Reverse Mortgages

Turn Your Home
Into Tax-Free Income.

A HECM reverse mortgage lets homeowners 62+ access their home equity without monthly payments — so you can retire on your terms.

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62+
Minimum age to qualify for a HECM reverse mortgage
$0
Required monthly mortgage payments while you remain in the home
FHA
Government-insured through the Federal Housing Administration
The Basics

What Is a Reverse Mortgage?

If you’re 62 or older and own a home, you may be sitting on one of the largest untapped financial resources you have—your home equity..

A Home Equity Conversion Mortgage (HECM) is a federally insured loan that allows homeowners 62+ to convert a portion of their home equity into cash.

Unlike a traditional mortgage, you don't make monthly payments to the lender. The loan balance grows over time and is repaid when you sell the home, move out, or pass away.

You retain full ownership of your home throughout the life of the loan, and FHA insurance protects you if the loan ever exceeds the home's value.

🏡
You Stay in Your HomeYou keep full title and ownership. The loan comes due only when you permanently leave.
💰
Flexible Payout OptionsReceive funds as a lump sum, monthly payments, a line of credit, or any combination.
🛡️
Non-Recourse ProtectionYou or your heirs will never owe more than the home is worth at the time of sale.
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HUD-Approved Counseling RequiredIndependent counseling ensures you fully understand the loan before proceeding.
The Process

How It Works

1
Free Consultation
We review your home value, equity position, and goals to see if a HECM is the right fit.
2
HUD Counseling
You complete a short session with a HUD-approved counselor — required by law and fully independent.
3
Application & Appraisal
We handle the paperwork and coordinate an FHA appraisal to confirm your home's value.
4
Funding
Loan closes and you receive your funds — lump sum, line of credit, or monthly disbursements.
Common Questions

Myths vs. Reality

Myth
"The bank takes my home."
Reality: You retain full ownership. The lender has a lien — just like a traditional mortgage — but the home is yours.
Myth
"My heirs will be stuck with debt."
Reality: HECM loans are non-recourse. Heirs can sell the home, pay off the balance, and keep any remaining equity.
Myth
"It's only for people who are broke."
Reality: Financial advisors increasingly recommend HECMs as a strategic retirement tool for affluent homeowners.
Myth
"I can't get one if I have a mortgage."
Reality: You can use the HECM to pay off your existing mortgage — eliminating that monthly payment entirely.
Eligibility

Who Qualifies?

  • Age 62 or older (at least one borrower)
  • Primary residence — must live in the home
  • Sufficient home equity (typically 50%+)
  • Ability to maintain property taxes & insurance
  • Single-family, FHA-approved condo, or 1–4 unit home
  • Complete a HUD-approved counseling session
By the Numbers
Key facts about reverse mortgage borrowers
73
Average age of a HECM borrower
$300K+
Average home equity accessed
1.3M+
Active reverse mortgage loans in the U.S.

Find Out What Your Home Equity Could Do

A free 20-minute call is all it takes to see if a reverse mortgage makes sense for your retirement plan.

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