Louisiana
More seniors turning to reverse mortgages amid Louisiana’s insurance crisis
NEW ORLEANS (WVUE) – With property insurance costs in Louisiana spiraling out of control, seniors are increasingly turning to reverse mortgages for financial relief.
Alison Calamaia at America’s Mortgage Resource says she’s been getting more calls from homeowners asking about reverse mortgages.
“A lot of my calls start with clients asking about whether or not they should get a reverse mortgage,” said Calamia. “My next question is why are you calling? What has occurred that made you make this phone call? Currently, they say my insurance just went through the roof.”
A majority of Calamia’s clients are in their golden years and on fixed incomes. She says the soaring cost of homeowners insurance creates a financial burden many of them can’t afford because they never anticipated the price of insurance premiums to climb so high.
“I currently have a woman right now, her insurance went from $3,000 to $14,000. She can’t afford to pay that any longer,” she said. “She does have a mortgage on her property, and she might lose her house if she can’t make that mortgage payment.”
Even those without mortgages, like Cheron Brylski of Uptown New Orleans, are feeling the pressure. Brylski put her home up for sale earlier this summer, citing property insurance and taxes as key reasons for her decision.
“It’s basically making living in a house that I own, and I own outright, impossible for me to stay here,” Brylski told us in June.
Calamia said the fear of losing one’s “forever” home is becoming more common among her clients.
“Most of the time it’s the house where they raised their children. And we live in the South. We don’t want to leave that house. We want to stay put,” she explained.
INSURANCE CRISIS
To stay put, Calamia says a growing number of people are considering reverse mortgages to create another line of money. Details of mortgages and reverse mortgages can be confusing and often filled with financial language unfamiliar to many people. That can often lead to several myths about reverse mortgages said Calamia, who tried to boil down the information for this reporter to understand.
“In a nutshell, it is a mortgage against the home that allows for a percentage of the property value to be used as a stream of monthly income, a line of credit, or a lump sum to pay existing mortgages, but it does not come with a monthly payback as long as the borrower lives in the home. They do have to pay taxes and insurance, but there’s not that principal and interest part of it. In essence, the house is going to pay for the principal that they would receive and the interest on it over time instead of physically making a traditional mortgage payment, the house is paying for it,” said Calamia.
The borrower can use the line of cash or credit generated through a reverse mortgage to pay for things like property insurance. Calamia says reverse mortgages often get a bad reputation. Much of her work involves walking clients through a process to determine if a reverse mortgage would be appropriate for their financial situation.
“One of the biggest reasons myths about reverse mortgages is I can’t get a reverse mortgage if I still owe money on my home. That’s not true. However, in a reverse mortgage the available funds, which is a percentage of the property value, there needs to be enough in the reverse mortgage to pay off that mortgage plus cover the closing costs. We don’t have any out-of-pocket cost so the cost of getting the loan is worked into the loan. People also think they won’t keep the title to their home. They do keep that title as long as they just live in it. And one day, when the mortgage is due and payable, which is usually after the borrower has sold the property or has permanently moved out of the home. When the loan becomes due and payable, any amount that was given to the borrower is paid back along with interest on it over time. There’s no end date. The date is when they no longer live there usually after death,” Calamia said.
Reverse mortgages may not be suitable for everyone. But during a time when many people are trying to find ways to cover the cost of sky-high property insurance, Calamia believes it can help seniors stay in their forever homes.
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Louisiana
Federal appeals court upholds Texas’ Ten Commandments law. What does it mean for Louisiana?
A federal appeals court on Tuesday upheld a Texas law requiring public schools to post the Ten Commandments, just weeks after the same court allowed a similar Louisiana law to take effect.
A majority of judges on the 5th U.S. Circuit Court of Appeals ruled that Texas’ law, which is nearly identical to Louisiana’s, is constitutional and does not violate students’ religious freedom. In February, the court lifted an injunction on Louisiana’s law, which cleared schools to put up the posters, but the judges said it was too early to rule on that law’s constitutionality.
Tuesday’s ruling could bode well for Louisiana’s law if it eventually returns to the 5th Circuit, considered the country’s most conservative federal court of appeals.
In their majority opinion, the judges rejected the argument that posting the Ten Commandments in classrooms would pressure students to honor the biblical mandates or adopt particular beliefs.
“To plaintiffs, merely exposing children to religious language is enough to make the displays engines of coercive indoctrination. We disagree,” the majority wrote about the Texas law, known as S.B. 10. A minority of the court’s active judges dissented.
