Who I Am & What This Page Is For
I’m Whitney Shoemaker, a Reverse Mortgage Realtor® with a background in HUD-HECM servicing. I help heirs, executors, and attorneys understand their options for the property when a HUD reverse mortgage becomes due — including short sales, heir payoffs, and selling the home.
I am not HUD, not CompuLink, and I do not service your loan. This page gives simple, general explanations so you know what to send where and when to contact me for the real-estate part. Correspondence to CompuLink-HUD goes to answers@hud.gov. My email is reversemortgagerealtor@gmail.com
1) Where do I send insurance, taxes, and the occupancy cert?
Send documents to your servicer using the address on your letter or statement. If your notice references HUD or CompuLink, use Answers@HUD.gov. I do not receive or process your statements or forms.
2) Why did my statements stop?
This usually happens when an occupancy certification isn’t returned, insurance/tax proof is missing, or the borrower has passed away or moved. It’s normal.
3) Can you talk to HUD or CompuLink for me?
HUD only speaks to borrowers or authorized parties. I can explain what they will ask and provide a Third Party Authorization form if you want me to speak with them.
4) What should heirs do first?
If a borrower has passed, contact me so we can review options (sell, keep, heir payoff, short sale). You’ll need a death certificate and proof of authority to act for the estate.
5) What if the home is upside-down or needs repairs?
HUD allows short sales even when the value is lower than the loan. Do not make repairs before talking to me. I coordinate the full HUD short sale process.
6) When should I call you?
Anytime you receive a Due & Payable letter, need to sell, or need guidance with an heir payoff or short sale.
7) What is a non-recourse loan?
HECMs are non-recourse, meaning HUD and the servicer cannot pursue heirs for more than the home’s value. Estate assets are protected.
8) How long do heirs have?
Generally 6 months from date of death to notify the servicer and show intent. Extensions are common.
9) What happens to a non-borrowing spouse?
A qualifying non-borrowing spouse may remain in the home if they were married at origination, submit required documents, and keep taxes/insurance current.
10) Why are there two mortgages on a reverse mortgage?
All HECMs have two mortgages: a 1st mortgage with the loan balance and a 2nd $0 balance HUD insurance mortgage. After payoff, HUD initiates two release timelines. CompuLink typically completes releases within 15 business days after receiving Treasury funds.