Your home spent decades paying you back. Now it can keep paying.
Two doors. One decision.
Stay & eliminate your payment
A reverse mortgage eliminates your monthly mortgage payment for as long as you live in the home.
Downsize & pocket the difference
Sell your home, buy smaller, and walk away with cash for the next chapter.
Reverse mortgages require continued payment of property taxes, insurance, and home maintenance. The loan balance grows over time as interest accrues. Eligibility depends on age (62+ for HECM, 55+ for some proprietary programs), equity, occupancy as primary residence, and program guidelines. Borrower must maintain the home. This is an illustrative scenario, not a loan commitment.
What could your equity fund?
Do you still own the home?
You retain full title. You live in the home. You make no monthly mortgage payments. The loan is repaid when you sell or move.
What do heirs receive?
Heirs inherit the property. If the home is worth more than the loan balance, they keep the difference. FHA insurance protects against owing more than the home is worth.
Who qualifies?
Age 62+
HECM (FHA-insured) reverse mortgage
Age 55+
Some proprietary (non-HECM) programs
Primary residence
Must be your main home
Sufficient equity
Typically 50%+ equity in the home
Five myths about reverse mortgages.
Believing you lose ownership of your home
You retain full title — always
Thinking heirs get nothing
Heirs inherit the home and any remaining equity
Assuming any age qualifies
HECM requires 62+; some proprietary programs start at 55+
Forgetting ongoing obligations
You still pay property taxes, insurance, and maintenance
Not comparing reverse mortgage programs
300+ lenders means more options and better terms
Trusted by homeowners at every stage.
Talk it through — no pressure, no rush.
A reverse mortgage is a big decision. Our team will walk you through every option, answer every question, and never push.