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Here are some of the terms used to describe reverse mortgages: Reverse mortgage or Reverse Loan- A loan that allows senior homeowners to access the equity in their homes. HECM - Home Equity Conversion Mortgage - A federally insured reverse mortgage. Reverse Mortgage Lender or Reverse Mortgage Provider - A lender that specializes in reverse mortgages. Reverse Mortgage Estimate – A estimate of the loan proceeds and cost. Reputable Reverse Mortgage Company - A reverse mortgage lender with a good reputation. Top Rated Reverse Mortgage Company - A reverse mortgage lender that has been rated highly by customers or independent organizations. 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