What Is A Reverse Mortgage?

This is by far, the number one question people ask when first learning about this remarkable home equity loan that has been a financial life saver for thousands of senior homeowners across America.

In the simplest terms, a reverse mortgage* is a government insured loan that turns the equity in your home into TAX-FREE Cash. It does NOT negatively impact your Social Security or Medicare benefits and you do not have to qualify in terms of credit or health.

This type of home loan pays you back the money you previously paid to your lender during the years that you were making monthly payments to own your home. In other words, with this loan your previous payments are reversed and a portion of your home equity is returned to you in cash.

The bank starts sending YOU money based upon the amount of equity in your home and the life expectancy of the youngest owner on title.


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Receiving Your Money

When your payments are reversed through the use of the FHA insured HECM (Home Equity Conversion Mortgage) you are able to convert a portion of your home equity into Tax-Free cash in any of the following ways:

definitionAll at once as a lump sum payment to you at the time of loan closing.

what is a reverse mortgageIn monthly installments for as long as you live in your home – similar to an annuity.

hecmMonthly installments in an amount that you choose, which can be disbursed over a fixed number of years.

orange ckAs a line of credit that you can access whenever you want to and in whatever amount you need to (up to your loan amount.)

ck markOr any combination of the above….It’s your choice and it’s your money.

Wow! Tax-Free Money Paid TO You… FROM The Bank!

Unique Features of This Loan

pros and consNever requires monthly payments or ANY repayment as long as you live in your home.

calculatorYou retain title to your home – the bank does NOT own your home.

lendersYour home remains part of your estate after you pass away.

checkmarkThere are no credit or health qualifications to be approved for a government insured HECM (Home Equity Conversion Mortgage.)

government insuredThese home equity loans do not affect your Social Security or Medicare benefits.

qualificationsThe money you receive is Tax-Free.

tax-free cashYou can use the money for whatever you choose.

Now that you know what these unique senior home loans are, why not find out today how much Tax-Free cash you can get from the equity in your home?

Please take a moment to provide the following details to receive your free, no obligation, personalized quote. It will show you which option will give you the most cash.

Your Information is Secure

To Receive the Highest Loan Amount, All Owners On Title should be Age 62 or Older.

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Your Home Value (required)

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Date of Birth for Youngest Homeowner (required)


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Please be assured that your personal information is used for preparing your HECM benefit summary and will not be shared with unauthorized third parties.

*Disclaimer – The term “Reverse Mortgage” when used throughout this website always refers to the FHA government insured HECM – Home Equity Conversion Mortgage, unless otherwise stated.