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Homeowners/Blythewood, SC/Reverse Mortgage

Reverse Mortgage Issues in Blythewood, SC

Reverse mortgage issues in Blythewood, SC require understanding heir timelines, non-recourse protections, and HECM counseling requirements. Find local elder law attorneys and HUD counselors.

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Situation overview

Reverse mortgage issues in Blythewood, SC often arise when the borrower dies or enters long-term care. Under SC law (SC Code Title 29, Chapter 4), reverse mortgage applicants must receive independent counseling through the SC Housing Finance Authority. Heirs have 6-12 months to act, and HECM loans are non-recourse.

What to do first

Reverse mortgages become urgent when the borrower dies, moves to long-term care, or falls behind on taxes and insurance. Heirs have 6-12 months to act, and understanding the non-recourse protection prevents overpaying.

Start with

  1. Notify the loan servicer within 30 days of the borrower's death and request extension deadlines in writing.
  2. Get a current appraisal — heirs can pay off the loan at 95% of appraised value if it is less than the balance.
  3. Consult an elder law attorney about Medicaid lookback rules if the borrower is entering a nursing facility.

Avoid

  1. Assume heirs are personally liable for the reverse mortgage balance — HECM loans are non-recourse.
  2. Wait beyond 30 days to contact the servicer — delays can trigger accelerated foreclosure timelines.
  3. Make decisions without understanding the 12-month occupancy rule for borrowers in care facilities.

SC law reference

Key legal facts for reverse mortgage situations in South Carolina.

Foreclosure type
Judicial foreclosure via Court of Common Pleas unless non-judicial power of sale is expressly authorized.

Step-by-step action plan

A starting path you can follow before committing to any contract or agreement.

  1. Contact a HUD-approved HECM counselor to understand your options — required for any reverse mortgage action.
  2. If you are an heir, notify the loan servicer within 30 days and request the full payoff amount.
  3. Consult an elder law attorney before making decisions about the property, especially regarding Medicaid implications.

Who to contact in Blythewood

Reverse Mortgage and Probate Attorneys

Kirby Law, LLC — Angela M. Kirby

CPA and attorney with 25+ years of experience. Former Associate Probate Judge for Richland County Probate Court (5 years). Certified Specialist in Estate Planning and Probate Law by the SC Supreme Court since 2005. Named Super Lawyer consecutive years.

Kirby Law estate planning

Sweeny, Wingate & Barrow, P.A. — Ken Wingate

USC School of Law graduate, former CPA, and Certified Specialist in Estate Planning and Probate Law. Listed in Best Lawyers in America and SC Super Lawyers. Past president of Richland County Bar Estate Planning, Probate and Trust Law Section.

Sweeny Wingate Barrow estate planning

Senior Support Resources

Senior Resources — Richland County

Local aging services provider contracted by Central Midlands AAA. Offers home-delivered meals, transportation, wellness programs, and caregiver support for Richland County residents over age 60.

Senior Resources of Richland County

Central Midlands Area Agency on Aging

Regional aging services for Fairfield, Lexington, Newberry, and Richland counties. Coordinates home-delivered meals, caregiver support, Medicare counseling (SHIP), and elder-rights programs.

Central Midlands AAA aging services

HUD and Homeownership Counseling

HUD National Counselor Hotline

Referral line for HUD-approved housing counselors serving Blythewood and Richland County homeowners facing mortgage hardship.

Find a HUD counselor

Richland County Financial Programs

SC LIHEAP — Utility Assistance

Low-Income Home Energy Assistance Program helps Richland County homeowners with utility bills to avoid service shutoff.

LIHEAP information

Free and Low-Cost Legal Aid

SC Legal Services — Columbia Office

Free civil legal help for eligible low-income Richland County residents. Covers housing, foreclosure, consumer, and family-law matters.

SC Legal Services

LawHelp.org South Carolina

Online directory of free legal resources, self-help guides, and pro bono attorneys available in Richland County.

LawHelp SC

Reverse Mortgage Real Estate Agents in Blythewood

Chamiese Evans — Licensed Realtor

Specializing in helping Blythewood homeowners navigate reverse mortgage situations — whether that means selling, negotiating, or exploring every option before making a decision. NorthGroup Real Estate.

Visit listrobin.com

Common questions

What happens to a reverse mortgage when the borrower dies in Blythewood?

Heirs have 6 months (with up to two 90-day extensions) to pay off the loan — by selling the home, refinancing, or paying the balance. Under federal non-recourse rules, heirs never owe more than 95% of the home's appraised value, even if the loan balance is higher.

Can I sell a home with a reverse mortgage in Blythewood?

Yes. The reverse mortgage is paid off from the sale proceeds at closing, just like any other mortgage. If the home value exceeds the loan balance, the remaining equity goes to the borrower or heirs.

What if the reverse mortgage borrower moves to a nursing home?

If the borrower is absent from the home for more than 12 consecutive months and no co-borrower lives there, the loan becomes due and payable. Document intent to return and communicate with the servicer to explore deferral options.

Related situations in Blythewood

Homeowners dealing with reverse mortgage often face overlapping issues. These resources may also help.

InheritanceProbateMedical Hardship

Reverse Mortgage in other cities

Researched by CC Evans, Marketing Analyst — RobinOffer

Last reviewed: February 2026

This directory is for informational purposes only. It does not constitute legal, financial, or tax advice. Confirm all options with licensed counsel or a qualified financial professional before signing any agreement.

Sources: SC Code of Laws · HUD.gov · CFPB.gov

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