About Reverse Mortgages

Minimize monthly expenses


A reverse mortgage can eliminate your monthly mortgage payment increasing cash flow in the short and long term.

Access cash


Use cash from a reverse mortgage to bridge monthly income gaps or manage tax brackets to reduce expenses in the short and long term.

Growing line of credit


Use a reverse mortgage to establish a line of credit to hedge against inflation and property deflation.

Types of Reverse Mortgages


Traditional FHA Reverse Mortgage

  • Government insured
  • Line of credit growth
  • Lump sum distributions
  • Tenure or term distributions

Reverse Mortgage for Purchase

  • Greater purchasing power
  • Reduced out-of-pocket expenses
  • Find a home that better fits your needs

Reverse Mortgage FAQ's

What is a reverse mortgage?


Home Equity Conversion Mortgage  is a non-recourse loan. Only the home equity is responsible to pay off the mortgage--- not your clients, not their heirs, not their trust, not their estate or any of their other assets. Once the borrower is no longer living in the property, there is 12 months to make the decision. 


What can a reverse mortgage be used for?


 1. Lump Sum Payment

2. Reverse Mortgage Purchase

3. Reverse Mortgage Line of Credit

4. Monthly Payments

5. Combination of Lump Sum payment + Line of Credit + Monthly Payments

Equity or cash. Which is better?


A Reverse Mortgage could create liquidity for an otherwise illiquid asset. What is more valued, equity or cash? Cash is the most important ingredient for retirement.

What are the requirements for eligibility?

1. 62 years or older
2. Maintain property taxes and basic maintenance

  • At least 62 years of age
  • Maintain property taxes and basic home maintenance 
  • Must have a certain amount of equity

Can I owe more than I borrowed?


A reverse mortgage is a non-recourse loan meaning it is not possible to owe more than you borrowed. Any proceeds from your home in excess of the amount borrowed will go to your heirs.

Know Before You Ow