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Homeowners/Brunson, SC/Reverse Mortgage

Reverse Mortgage Issues in Brunson, SC

Reverse mortgage issues in Brunson, 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 Brunson, 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 Brunson

Reverse Mortgage and Probate Attorneys

The Law Office of Michael J. Howell, P.A.

Attorney Michael J. Howell, Certified by the South Carolina Supreme Court as a Specialist in Estate Planning and Probate Law. USC School of Law 1977. Over 40 years of experience with wills, trusts, probate litigation, will contests, guardianships, and asset protection. Former SC Bar Board of Governors member (2006–2009). Certified Mediator for Circuit and Probate Court.

Michael Howell estate planning services

Wilson Law Firm

John L. Wilson has practiced probate, estate planning, and trust administration in the SC Lowcountry since 1981. 43 years of experience. Admitted to the U.S. Tax Court and U.S. Supreme Court. Serves clients across Beaufort, Hampton, Jasper, and Colleton counties.

Wilson Law Firm estate services

Senior Support Resources

Hampton County Council on Aging

Services for Hampton County residents 60 years of age and older including transportation, home-delivered meals, and home care assistance.

(803) 914-2100

201 Jackson Avenue West, Hampton, SC 29924

Hampton County aging services

HUD and Homeownership Counseling

HUD National Counselor Hotline

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

Find a HUD counselor

HOPE Homeowner Hotline

Free 24/7 foreclosure prevention counseling and mortgage assistance referral service available to Hampton County homeowners.

HOPE homeowner hotline

State and Local Hardship Support

Hampton County Treasurer — Real Estate Taxes

Property-tax payment support, delinquent-tax information, and online payment processing for Hampton County homeowners.

Hampton County tax services

Call 211

Local referral line for utility, food, and emergency financial assistance programs.

Dial 211

Free and Low-Cost Legal Aid

South Carolina Legal Services — Beaufort Office

Free civil legal aid for qualifying low-income residents in Hampton, Beaufort, Jasper, Allendale, and Colleton counties.

(843) 524-4611

103 Carteret Street, Beaufort, SC 29902

SC Legal Services Beaufort

Reverse Mortgage Real Estate Agents in Brunson

Chamiese Evans — Licensed Realtor

Specializing in helping Brunson 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 Brunson?

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 Brunson?

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 Brunson

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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