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  • Our Reverse Mortgage Products

    If you're 62 or older and want to supplement your retirement income without selling your home, a reverse mortgage may be the perfect fit. We offer several FHA-approved programs tailored to your financial needs and goals

  • Reverse Mortgage Programs

    We offer a wide variety of Reverse Mortgage programs. Contact us to review these options and find the one best tailored to your situation.

    ProgramKey Benefits
    Traditional Adjustable Rate
    • Pay off existing mortgage
    • Establish line of credit for future use
    • Receive ongoing monthly payments
    Fixed Rate
    • Protect against rising interest rates
    • Predictable repayment structure
    • Ideal for lump-sum withdrawal
    Jumbo
    • Higher loan amounts for high-value homes
    • Overcomes traditional lending limits
    • Designed for homes valued over $1,000,000
    Family Assistance
    • Helps borrowers with shortfalls at closing
    • Uses partner-sourced loan secured by family
    • Can be combined with fixed or adjustable programs
    Reverse for Purchase
    • Use proceeds from sale of current home to purchase a new one
    • No payments required while living in the home
    • Works with fixed, jumbo, or adjustable programs
    EquityEdge
    • Available for homeowners 55 and older
    • Potentially higher loan amounts than traditional reverse mortgages
    • Tailored for flexible financial needs

    These programs offer numerous advantages for seniors seeking financial independence. Speak with a lender to determine which reverse mortgage program is right for you.

  • Detailed Overview of Reverse Mortgage Programs

    Traditional Adjustable Rate

    The Traditional Adjustable Rate reverse mortgage is the most popular program among seniors. It allows homeowners to convert a portion of their home equity into cash while offering flexibility in how funds are accessed. Borrowers can choose to extinguish their existing mortgage, establish a line of credit for future use, or receive monthly payments for ongoing income.

    This program is ideal for homeowners who want to maximize cash flow while maintaining control over how and when they use the funds. The adjustable rate allows borrowers to potentially take advantage of lower interest rates, although monthly payments are not required while living in the home.

    Fixed Rate

    The Fixed Rate reverse mortgage provides borrowers with stability and protection against rising interest rates. With this loan, you receive a lump sum at closing, and there is no line of credit or ongoing monthly payments.

    This program is best suited for homeowners who prefer certainty in borrowing costs and wish to use a one-time payout for a major expense, debt consolidation, or other financial planning purposes.

    Jumbo

    The Jumbo reverse mortgage is designed for homeowners with higher-value properties, generally those valued over $1,000,000. Traditional reverse loans have limits on the maximum borrowing amount, but the Jumbo program allows high net worth borrowers to access more of their home equity.

    This program can be used to pay off existing debts, finance major expenses, or secure additional financial flexibility. It is an ideal solution for seniors who require larger sums than what standard reverse mortgages permit.

    Family Assistance

    Family Assistance programs are designed for borrowers who might face a shortfall due to lower property value, home repairs, or other financial obstacles at closing. In these cases, a partner-sourced loan, secured by a family member, can bridge the gap.

    This loan can be used alongside a fixed or adjustable rate reverse mortgage, making it a flexible solution for families looking to assist their loved ones in qualifying for a reverse mortgage.

    Reverse for Purchase

    The Reverse for Purchase program allows seniors to sell their current home and use the proceeds, combined with a new reverse mortgage, to purchase a new residence. No payments are required while living in the new home.

    This program can be combined with fixed, adjustable, or jumbo reverse mortgages, giving borrowers the flexibility to move into a smaller home, a property with better amenities, or one that better suits their retirement needs.

    EquityEdge

    The EquityEdge program is available for homeowners aged 55 and older and is designed to offer greater borrowing power than traditional reverse mortgages. It is ideal for those who need higher loan amounts for debt consolidation, large purchases, or financial planning.

    This flexible program can be tailored to your unique financial situation, making it a great option for seniors seeking independence and financial security.

  • Find Out How Much You Could Qualify For — No Obligation

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  • Frequently Asked Questions

    What reverse mortgage programs do you offer?

    We offer a wide menu of reverse mortgage programs including Traditional Adjustable Rate, Fixed Rate, Jumbo, Family Assistance, Reverse for Purchase, and EquityEdge options — each tailored to different borrower needs and financial situations.:contentReference[oaicite:1]{index=1}

    What is a Traditional Adjustable Rate reverse mortgage?

    The Traditional Adjustable Rate program is the most popular option. It lets homeowners pay off an existing mortgage, establish a line of credit for future use, or receive ongoing monthly payments.:contentReference[oaicite:2]{index=2}

    How does the Fixed Rate reverse mortgage differ?

    A Fixed Rate reverse mortgage provides a lump sum at closing with a predictable interest rate. It does not include a line of credit or monthly payouts.:contentReference[oaicite:3]{index=3}

    What is a Jumbo reverse mortgage?

    A Jumbo reverse mortgage is designed for homeowners with higher‑value properties (generally over $1,000,000), allowing greater borrowing power than standard reverse mortgage limits.:contentReference[oaicite:4]{index=4}

    What is the Family Assistance program?

    The Family Assistance program helps borrowers who may face a shortfall at closing by using a partner‑source loan secured by a family member alongside a fixed or adjustable rate reverse mortgage.:contentReference[oaicite:5]{index=5}

    Can a reverse mortgage help me buy a new home?

    Yes — with the Reverse for Purchase program, you can use proceeds from the sale of your current home combined with a new reverse mortgage to buy a new residence without required monthly payments while living there.:contentReference[oaicite:6]{index=6}

    What is the EquityEdge program?

    The EquityEdge program allows homeowners aged 55 and older to qualify and may offer higher loan amounts compared to traditional reverse mortgages.:contentReference[oaicite:7]{index=7}