How It Works
Answer Questions
Share basic info about your age, home, and financial goals. Takes just 2 minutes.
Get Your Estimate
See how much tax-free cash you may qualify for, instantly calculated.
Speak with Specialist
Connect with a licensed expert to discuss your options (optional).
Why Choose a Reverse Mortgage?
Eliminate Monthly Payments
Pay off your existing mortgage and never make another monthly payment. Keep more cash each month.
Stay in Your Home
You remain the owner and can live in your home for as long as you want. Never worry about having to move.
Tax-Free Cash
Access your home equity as tax-free funds. Use it for anything: debt, repairs, healthcare, or just peace of mind.
Government Insured
FHA-insured HECM loans are regulated and protected. You'll never owe more than your home is worth.
Help Your Family
Use funds to help children, pay for grandkids' education, or provide financial support while you're alive.
Flexible Options
Receive funds as a lump sum, monthly payments, line of credit, or combination. You decide.
Is a Reverse Mortgage Right for You?
You may be a good candidate if you:
- Are age 62 or older (55+ for some programs)
- Own your home and live there as your primary residence
- Have significant equity in your home
- Want to eliminate mortgage payments or access cash for retirement
- Can afford to pay property taxes, insurance, and home maintenance
Common Ways People Use Reverse Mortgages
Pay Off Mortgage
Eliminate your monthly payment and free up cash flow
Supplement Income
Create additional retirement income to cover living expenses
Healthcare Costs
Pay for medical bills, in-home care, or long-term care needs
Home Improvements
Fund repairs, renovations, or age-in-place modifications
Common Questions
Will I lose ownership of my home?
No. You retain full ownership and your name stays on the title. A reverse mortgage is simply a loan secured by your home, just like a traditional mortgage.
What happens to my home when I pass away?
Your heirs can choose to keep the home by paying off the loan balance (or 95% of the appraised value, whichever is less), or sell the home and keep any remaining equity. They will never owe more than the home is worth.
Are there monthly payments?
No monthly mortgage payments are required. You only need to pay property taxes, homeowners insurance, and maintain the home. The loan is repaid when you permanently leave the home.
How much can I borrow?
The amount depends on your age, home value, and current interest rates. Generally, older borrowers with higher home values can access more equity. Take our 2-minute quiz to get your personalized estimate.
What can I use the money for?
Anything you want. Common uses include paying off existing mortgages, covering medical expenses, home repairs, supplementing retirement income, or helping family members. There are no restrictions.
Is this a scam or too good to be true?
Reverse mortgages are legitimate, government-regulated loans backed by the FHA. You're required to complete HUD counseling with an independent counselor before proceeding. This ensures you fully understand the loan and it's right for your situation.