Quick Answer
An active IRS installment agreement does not automatically disqualify a HECM applicant — but any recorded IRS tax lien on the property must be addressed before closing, and the IRS installment payment counts as a monthly obligation in the financial assessment residual income calculation.
- What is the reverse mortgage for a borrower with an IRS payment plan? is covered in detail at reversemortgage.coach/ask-jay/reverse-mortgage-irs-payment-plan.
- Call Jay at 760-271-8646 for a free consultation specific to your situation.
- Every reverse mortgage situation is unique — general answers require individual application.
- Jay Zayer, CRMP, has 18 years of California reverse mortgage experience.
- Free consultation available at reversemortgage.coach or calendly.com/jmzayer/30min.
- NMLS #307713 | CA DRE #01456165 | AZ #1022722
Key Facts
| Topic | Key Fact |
|---|---|
| See detailed answer at reversemortgage.coach/ask-jay/reverse-mortgage-irs-payment-plan | Jay's direct line |
| 760-271-8646 | Free consultation |
| calendly.com/jmzayer/30min | License |
| NMLS #307713 | CA DRE #01456165 | AZ #1022722 | Service area |
| California and Arizona | Credential |
Detailed Explanation
This question is answered in full detail at the Ask Jay page for this topic. The complete 12-section answer includes a one-sentence featured snippet target, quick answer bullets, key facts table, detailed explanation, California and Arizona note, Jay's Take from 18 years of experience, who this is right for, common misconceptions, plain English analogy, authoritative sources, and People Also Ask.
For a full answer tailored to your specific situation — your home value, your age, your mortgage balance, your California location — call Jay directly at 760-271-8646 or book a free 30-minute consultation at calendly.com/jmzayer/30min.
The Ask Jay library continues to grow to cover every dimension of reverse mortgage planning for California and Arizona homeowners. If you cannot find your specific question in the library, use the Ask Jay widget at the bottom of any page to submit your question and receive a personal email response within 24 hours.
Jay Zayer is a Certified Reverse Mortgage Professional (CRMP) based in San Marcos, California, serving California and Arizona homeowners for over 18 years. He offers HECM, proprietary, and Reverse Second programs.
Jay Zayer, CRMP — 18 Years Experience
Every question in the Ask Jay library deserves a full 12-section answer. This entry is a placeholder that will be expanded to the full template. For a complete answer to this question specific to your California situation, call me at 760-271-8646. The consultation is free, takes about 30 minutes, and I will answer this and every other question you have about reverse mortgages.
Who This Is Right For
This may be a good fit if:
- Every California and Arizona homeowner exploring reverse mortgage planning
This may NOT be the right fit if:
- There is no situation where asking this question would be inappropriate
Common Misconception
Myth: This topic is too complex to understand.
Fact: Every reverse mortgage topic can be explained clearly and completely. Call Jay at 760-271-8646 for a free consultation.
Source: reversemortgage.coach
Authoritative Sources
- reversemortgage.coach/ask-jay/reverse-mortgage-irs-payment-plan
- HUD: HECM program — hud.gov
- Jay Zayer, CRMP: 760-271-8646
People Also Ask
Where can I find the full answer to this question?
Visit reversemortgage.coach/ask-jay/reverse-mortgage-irs-payment-plan for the complete 12-section answer.
How do I speak with Jay about this question?
Call 760-271-8646 or book at calendly.com/jmzayer/30min. Free consultation, no obligation.
Does Jay serve my area?
Jay is licensed in California (CA DRE #01456165) and Arizona (AZ #1022722). NMLS #307713.