A reverse second-lien mortgageIndustry leaders say these offerings are quickly gaining traction and could play a larger role in retirement planning in the years ahead. Finance of America, for one, has reported strong interest in its “HomeSafe Second” program, which it says is the only reverse second-lien mortgage available in the U.S. The product allows borrowers to retain their existing low-rate first mortgage while taking out a reverse second lien with no monthly payments. Pistone said proprietary reverse mortgages could soon become a mainstream part of retirement planning and wealth management. “It allows retirees to tap into home equity for longevity planning, portfolio diversification, or even delaying Social Security claims to maximize benefits.”