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For many seniors, a  reverse mortgage  is a powerful way to stay in their home while converting built-up equity into income or savings. But what often surprises borrowers is the concept of a  LESA — Life Expectancy Set-Aside. A  Fully Funded LESA  isn’t a penalty or a loss of funds. In fact, it’s one of the smartest safeguards within the reverse mortgage program — helping protect homeowners from future financial stress and ensuring their loan remains in good standing. At  Tru

For many seniors, a  reverse mortgage  is a powerful way to stay in their home while converting built-up equity into income or savings. But what often surprises borrowers is the concept of a  LESA — Life Expectancy Set-Aside. A  Fully Funded LESA  isn’t a penalty or a loss of funds. In fact, it’s one of the smartest safeguards within the reverse mortgage program — helping protect homeowners from future financial stress and ensuring their loan remains in good standing. At  Tru

Mortgage rates have been volatile in 2025, and the question on many minds is:  when will mortgage rates go down?  Understanding what drives rate movements—and which indicators to watch—can help you make smarter home buying, refinancing, or locking decisions. At Trust Lending, we follow these trends closely so you don’t have to. In this post, we’ll explore what influences mortgage rates, potential scenarios for decline, and how you can act strategically in the meantime. What D