# ReversePulse: Senior Housing Wealth & HECM Intelligence
> Institutional data intelligence platform analyzing HUD FHA Home Equity Conversion Mortgages (HECM), senior home equity reserves ($13.25 Trillion), and regional lending benchmarks across all 50 states.

## Core Data Series
- **National Senior Home Equity**: $13.25 Trillion (NRMLA Senior Equity Index: 442.8).
- **FHA Maximum Claim Amount Limit (2024)**: $1,149,825 for single-family residences.
- **Mandatory Upfront MIP**: 2.0% of MCA ($22,996 maximum).
- **Line of Credit Share**: 89.4% of all active borrowers select compounding line of credit options.
- **Primary Origination States**: California ($6.85B), Florida ($2.39B), Texas ($1.62B), New York ($1.54B), Colorado ($1.15B).

## Key URLs & Endpoints
- Home: https://reverse.systemores.com/
- Market Trends Directory: https://reverse.systemores.com/trends
- HECM PLF Calculator: https://reverse.systemores.com/calculator
- FHA Approved Lender Scorecards: https://reverse.systemores.com/lenders
- Comparative Market Analysis: https://reverse.systemores.com/compare
- NRMLA Senior Equity Index Report: https://reverse.systemores.com/reports/senior-equity-index
- Mathematical Methodology: https://reverse.systemores.com/methodology
- RSS Feed: https://reverse.systemores.com/feed.xml
- Full LLM Context Index: https://reverse.systemores.com/llms-full.txt

## Regulatory Disclosures
- **Non-Recourse Protection**: Under 12 U.S.C. § 1715z-20(j), borrowers or heirs never owe more than the fair market value of the home upon loan settlement.
- **Independent Counseling**: HUD-approved independent housing counseling is mandatory before loan execution.
- **Tax Status**: Reverse mortgage proceeds are non-taxable loan advances under Internal Revenue Code rules.