Even though Tuesday’s ruling only addressed the Texas case, defenders of Louisiana’s legislation celebrated it as a victory. Louisiana Attorney General Liz Murrill said the 5th Circuit’s argument in upholding Texas’ law was identical to the one Louisiana made in defense of its law.
“Our law clearly was always constitutional,” she posted on X, “and I am grateful that the Fifth Circuit has now definitively agreed with us.”
Louisiana’s Republican-controlled Legislature passed the law in 2024, which requires all public K-12 schools and colleges to display the Ten Commandments in every classroom. A group of parents quickly challenged the law in court, and a federal judge issued a preliminary injunction that stopped the state from enforcing the law.
In February, the 5th Circuit reversed the lower court’s decision, saying it had been premature to block the law before it took effect. The judges said they could not rule on the law’s constitutionality before seeing how it played out in schools.
But in the case of Texas’ law, which that state’s Republican-led Legislature passed in 2025, the court did rule on the merits.
Rejecting arguments made by attorneys for the Texas families who challenged the law, the 5th Circuit majority said that requiring public schools to post the Ten Commandments does not amount to the government endorsing a particular religion, which the U.S. Constitution forbids. The law also does not impose religious beliefs on students, the judges wrote.
“As noted, S.B. 10 authorizes no religious instruction and gives teachers no license to contradict children’s religious beliefs (or their parents’),” the majority opinion says. “No child is made to recite the Commandments, believe them, or affirm their divine origin.”
The Texas families were represented by the American Civil Liberties Union, ACLU of Texas, Americans United for Separation of Church and State, and the Freedom From Religion Foundation, with the law firm Simpson Thacher & Bartlett LLP serving as pro bono counsel. The same groups, including Louisiana’s ACLU chapter, represented the Louisiana families.
In a statement Tuesday, the organizations said they are “extremely disappointed” by the 5th Circuit’s ruling, adding that they expect to appeal to the U.S. Supreme Court.
“The First Amendment safeguards the separation of church and state, and the freedom of families to choose how, when and if to provide their children with religious instruction,” the groups said. “This decision tramples those rights.”
Nearly all major industries in Louisiana added jobs over the past year, signaling momentum for a stronger future, according to a recent report from Leaders for a Better Louisiana.
The organizat…
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SHREVEPORT, La. (KTAL/KMSS) — Police say a man shot and killed eight children, including seven of his own, following a domestic dispute in Shreveport.
The incident took place early Sunday morning, April 19, on West 79th Street in the Cedar Grove neighborhood. According to the Caddo Parish Coroner’s Office, the victims included three boys and five girls, aged between three and 11-years-old. Seven of the children were siblings, while one was a cousin. Two adult females were also injured, including one who was shot at a home located in the 500 block of Harrison Street.
One of the adults was inside the home on West 79th Street when the children were killed. She managed to escape through a window with two of the children and reached the roof. The woman jumped down with one of the children. Unfortunately, the other child did not manage to escape. Police later found his body on the roof with a gunshot wound. The surviving child was taken to the hospital with a broken leg.
The children were identified by their mothers as Jayla (age 3), Shayla (age 5), Kayla (age 6), Layla (age 7), Markaydon (age 10), Sariahh (age 11), Khedarrion (age 6), and Braylon (age 5).
Authorities say the suspect and father of the victims, Shamar Elkins, was the only person who fired shots that led to the juveniles’ deaths.
Authorities noted that Elkins stole a vehicle near West 79th Street after he shot the victims. He was pursued by patrol officers into Bossier Parish, where they discharged their weapons and fatally shot him on Brompton Lane. Louisiana State Police will take over the investigation involving the officers.
Shreveport Mayor Tom Arceneaux expressed his thoughts on the matter, saying, “We have a hurting community. We have hurting families. We have hurting police officers, coroner’s personnel, fire department, sheriff people, and this affects the entire community. We all mourn with these families. I ask, it’s a Sunday morning. I ask all of you who are, who are listening, who might be able to. Pray at your services this morning for not just this family, for all the victims, for the victims who are at the hospital, and for the Cedar Grove community and for the community at large.”
Attorney General Liz Murrill also commented on the tragic shooting, stating, “Multiple law enforcement agencies are investigating this tragic situation. We do not yet know all the details, but I am deeply saddened by the senseless loss of life. I’m praying for the victims and their family members in the wake of this devastating violence.”
According to the Director of Strategy and Communications, Mary Nash-Wood, two of the children attended Summer Grove, and at least four attended Linwood Charter School.
The police have not determined a motive. More updates will be provided as the information becomes available.
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