If you're 62 or older, a federally insured reverse mortgage could turn the equity you've built into tax-free cash — while you keep your home and your deed.
Free personalized estimate in under 60 seconds. No commitment.
A HECM (Home Equity Conversion Mortgage) is a federally insured loan designed for homeowners 62+ — turning the equity you've earned into financial freedom.
You remain the owner and your name stays on the deed. Live in your home for life while meeting basic loan obligations.**
Pay off your existing mortgage and stop making monthly principal-and-interest payments — freeing up cash flow every month.**
Receive proceeds as a lump sum, monthly payments, a line of credit, or a combination — proceeds are not taxed as income.†
HECM loans are insured by the FHA. You (or your heirs) will never owe more than the home is worth when the loan is repaid.
Use home equity strategically so your 401(k), IRA, and investments can stay invested and keep working for you.
Our licensed advisors walk you through every step — with independent HUD-approved counseling required before any decision.
From first question to funded loan, most families close in about 26 days.
Answer a few quick questions above. We'll calculate how much of your equity you may be able to unlock — free, with no obligation.
A dedicated reverse mortgage advisor reviews your options, answers every question, and helps you decide if a HECM is right for you.
Complete HUD-approved counseling, finalize your loan, and receive your tax-free proceeds — as a lump sum, monthly income, or line of credit.
"The team at South River Mortgage walked us through everything patiently and clearly. We paid off our mortgage, and the extra cash flow changed our retirement completely."
Straight answers to the questions we hear most from homeowners.
Find out how much tax-free cash you could unlock — in under 60 seconds, with zero obligation.
Get My Free Estimate ›Prefer to talk it through? Call (844) 230-6679