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Empowering Seniors with More Choices

Discover the Home Equity Conversion Mortgage and Open the Door to a Better Retirement!

Home Equity Conversion Mortgages/ Reverse Mortgages

A Home Equity Conversion Mortgage (HECM)/Reverse Mortgage is an FHA-insured loan specifically designed for seniors age 62+, and can be used to access your home equity and turn it into cash that can be used in a variety of ways to improve and find greater security in your retirement years. A HECM/Reverse Mortgage could eliminate your mortgage payment*, allow you to remain in your home while still owning it, cover the rising cost of healthcare, and more. It may also give you the option to downsize, relocate closer to friends and family, or move into a home that is more desirable to you. You have spent years building up your home equity. Now is the time to let your home start paying you!

Who qualifies for a HECM/Reverse Mortgage?

  • Borrower(s) must be 62 years or older (spouse may be under 62)

  • Property must be a single-family home, 2- to 4-unit dwelling or FHA-approved condo, manufactured or modular home

  • Must have considerable equity on property

  • Must occupy the property as primary residence (at least 6 months + 1 day)

  • Must receive HECM/Reverse Mortgage counseling from a HUD-approved counseling agency

  • Must not be delinquent on any federal debt, such as income taxes

Why Choose a HECM/Reverse Mortgage?

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Strategically use Home Equity in Retirement Planning
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Provide Access to Cash
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Stay in Your Own Home
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Help Cover the Cost of Your Healthcare
In Home or Assisted Living

What People are Saying

My reason for doing the HECM was to free up some cash for repairs/small projects around my home without dipping into my 401k-type retirement. I had been delaying due to not wanting to deduct from my retirement principal. It worked well for that purpose and I am happy with my decision. As to Kathy and her help, not enough can be said about her advice, help, knowledge, energy, and concern for her clients. She is the best one could hope for.

Rick C. | Retired Airline Pilot

I'd like to thank you for your help in understanding the ins and outs of this loan. This helps me toward my retirement years and keeps me in my home.

Mike K. | Artist