Mortgage services
Reverse mortgage
Access home equity with no monthly mortgage payments, while staying in your home.
A reverse mortgage is designed for homeowners age 55 and older. It allows you to access a portion of your home equity without making monthly mortgage payments. You still own your home. The loan is typically repaid when you sell the home or move out. We help you compare this option to other ways of using equity so you can decide with clarity.
What you will learn
- How reverse mortgages work and when they are repaid
- Common ways homeowners use the funds
- Key tradeoffs and questions to ask
Suggested uses
Common ways homeowners use a reverse mortgage
- Help family with a down payment
- Pay off high interest debt
- Renovate for comfort and safety
- Increase monthly cash flow
- Travel or cover unexpected expenses
How it works
A clear plan from first call to closing
01.
We confirm eligibility basics and your goals
02.
We estimate available equity based on lender rules
03.
We explain how interest adds over time
04.
We compare alternatives like a line of credit or refinance
05.
We guide you through application and closing steps
Documents you may need
Get organized early
We will confirm the exact list based on your situation.
- Identification and proof of age
- Property tax and home insurance details
- Mortgage statement if any mortgage balance remains
Related services
Explore other mortgage options
Refinance
Use home equity to simplify debt, fund plans, or improve monthly cash flow.
Renewal, Switch, Transfer
Do not renew on autopilot. Review your options and keep your mortgage working for you.
Purchase
A clear mortgage plan makes buying feel calmer, easier, and more confident.
Investment Properties
Buy with confidence by understanding the numbers, the rules, and the strategy.
Frequently asked questions
Answers to common questions
Do I still own my home
Yes. You remain the owner and keep responsibility for taxes, insurance, and maintenance.
When do I pay it back
The loan is typically repaid when the home is sold or when you move out.
Will it affect my heirs
The loan balance is repaid from the home sale. Any remaining equity goes to your estate.
Can I move later
Yes. You can sell and move. The loan is repaid from the sale at that time.
How much equity can I access
It depends on age, property value, and lender rules. We can provide an estimate after reviewing your details.
Ready when you are
Let's build a mortgage plan that fits you
Tell us what you are working toward and we will map out the next best step with clear numbers and a simple plan.