Reverse Mortgage Seminar — Thursday, November 5th
Join Michael Pankow live for a clear, honest look at how a reverse mortgage works and whether it fits your retirement plans. No cost, no sales pitch, no obligation.
- How a government-insured HECM reverse mortgage actually works
- Who keeps the title to your home (you do) and what you're responsible for
- Your payout options: lump sum, monthly income, or a line of credit
- What happens to your home and your heirs down the road
- Common myths, real costs, and how to decide if it's right for you
20+ years in retail mortgage lending
Register free for November 5th
Seats on the live Zoom are limited. Register below and we'll send your personal join link right away.
🔒 Your information is never sold or shared. Educational seminar only — no sales pitch.
What we'll cover on November 5th
A plain-English walkthrough designed for homeowners 62 and older. Bring your questions, there's live Q&A at the end.
Who holds title, how the FHA-insured HECM program protects you, and why you never hand ownership of your home to a lender.
Lump sum, monthly payments, a growing line of credit, or a mix, and how each one affects your monthly cash flow.
What happens when you move or pass away, how the non-recourse guarantee works, and the choices your family will have.
Age and equity requirements, closing costs, required counseling, and how to find out what you could qualify for.
Meet your presenter
Michael has spent more than two decades helping homeowners make confident, informed decisions about their home equity.
Michael Pankow
Michael specializes in helping seniors and their families understand reverse mortgages without pressure or jargon. His seminars are purely educational: you'll leave knowing exactly how the program works, what it costs, and whether it makes sense for your situation.
Prefer to talk directly? (916) 296-7765 · [email protected]
Common questions
Straight answers to the questions we hear most. We'll go deeper on all of these during the seminar.
Who owns my home with a reverse mortgage?
You do. Your name stays on the title just like with any other mortgage. The lender simply holds a lien, and you remain responsible for property taxes, homeowners insurance, and upkeep.
Can my children or a trusted advisor attend with me?
Absolutely, and we encourage it. Family members are welcome on the Zoom, and we'll cover how a reverse mortgage affects heirs and inheritance.
What happens to my home when I pass away?
Your heirs can keep the home by paying off the loan balance (often by refinancing), or sell it and keep any remaining equity. Because HECM loans are non-recourse, neither you nor your heirs ever owe more than the home is worth.
Are the proceeds taxable?
Reverse mortgage proceeds are loan advances, not income, so they're generally not taxable.* We'll walk through how funds can be received and used.
Is this a sales presentation?
No. This is an educational seminar hosted by Texana Bank. There is nothing to buy, and there's no obligation to schedule anything afterward.
Free to attend · Online via Zoom · Thursday, November 5, 2026 at 10:00 AM PT
Powered by Texana Bank, N.A. | NMLS ID #407536, an Equal Housing Lender.The content provided in this website is presented for informational purposes only and is not a commitment to lend or extend credit. Program, rates, terms, and restrictions are subject to change without notice. All loans are subject to credit approval. Underwriting terms and restrictions may apply. We are licensed in all 50 states.
*Consult a tax advisor regarding your individual situation. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the home.
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