Reverse Mortgage
A reverse mortgage lets homeowners 62+ access their home equity without selling or making monthly mortgage payments. Stay in your home, supplement retirement income, and live with confidence.
What is Reverse Mortgage?
A reverse mortgage — specifically a Home Equity Conversion Mortgage (HECM) insured by the FHA — is one of the most powerful retirement tools available to homeowners 62 and older.
You convert home equity into tax-free cash without selling or making monthly mortgage payments. You keep the title, you stay in the home, and you continue paying property taxes, insurance, and upkeep — but the mortgage payment goes away.
The loan is repaid when you sell the home, move out permanently, or pass away. Importantly, the loan is non-recourse: neither you nor your heirs will ever owe more than the home is worth, regardless of how the loan balance grows over time.
Who qualifies?
This program is built for borrowers who match the criteria below. If you're not sure, send us a quick message and we'll confirm in minutes.
Talk To An Officer- Homeowners 62 or older
- Borrowers with significant home equity
- Retirees needing income, line of credit, or lump sum
- Anyone wanting to pay off an existing mortgage in retirement
Key benefits
Supplement Retirement Income
Convert equity into a steady cash flow for the lifestyle you've earned.
Remain in the Home
You keep title and live in the home as long as it remains your primary residence.
Flexible Payment Options
Lump sum, monthly payments, line of credit, or any combination.
Non-Recourse Protection
You or your heirs will never owe more than the home is worth.
How it works
Counseling
HUD-required counseling ensures you fully understand the product.
Apply
Standard application focusing on age, equity, and ability to maintain taxes/insurance.
Appraise
A specialized appraiser confirms current home value.
Close
Sign at closing and choose your payout option.
Frequently Asked
Get a personalized Reverse Mortgage quote.
Tell us a little about your scenario. We'll come back to you with real numbers — within one business hour.
No commitment. No fees. No surprises.