Is a Reverse Mortgage Right for You?

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The Lowdown on Reverse Mortgage Loans...

Our Reverse Mortgage Rates Are Low & Our Process is Quick & Painless

A reverse mortgage is a loan for seniors age 62 and older. HECM reverse mortgage loans are insured by the Federal Housing Administration (FHA) and allow homeowners to convert their home equity into cash with no monthly mortgage payments.

While most reverse mortgages are insured by the Federal Housing Administration (FHA) through its Home Equity Conversion Mortgage (HECM) program, there are also a rising number of non-FHA reverse mortgages known as proprietary or jumbo reverse mortgages starting at age 55.

Among those non-FHA reverse mortgages, the programs offering loan amounts higher than the FHA's lending limit typically are referred to as "jumbos." Like jumbo programs in the forward mortgage market, reverse mortgage jumbos typically extend more borrowing potential to homeowners in that their lending limits exceed the current $970,800 lending limit set by FHA.

Jumbo reverse mortgages are available to qualifying homeowners who have home values generally higher than the average HECM loan amount. Many jumbo reverse mortgages are held by homeowners in California and other areas where home values tend to trend higher than the national average.

We’re here to make the reverse mortgage process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our FREE Reverse Mortgage Qualifier.

We’ll help you clearly see differences between reverse mortgage options, allowing you to choose the right one for you.

The Reverse Mortgage Process

Here’s how our reverse mortgage process works:

  • Complete our simple Reverse Mortgage Qualifier
  • Receive options based on your unique criteria and scenario
  • Compare mortgage interest rates and terms
  • Choose the offer that best fits your needs

Why a Reverse Mortgage?

A reverse mortgage pays off your existing mortgage, should you have one, by allowing you access to the home equity you’ve worked so hard to build. Any money left after paying off your existing mortgage is available to use as you see fit.

  • Full or Partial Lump Sum
  • Line of Credit
  • Monthly Payments
  • Combination of Any of These

You have the option to change your disbursement method at any time.