Episode 01
What Is a Reverse Mortgage?
Chad introduces the HECM reverse mortgage in plain English — what it is, who qualifies, and why Utah homeowners 62+ are using it.
Utah Radio Education Series
Straight answers about reverse mortgages.
In plain English.
Chad Peck has been educating Utah homeowners 62+ on reverse mortgages for over 15 years. These radio shows capture that same patient, honest conversation — no jargon, no pressure, just the information you need to make a confident decision.
About the show
Utah's reverse mortgage education series
Reverse Freedom Mortgage has produced three series of radio segments covering everything Utah homeowners 62 and older need to know about reverse mortgages — from the very basics to advanced retirement planning strategies.
Each episode is short, clear, and designed for someone who has questions but doesn't want to feel pressured into anything. Watch at your own pace, share with a family member, and reach out to Chad whenever you're ready to talk.
Series One
Retirement Freedom Series
Six episodes covering the core reverse mortgage topics Utah retirees ask about most — payments, costs, eligibility, and how it works in real life.
6Episodes
Episode 02
Costs, Fees & What to Expect
An honest breakdown of what a reverse mortgage costs, how fees compare to a traditional mortgage, and what Utah families should budget for.
Episode 03
Myths vs. Facts
The most common misconceptions Utah homeowners have about reverse mortgages — and the truth behind each one.
Episode 04
Who Qualifies in Utah?
Age, equity, home type, residency — Chad walks through exactly what Utah homeowners need to qualify for a HECM reverse mortgage.
Episode 05
The Line of Credit Strategy
How Utah retirees use the reverse mortgage line of credit as a financial safety net — growing over time and available when needed.
Episode 06
Your Home, Your Heirs & Your Legacy
What happens to the home when you pass away — what your children inherit, how repayment works, and the non-recourse protection.
Series Two
Golden Years of Retirement
A four-part series that goes deeper into retirement income planning, covering how a reverse mortgage fits into a complete retirement strategy for Utah homeowners.
4Episodes
Full Feature
Golden Years of Retirement
The full-length feature episode: what does a truly free retirement look like in Utah, and what role can home equity play in getting you there?
Segment 01
Retirement Income: The Foundation
Social Security, savings, and home equity — how Utah retirees can structure all three to create stable monthly income without running out of money.
Segment 02
Protecting Your Portfolio
How Utah financial planners use the reverse mortgage line of credit as a buffer asset — protecting investment portfolios during market downturns.
Segment 03
Planning for the Long Term
Long-term care, legacy planning, and estate considerations — how Utah families use a reverse mortgage to stay in control as they age.
Series Three
Expert Conversations
Three in-depth expert discussions on advanced reverse mortgage topics — ideal for Utah financial advisors, adult children researching for parents, and homeowners who want to go deeper.
3Episodes
Expert 01
HECM Deep Dive: How the Numbers Work
An expert-level look at how HECM calculations work — principal limits, interest accrual, and what Utah homeowners can actually expect to receive.
Expert 02
Reverse Mortgages & Financial Advisors
How Utah financial advisors are incorporating reverse mortgages into client plans — and why the stigma has shifted among certified planners.
Expert 03
HECM for Purchase: Buying in Retirement
How Utah retirees are using the HECM for Purchase program to buy a new home — without a monthly mortgage payment — and what the process looks like.
BBB Accredited · NMLS #1382816 · Since 2008
Ready to talk? Chad is a real person.
These radio shows are a starting point. When you're ready to run your actual numbers — for your home, your equity, your situation — Chad and the Reverse Freedom team in West Jordan are here. No pressure, no fees, no obligation.
Common questions
What Utah homeowners always ask
What is a reverse mortgage and how does it work in Utah?
A reverse mortgage — formally called a Home Equity Conversion Mortgage (HECM) — allows Utah homeowners aged 62 and older to convert a portion of their home equity into cash, with no required monthly mortgage payments. The loan is repaid when the last borrower permanently leaves the home. Reverse Freedom Mortgage is Utah's locally-owned HECM specialist, based in West Jordan and serving families across Salt Lake City, Provo, Ogden, and the entire Wasatch Front since 2008.
Who qualifies for a reverse mortgage in Utah?
You must be at least 62 years old, own your Utah home (or have significant equity), and live in it as your primary residence. The home must meet FHA property standards. Most single-family homes, FHA-approved condos, and manufactured homes in West Jordan, Salt Lake City, Draper, South Jordan, Lehi, and across Utah qualify. The radio episodes above cover eligibility in detail.
Does a reverse mortgage mean I lose my home?
No. You remain the owner of your home throughout the life of the loan. The lender places a lien — just like a traditional mortgage — but you keep full title and continue living there. You can also leave the home to your heirs, who can choose to repay the loan and keep the property or sell it to settle the balance. Because it's a non-recourse loan, the debt can never exceed the home's appraised value.
How much money can I get from a reverse mortgage in Utah?
The amount depends on three factors: your age, your home's appraised value, and current interest rates. Generally speaking, the older you are and the more equity you have, the more you can access. Use the free reverse mortgage calculator on this site to see a rough estimate, or call us at (801) 921-HOME for a personalized conversation with Chad.
Are these radio shows available as a podcast?
The episodes on this page are the complete library of Reverse Freedom Mortgage radio content. You can watch them directly in your browser by clicking the play button on any episode — no app required. If you'd prefer to speak with Chad directly about any topic covered, schedule a free consultation and he'll walk you through anything you'd like to explore further.
Free · No obligation
What could a reverse mortgage do for you?
You've heard the education. Now see your real numbers — based on your home, your equity, and your retirement goals. Our West Jordan team will walk you through everything at no cost.
Utah's reverse mortgage specialists since 2008. Helping Utah retirees live the retirement they imagined.
9089 S 1300 W STE #110, West Jordan, UT 84088
Mon – Fri, 9am – 5pm
Learn
Partners
Events
Ready to see what your home can do for you?
Free estimate. No obligation. A real Utah loan officer will walk you through it.
BBB Accredited
NMLS #1382816
Utah DRE #9441193
FHA-Approved Lender
Equal Housing Lender
HUD/FHA Notice: This material is not from HUD or FHA and has not been approved by HUD or a government agency.
Loan Repayment: A reverse mortgage is a loan that must be repaid. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the property as a primary residence. Failure to do so may result in foreclosure.
Reverse Freedom Mortgage is licensed in the State of Utah. NMLS #1382816, Utah DRE License #9441193.
© Reverse Freedom Mortgage. All rights reserved.