The average homeowner unlocks $96,000 in equity. Answer 4 quick questions to see what you could qualify for — free, with no obligation and no impact to your credit.
*A reverse mortgage becomes due when the last borrower permanently leaves the home. Borrowers must remain current on property taxes, homeowners insurance, HOA dues (if applicable), and maintenance. Proceeds are generally not taxable income; consult a tax advisor. Estimates are illustrative and not a loan offer.
Instant quote · free · no obligation
Three straightforward steps — and you're in control the entire way. No obligation until you say so.
Answer 4 quick questions above to see your estimated proceeds instantly. No SSN, no credit pull, no commitment.
A licensed reverse mortgage expert reviews your numbers and answers every question — and a HUD-approved counselor independently confirms it's right for you.
Choose a lump sum, monthly payments, or a growing line of credit. Any existing mortgage is paid off first — the rest is yours, tax-free.
If you check these boxes, there's a very good chance you qualify for one of our programs.
in equity with a reverse mortgage. Find out your number in about 30 seconds — it only takes 4 questions.
Get My Instant QuoteFree · No SSN · No credit impact · No obligation
Your specialist matches you to the right fit — here's the lineup.
The classic reverse mortgage, insured by the FHA and regulated by HUD. For homeowners 62+.
Our proprietary program for higher-value homes and younger borrowers — amounts beyond the FHA limit.
Buy a new home and get a reverse mortgage in a single transaction — right-size without monthly payments.
Your home's value may have grown — refinancing could unlock more cash, a lower rate, or add a loved one.
There are no restrictions on how you spend your proceeds.
Pay off your existing mortgage and free up hundreds — often thousands — every month.
Fund medical bills, prescriptions, or care that lets you age comfortably at home.
Consolidate high-interest balances with no required monthly repayment.
Replace the roof or add safety features — without draining savings.
Monthly proceeds or a standby line of credit so savings stretch further.
Gift tuition, travel, or simply stop worrying about the cost of living.
A reverse mortgage is a loan secured by your home, not a sale. The title stays in your name, you can never owe more than the home is worth (non-recourse protection), and any remaining equity goes to you or your heirs.
"I was skeptical — I'd heard the myths. My specialist patiently walked me through everything, and the HUD counselor confirmed it all. Now the $1,400 I used to pay on my mortgage stays in my pocket every month."
"Closing took 24 days start to finish. They returned every call the same day, and there were zero surprises at the table. My wife and I finally remodeled the kitchen we've put off for fifteen years."
"After my husband passed, the numbers just didn't work anymore. The line of credit gave me breathing room without selling the home we raised our kids in. I only wish I'd done it sooner."
No jargon, no pressure — just the facts you deserve.
No. You keep the title to your home, exactly as you do today. A reverse mortgage is simply a loan secured by the property. You can sell, refinance, or pay it off at any time — and your heirs inherit whatever equity remains.
It depends on the age of the youngest borrower, your home's appraised value, current rates, and any existing mortgage. Generally, the older you are and the more your home is worth, the more you can access. Our average homeowner unlocks around $96,000 — the 30-second quote above gives you a personalized ballpark.
Correct — monthly mortgage payments are optional, not required. The loan is repaid when the last borrower sells, permanently moves out, or passes away. You must stay current on property taxes, homeowners insurance, and basic maintenance to keep the loan in good standing.
Eligible spouses can remain in the home for life, even if they aren't a borrower. When the loan comes due, your heirs can repay it (usually by selling the home) and keep any remaining equity — or walk away owing nothing, because HECM loans are non-recourse: you can never owe more than the home's value.
Reverse mortgage proceeds are loan advances, not income, so they generally don't affect Social Security or Medicare — and they're typically not taxable. Needs-based programs such as Medicaid or SSI can be affected, so we always recommend reviewing your situation with a benefits advisor.
Yes. This form uses 256-bit encryption, we never ask for your Social Security number to provide a quote, checking eligibility won't impact your credit, and we never sell your personal information. You'll only hear from South River Mortgage about your quote.
We're here to help — start a better retirement today.
Specialists available Mon–Fri 8am–8pm ET · Sat 9am–3pm ET · Free, no obligation, no pressure — ever.