Reverse Mortgages

Stay in your home. Let it work for you.

If you're 62 or older, a reverse mortgage turns part of your equity into cash, with no monthly mortgage payment. The home stays in your name.

Three things to know

A reverse mortgage is different from a regular loan. Here's what makes it work.

No monthly payment

There's no monthly mortgage payment. You still pay your property taxes, insurance, and upkeep.

You keep the title

The home stays in your name. You can live there as long as it's your main home.

Built-in protection

You and your heirs will never owe more than the home's value when the loan is paid off.

Three steps, one person guiding you the whole way. That's me.

We'll look at your goals and your home's value. Family is always welcome to join.

A short session with a HUD-approved counselor is required. It helps you choose with confidence.

I handle the details and keep it moving, so it feels easy from start to finish.

Your equity can support the life you want, whether you stay or move.

Wipe out your current monthly payment and free up your income for the things you enjoy.

Downsize or move closer to family. Make a large down payment, and the reverse mortgage covers the rest with no monthly payment.

Set up a line of credit that can grow over time. It's there for healthcare, travel, or a rainy day.

Three ways to use your equity, side by side.

	Monthly payment	How you get cash	Age	Best for
Reverse mortgage	None required	Lump sum, monthly payments, line of credit, or a mix	62+	Retirees who want to free up monthly cash.
HELOC	Yes, based on what you use	A line of credit	Any	Short-term needs with income to cover payments.
Cash-out refinance	Yes, a new full payment	One lump sum	Any	Getting cash while resetting your loan.