• Reverse Mortgages for Seniors | Janus Mortgage California

  • Are you a California homeowner aged 62 or older? A reverse mortgage can help you access the equity in your home — without selling or making monthly payments.

  • Reverse Mortgages - An Introduction

    A reverse mortgage is a loan that enables homeowners and homebuyers age 62 (55 in some cases) or older to convert some of their home equity into cash or a line of credit. Some loans also let homeowners finance a new home purchase.

    With a reverse mortgage, you make no loan payments.  The monthly interest accrued is tacked onto the backend of the loan.  You continue to live in and own your home.

    Unlike a traditional home equity loan or home equity line of credit (HELOC), you don’t have to repay a reverse mortgage until the home is sold or the last surviving borrower (or a non-borrowing spouse who meets certain requirements) no longer lives in the home. The homeowners must maintain the condition of the home and stay current with property taxes and hazard insurance.

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  • Here Are All of the Things You Could Do With a Reverse Mortgage

    • Supplement your retirement income
    • Consolidate debt
    • Pay for medical care, prescription drugs and in-home care
    • Cover large or unexpected expenses
    • Make home improvements
    • Travel to visit family and friends or take vacations
    • Gifts for the children/grandchildren
    • Live a more comfortable lifestyle

  • Benefits of a Reverse Mortgage Loan

    A reverse mortgage loan through Janus Mortgage gives you the ability to enjoy financial security, peace of mind and the ability to remain in your home during your retirement years.

    You have the freedom to use the net proceeds however you deem necessary.

    • Tax free cash!
    • No monthly loan payments.
    • You continue to live in the home as before.

  • Reverse Mortgage Programs

    We Have A Number of Reverse Mortgage Programs to Help You

    Programs

  • Reverse Mortgage FAQs

    Here Are The Questions Answered About Reverse Mortgages

    FAQs

  • Reverse Mortgage Proposal

    What Is A Reverse Mortgage Proposal?  See More Here.

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  • Get A Reverse Mortgage Proposal

    Not Ready to Apply?  Enter Your Basic Information Here to Get a Proposal

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  • Reverse Mortgage Safeguards

    There Are A Number Of Safeguards In Place to Protect Seniors

    Safeguards

  • Reverse Mortgage Qualifications

    Find Out What It Takes to Get A Reverse Mortgage

    Qualifications