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selling your home with a reverse mortgage home equity vs mortgage home equity conversion Mortgage (HECM) – A home equity conversion mortgage (HECM) is a type of federal housing administration (fha) insured reverse mortgage. home equity conversion mortgages allow seniors to convert the equity in their home.Selling the family home | ASIC’s MoneySmart – Learn more about downsizing, selling the family home and the implications for your age pension. Visit ASIC’s MoneySmart website for more information.