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# Proprietary reverse mortgages continue to thrive as borrowers move away from HECMs
- URL: https://blockyard.ghost.io/proprietary-reverse-mortgages-continue-to-thrive-as-borrowers-move-away-from-hecms/
- Published: 2026-10-20T22:01:45.000Z
- Updated: 2026-10-20T22:01:45.000Z
- Author: Hans Michel
- Tags: loantrust.ai, news, daily

###### Educational

HousingWire reports that the reverse-mortgage market is splitting along product lines, with private-label volume reaching $1.2 billion in the third quarter of 2026 while HECM originations slipped to $880 million. The shift suggests borrowers with substantial equity are increasingly opting for the flexibility and higher proceeds that proprietary programs can offer, even as the federally insured product loses ground. For originators and investors watching housing wealth concentrate among older homeowners with complex financial profiles, the trend points to a growing appetite for non-standard solutions in the retirement-financing space.

That growing appetite for tailored financing extends well beyond reverse products, and it is reshaping how investors and self-employed borrowers approach leverage altogether. [loantrust.ai](https://loantrust.ai/?ref=blockyard.ghost.io) operates directly in this space, structuring DSCR loans around property cash flow rather than personal income, packaging bank-statement programs for borrowers whose tax returns do not reflect their true capacity, and funding fix-and-flip, bridge, new-construction, and multifamily deals through a single licensed MLO who handles the file personally rather than routing it through a call center. Where the market moves away from one-size-fits-all products, the response is a financing strategy built around the actual mechanics of the borrower's deal.

For the reader watching HECM borrowers migrate toward proprietary structures, the underlying signal is the same: standardized programs leave value on the table for non-standard situations. loantrust.ai functions as a dedicated partner rather than a transactional call center precisely because that gap persists across product types, from investor acquisitions to first-time purchases where conventional documentation falls short. The market fragmentation HousingWire documents is not limited to reverse mortgages; it is a broader re-sorting of borrowers toward originators who can match structure to circumstance without forcing either party into an ill-fitting box.

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**Source:** [HousingWire](https://www.housingwire.com/articles/proprietary-reverse-share-60/?ref=blockyard.ghost.io), “Proprietary reverse mortgages continue to thrive as borrowers move away from HECMs”. [Read the original →](https://www.housingwire.com/articles/proprietary-reverse-share-60/?ref=blockyard.ghost.io)

**About loantrust.ai** — Whether you're buying your first home, refinancing, or funding your next investment deal, you deserve a straight answer from a real loan officer — not a call center. loantrust.ai is the Atlanta-based mortgage brokerage where one licensed MLO personally packages every loan: conventional, FHA, VA, refinance, DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs. Get a written quote you can compare against any lender — in about two minutes: [**loantrust.ai Georgia**](https://loantrust.ai/?ref=blockyard.ghost.io)

*Hans Michel, Mortgage Loan Originator, NMLS #2857209 · LoanTrust is a dba of RentAssure Inc. · Licensed in Georgia ·* [*NMLSConsumerAccess.org*](https://www.nmlsconsumeraccess.org/?ref=blockyard.ghost.io) *· Equal Housing Opportunity. Nothing on this site is a commitment to lend — all loans subject to underwriting and approval. DSCR, fix & flip, bridge, new construction, multifamily, and bank-statement programs are business-purpose loans for investment properties only.*