The HECM Saver is a revolutionary new loan that allows the borrower to have all of the benefits of a reverse mortgage while paying much lower fees. It does also give the borrower about 20% less cash out though. To some it is worth it to get less money in order to eliminate most of the fees associated with traditional reverse mortgages. The Saver comes in ARM or Fixed form and follows the same rules as a traditional reverse. Basically they are a fraction of the cost with a little less cash out as compared to the traditional reverse. Because of the low fees, more and more people are interested in the Saver and therefore reverse mortgages.