Are You 62 or Older and Own Your Home?
A Reverse Mortgage allows eligible homeowners aged 62 and older to convert a portion of their home equity into tax-free funds with no required monthly mortgage payments as long as you live in the home.
Keep full ownership of your property. Receive funds as a lump sum, monthly payments, or a flexible line of credit.
Our HUD-approved advisors will walk you through every detail, completely free of charge.
Understanding Your Options
A Smarter Way to Use the Equity You’ve Spent a Lifetime Building.
A Reverse Mortgage also known as a Home Equity Conversion Mortgage or HECM is a federally insured loan program designed specifically for homeowners aged 62 and older. It allows you to convert a portion of your home’s equity into accessible funds without requiring you to sell your home, move out, or make monthly mortgage payments.
Unlike a traditional mortgage where you pay the bank every month, with a Reverse Mortgage the lender pays you or makes funds available to you. You remain the owner of your home. You continue to live in it.
The loan only becomes due when you sell the home, move out permanently, or pass away. At that point, the home is typically sold and the loan is repaid from the proceeds. Any remaining equity belongs entirely to you or your heirs.
Unlock the Value of Your Home Without Giving It Up
Turn a portion of your home equity into tax-free funds while continuing to live in and own the home you love. No required monthly mortgage payments as long as you meet program requirements.
Eliminate Your Monthly Mortgage Payment
Free up your monthly budget by eliminating required mortgage payments while continuing to live in your home.
Receive Funds the Way That Works Best for You
Access your home equity as a lump sum, monthly income, or flexible line of credit based on your needs.
Keep Full Ownership and Stay in Your Home
Remain the owner of your home and continue living there as long as it remains your primary residence.
Qualification Requirements Are Simpler Than Most People Think
Many homeowners assume a Reverse Mortgage is difficult to qualify for, but the basic requirements are straightforward.
You are 62 years of age or older
Your home is your primary residence
You own your home or have significant equity
The property meets FHA eligibility requirements
The fastest way to know for sure is to complete a free eligibility review.
From Eligibility Check to Funding Here's What to Expect
Our process is designed to be simple, transparent, and completely pressure-free. We'll help you understand your options every step of the way.
Eligibility Review
Complete a quick assessment to determine your initial qualification.
Consultation
Speak with a licensed specialist who will explain available options.
Application & Approval
We guide you through documentation and lender requirements.
Receive Your Funds
Choose the payment option that best supports your retirement goals.
Every Homeowner Has Different Goals
A Reverse Mortgage isn't just about accessing cash it's about creating greater financial flexibility and peace of mind.
Homeowners commonly use their funds to supplement retirement income, pay healthcare expenses, eliminate existing mortgage debt, complete home improvements, build emergency savings, or simply enjoy retirement with greater confidence.
Helping Homeowners Make Informed Financial Decisions
Our goal is not to sell you a loan. Our goal is to help you understand your options so you can make the decision that's right for your future.
We believe in education, transparency, and personalized guidance throughout the entire process.
Frequently Asked Questions
Will I still own my home?
Yes. With a Reverse Mortgage, you remain the legal owner of your home and keep the title. As long as the home remains your primary residence and you meet loan obligations, you can continue living there.
Are the funds I receive taxable?
Generally, Reverse Mortgage proceeds are not considered taxable income because they are loan proceeds rather than earnings. However, you should consult a qualified tax advisor regarding your specific situation.
What happens when I pass away?
When the last borrower permanently leaves the home or passes away, the loan becomes due. The home is typically sold, the loan balance is repaid, and any remaining equity belongs to you or your heirs.
Can I leave my home to my heirs?
Yes. Your heirs can choose to sell the property and keep any remaining equity after the loan is repaid, or they may be able to refinance and keep the home if they wish.
How much money can I receive?
The amount depends on several factors, including your age, home value, current interest rates, and the amount of equity available in your property.
Find Out If a Reverse Mortgage Is Right for You
Speak with a licensed specialist and receive a free, no-obligation eligibility review.
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