Industry professionals expect the reverse mortgage market to remain challenging throughout the second half of 2026 as elevated mortgage rates and affordability pressures continue to limit how much equity older homeowners can access. 

Shain Urwin, the national reverse mortgage director for C2 Financial and a board member of the National Reverse Mortgage Lenders Association (NRMLA), said the current lending environment is among the most difficult he has seen, despite record levels of home equity among many seniors.

“We’re probably in one of the most difficult lending environments I’ve ever seen,” Urwin said. “The average American is having a details ⇒

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