Fulton County, GA Reverse Mortgage Snapshot
FIPS: 13121 • Atlanta-Sandy Springs-Alpharetta, GA • Market Tier: High Volume
Fulton County Executive BLUF Summary
Fulton County (Atlanta, Sandy Springs, Alpharetta) represents the anchor of Georgia reverse mortgage originations.
Strategic Key Takeaways
- •Estimated Senior Home Equity (62+): $48 Billion.
- •Average Maximum Claim Amount (MCA): $490,000.
- •Senior Homeownership Rate: 74.2%.
- •Regulatory: Standard Georgia residential mortgage counseling protocol.
180,000 seniors (Age 62+)
Prior Year: 190
Median Home: $440,000
FHA Cap: $1,149,825
Fulton County Endorsement & MCA Trajectory
Annual FHA single-family reverse mortgage activity
Top FHA Approved Reverse Mortgage Lenders in Fulton County
Finance of America Reverse
Direct Endorsement Approved
Mutual of Omaha Mortgage
Direct Endorsement Approved
Movement Mortgage
Direct Endorsement Approved
Estimate HECM Line of Credit for Fulton County Homeowners
Institutional FHA HECM Principal Limit Calculator
HUD Mortgagee Letter 2017-17 Calibrated • 2026 FHA MCA Cap: $1,149,825
Under HUD ML 2014-07, spouses of any age can be named as an Eligible Non-Borrowing Spouse, securing statutory rights to remain in the home indefinitely after the borrowing spouse passes away.
Available immediately as an unused, guaranteed growing Line of Credit, or distributed as monthly tenure payments for life.
10-Year Line of Credit Compounding Trajectory
| Year | Available Line | Loan Balance | Est. Retained Equity |
|---|---|---|---|
| Year 0 | $148,300 | $139,000 | $511,000 |
| Year 2 | $168,996 | $158,398 | $537,898 |
| Year 4 | $192,581 | $180,504 | $565,386 |
| Year 6 | $219,457 | $205,694 | $593,322 |
| Year 8 | $250,083 | $234,400 | $621,526 |
| Year 10 | $284,984 | $267,112 | $649,777 |