Your home is more than just a place to live—it's one of your biggest assets. A Reverse Mortgage is a unique financial tool designed specifically for seniors to convert a portion of that home equity into tax-free cash.
It’s time to stop worrying about money and start enjoying the retirement you earned.
A reverse mortgage allows homeowners, typically age 62 and older, to borrow against their home equity without having to sell the house or make a monthly mortgage payment.
| Traditional Mortgage | Reverse Mortgage |
| You pay the lender every month. | The Lender pays you (or pays off your existing mortgage). |
| The loan balance decreases over time. | The loan balance increases over time. |
| Repaid over a set term (e.g., 30 years). | Repaid when the last borrower moves out, sells the home, or passes away. |
You remain the owner of your home, and you cannot be forced out.
A reverse mortgage can provide financial freedom and peace of mind by giving you access to cash that can be used for almost anything:
The most common type of reverse mortgage is the federally insured Home Equity Conversion Mortgage (HECM). We help you compare the two main options:
| Option | Ideal For | Key Feature |
| HECM (Federal) | Most seniors; often has the best protections. | Insured by the FHA; offers flexible payout options. |
| Proprietary (Private) | High-value homes where the HECM limits are too low. | Allows access to more equity in expensive homes. |
It’s important to know the facts. A reverse mortgage is not "free money," and you still have obligations:
A reverse mortgage is a powerful tool, but it's crucial to get professional guidance.
Our qualified advisors can provide personalized insights to see if a reverse mortgage aligns with your long-term financial goals.
