Pay off an existing mortgage
Use available proceeds to pay off qualifying liens without required monthly principal-and-interest payments.1
Your home could fund what comes next
Put your home equity to work for your retirement.
A reverse mortgage is a loan that lets eligible homeowners access part of their home equity without selling. Request a personalized review built around your goals in about 60 seconds.
- Remain on title while meeting all loan terms
- No required monthly principal-and-interest payments1
- Choose flexible ways to access available equity
You must use the home as your primary residence, pay property taxes, homeowners insurance and other applicable charges, maintain the property, and meet all loan terms. Interest and fees are added to the loan balance over time.
No obligation
No SSN required
No credit impact
1 Borrowers must continue to live in the home as their primary residence, pay property taxes and homeowners insurance, maintain the property, and meet all loan terms.
This material is not from HUD or FHA and was not approved by HUD or any government agency.
Reverse mortgage
specialists
No credit pull
for this initial review
No obligation
clear guidance, at your pace
NMLS #1854524Licensed mortgage lender
More flexibility for what matters
What could your home equity help you do?
Every retirement plan is different. A reverse mortgage may give eligible homeowners more ways to use the equity they’ve built.
Add breathing room to your budget
Use available loan proceeds for retirement expenses or build a cushion for the unexpected.
Prepare for care or home repairs
Plan for medical needs, accessibility updates, or the projects that help you stay at home longer.
Create a flexible line of credit
Eligible borrowers may reserve available funds and draw them over time as needs change.
Clear guidance, one step at a time
How does the process work?
A licensed specialist helps you compare options, understand obligations, and decide whether moving forward makes sense for you.
Request a personalized review-
01
Tell us about your home
Share a few estimates—no appraisal, SSN, or credit pull is needed for this initial review.
-
02
Review personalized possibilities
A specialist explains programs that may fit and answers your questions in plain language.
-
03
Choose what feels right
There is no obligation to proceed. If you do, we guide you through counseling, appraisal, and closing.
Know the facts
A reverse mortgage should feel clear—not confusing.
Our job is to explain both the possibilities and the responsibilities so you can make an informed choice.
Independent HUD-approved counseling is required before closing an FHA-insured HECM.
“The bank owns my home.”
Fact: You remain on title and retain ownership, provided you meet the loan terms.
“My heirs automatically inherit debt.”
Fact: HECMs are non-recourse loans. Heirs are not responsible for more than the home’s value when the loan is repaid.
“There are no ongoing costs.”
Fact: Borrowers must continue paying property taxes, insurance, maintenance, and any applicable HOA charges.
Answers without the jargon
Frequently asked questions
Still wondering if a reverse mortgage fits your plan?
Talk with a specialist (844) 230-6679What is a reverse mortgage?
A reverse mortgage is a loan that lets eligible homeowners access part of their home equity without selling. The loan generally becomes due when the last borrower sells the home, permanently moves out, or passes away.
Do I still own my home?
Yes. You remain on title and retain ownership as long as you meet the loan obligations, including using the home as your primary residence and keeping taxes, insurance, and maintenance current.
Are monthly mortgage payments required?
No monthly principal-and-interest mortgage payments are required. You may make voluntary payments, and you must continue to pay property taxes, homeowners insurance, maintenance, and any applicable HOA charges.
Will requesting a review affect my credit?
No. Requesting this initial review does not require a credit pull. A licensed specialist will explain any later credit authorization before it occurs.
How much could I receive?
The amount depends on factors such as the youngest borrower’s age, home value, existing mortgage balance, current interest rates, program limits, and financial assessment. A specialist can provide an estimate after reviewing your information.
When does the loan need to be repaid?
The loan generally becomes due when the last borrower sells the home, permanently moves out, passes away, or does not meet the loan obligations. Your specialist and counselor will explain these events before closing.
Prefer an independent overview? Read the Consumer Financial Protection Bureau’s reverse mortgage guide.
Your questions deserve clear answers
See what your home equity could make possible.
Start with a free, no-obligation review. It takes about 60 seconds.