Unlock Your Home Equity While Remaining Comfortably in Your Home
A Home Equity Conversion Mortgage (HECM) enables homeowners to convert built-up equity into dependable, tax-free cash flow with no required monthly mortgage payments.
FHA Government-Insured Security
Non-recourse consumer protections guarantee your safety and peace of mind.
Key Benefits of a Reverse Mortgage
Designed specifically to help mature homeowners supplement retirement income, manage healthcare costs, and eliminate ongoing monthly housing payment pressures.
Eliminate Required Monthly Payments
Unlike traditional mortgages, you are not required to make monthly principal and interest payments. You remain responsible for property taxes, homeowners insurance, and property maintenance.
Retain Full Title and Home Ownership
You stay on the title of your property and continue living in your home as your primary residence. The bank does not take title to your property.
FHA Government Protections
HECM loans are insured by the Federal Housing Administration. They are non-recourse loans, meaning you or your heirs will never owe more than the home is worth upon sale.
Flexible Payout Structures
Receive your proceeds as a lump sum, a growing line of credit that increases over time, regular monthly income disbursements, or any combination that fits your lifestyle.
Frequently Addressed Reverse Mortgage Questions
Who is eligible for a Home Equity Conversion Mortgage (HECM)?
Generally, homeowners age 62 and older (or age 55 and older under select proprietary reverse mortgage programs) who own their home outright or have substantial accumulated equity, and occupy the home as their primary residence.
Can the lender take my house if I outlive the loan?
No. As long as you continue to live in the home as your principal residence, keep property taxes and homeowners insurance current, and maintain the home, you can remain in your residence indefinitely.
What happens to the home when I pass away or move?
Your heirs inherit the property and can choose to keep it by refinancing the outstanding loan balance, or sell the property. Any remaining equity above the loan balance belongs entirely to your heirs.
Are reverse mortgage proceeds taxable?
Reverse mortgage loan disbursements are considered loan advances, not earned income, and are generally not subject to federal income taxes. We recommend consulting your tax advisor for personalized advice.
Request A Complimentary Reverse Mortgage Consultation
We take the time to answer all questions for you and your family with complete respect and transparency. Discover how much tax-free equity you may qualify to receive.
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Complimentary Reverse Mortgage Assessment
Share your age, estimated home value, and goals for an honest, confidential evaluation. No obligation. No pressure. Just straightforward information about your options.