starter KitSenior Home Equity Planning Guide
A broad home-equity strategy resource for Utah homeowners 62+ — comparing staying put, HELOCs, refinancing, downsizing, selling, and a reverse mortgage as part of a complete retirement plan.
- Resource CenterUtah Reverse Mortgage Resource Center
Independent Utah reverse mortgage guide — HECM eligibility, payout options, costs, heirs, and risks for homeowners 62+. Educational, no-pressure.
- Consumer GuideThe Utah HELOC Consumer Guide
Home Equity Line of Credit — explained for Utah homeowners
- Consumer GuideThe Utah Investment Property Consumer Guide
Buy, finance, manage, and build wealth through Utah real estate
- Consumer GuideThe Utah Divorce & Mortgage Consumer Guide
Protect equity, credit, and housing stability during a Utah divorce
Ready to talk through your numbers?
Bring your finished worksheet to a no-pressure consultation with Tres Miller (NMLS #217768). We'll pressure-test the numbers, walk through Utah program options, and outline realistic next steps.
Educational only. This worksheet does not constitute legal, tax, or financial advice. Programs, guidelines, and limits change frequently — verify current terms with a licensed Utah mortgage professional. Mortgage services provided by Tres Miller, NMLS #217768.
Ready to take the next step?
Talk to Tres — straight answers, real options, no pressure.