Reverse Mortgage

Unlock your home equity and convert it into cash, adding to your retirement income and your peace of mind.
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  • Convert home equity into cash without monthly mortgage payments.
  • Choose from various disbursement options, including lump sum, line of credit, or monthly payments.
  • Retain ownership and continue living in your home for as long as you like.
  • Repayment is typically deferred until you sell the home or no longer occupy it.
  • FHA insurance protects borrowers and lenders in case the home's value decreases.

Eligibility requirements

  • Age Requirement: Borrowers must be 62 years or older.
  • Homeownership: You must own your home outright or have a low mortgage balance that can be paid off with proceeds from the reverse mortgage.
  • Financial Assessment: Lenders evaluate income, assets, and credit history to ensure borrowers can meet ongoing obligations, such as property taxes and insurance.
  • Occupancy: The home must be your primary residence.
  • Counseling: Borrowers must undergo HUD-approved counseling to ensure they understand the terms and implications of a reverse mortgage.


Meet James & Maria

James and Maria, retirees looking to supplement their income, opt for a reverse mortgage. With no monthly mortgage payments and the ability to stay in their home, they enjoy financial security in their golden years.

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