Notes from Tom
Short, dated notes on what's happening now: deadlines, rule changes, scam warnings, and answers to questions families ask me. For the full story on any topic, see the guides.
Tom explains · Nov 4, 2026
Set-asides, in plain words: pay your taxes and insurance on time
What a Life Expectancy Set-Aside (LESA) is, who usually needs one, the difference between fully and partially funded, what it costs you, and the habit that helps you avoid one, from Tom Jarboe.
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Scam alert · Nov 3, 2026
Scam alert: home title fraud, and anyone who asks for your deed
California's DFPI warned in June 2026 that title thieves target older homeowners. The red flags, the free county alerts, and where to report.
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How-to · Nov 3, 2026
What to bring to reverse mortgage counseling (a checklist)
Papers to gather, questions to ask, who has to come, how long it takes and what it costs, for your required HUD-approved reverse mortgage counseling.
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Deadline · Nov 3, 2026
Property tax deadlines, now through April: Dec. 10, 2026 and April 12, 2027
LA and San Bernardino County 2026-27 property tax dates, why unpaid taxes matter more with a reverse mortgage, and what to do if you're behind.
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Myth vs. fact · Nov 3, 2026
Myth of the week: "The bank takes your house"
With a reverse mortgage you keep the title, and a HECM is non-recourse. Here's the truth, plus the real downsides that can cost you the home.
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