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Reverse Mortgage

A reverse mortgage enables homeowners, age 62 and older, to tap into the equity in their home.

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    No Repayment Required

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    Defer Social Security Benefits

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    Improve Your Retirement Income Plan

A military couple with keys to new home from VA home loan.
A military couple with keys to new home from VA home loan.
Reverse Mortgage

A reverse mortgage enables homeowners, age 62 and older, to tap into the equity in their home.

  • Check

    No Repayment Required

  • Check

    Defer Social Security Benefits

  • Check

    Improve Your Retirement Income Plan

Google Rating

“Rising real estate values and favorable interest rates have prompted more retirees than ever to tap into their home’s value.”

Joel Johnson, Forbes

Leveraging

Reverse Mortgages

Retired couple enjoying retirement using reverse mortgage.

Refinance

Pay off your existing mortgage, eliminating that monthly payment and accessing additional equity for retirement needs.

Retired couple purchases new home using reverse mortgage.

Purchase Money

Using a reverse mortgage to purchase a home. Buying “up” or stretching precious retirement liquidity while securing housing without a mortgage payment.

Retired couple optimized retirement using reverse mortgage.

Part of a Retirement Planning Solution

Use a reverse mortgage as part of your overall retirement strategy to improve your financial security.

Retired couple dancing and happy with tax free equity from reverse mortgage.
Tax Free

Financial Moves

Homeowners can tap into an often overlooks asset, their home equity.

A federally insured reverse mortgage, known as a Home Equity Conversion Mortgage or HECM can help you enjoy a more comfortable retirement.

  • Increase monthly cash flow

  • Cover healthcare costs

  • Leave stocks untouched during market downturns

Retired friends using reverse mortgage as part of their retirement strategy.
Part of Your

Retirement Strategy

Increased Home Values Turn The Tide on Reverse Mortage Perceptions

Unlike a traditional mortgage, which is considered a forward loan, a reverse mortgage doesn’t involve making payments to a lender. Instead, you hold onto the title, and the lender uses your home as collateral to make loan payments to you.

  • Access lump sum, monthly payments, or a line of credit

  • No limitations on how you use the funds

  • Reverse mortgages are gaining popularity as a financial tool in retirement planning

Reverse Mortgage FAQs

Frequently Asked Questions


Could the bank ever foreclose on my home?

Today’s reverse mortgages are “non-recourse loans.” That means that this is a great way to protect the property of aging homeowners, as the bank can’t foreclose on the property till the owners pass. When they pass, the only amount the bank can take is the amount owed on the mortgage. All remaining equity value is passed to the estate. And, if the surviving estate is capable of paying the amount owed in full, either through another loan or available funds, the property can remain in the family without being sold.

Could my spouse ever be evicted from our home?

As of today, if the borrower is married, both individuals are included in the underwriting of the reverse mortgage. If the spouse was not 62 years old yet, this guideline prevents the mortgage from being called “due” in the event of the borrower’s death. Now the borrower and spouse can remain on the title.

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    Couple requesting consult for a reverse mortgage.