How It Works

  • Access a portion of your home’s equity
  • Percentage is based on age of youngest borrower
  • Never make no monthly mortgage repayments
  • Funds are tax-free, and may be used for virtually anything
  • Loan is repaid when you pass away or sell your home
  • Any remaining equity belongs to your heirs or estate

A reverse mortgage allows you to draw from the value in your home without having to sell it.

You live in a home that you’ve watched increase in value for years. You find it difficult keeping up with bills and healthcare expenses. You’re faced with a dilemma: sell the house—your home, which really doesn’t have a price tag—or continue to live in it and watch your financial burden increase. Now imagine this dilemma resolved.


“My house has been my home for most of my life. I can’t leave, but I can’t afford to stay.”


Enter The Reverse Mortgage

A Reverse Mortgage loan allows you to draw on a portion of the value in your home without having to sell it and may allow you to receive monthly cash flow payments. The loan is repaid when you sell your home, the last borrower passes away, or you no longer live there as the principal residence. There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower is still responsible for paying property taxes, insurance and maintenance of home. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms, and conditions are not available in all states and are subject to change.

You can use the loan proceed payments as you wish*: to enhance and extend your retirement, make home improvements, pay bills, or vacation. It’s all up to you.

*This advertisement does not constitute financial advice. Please consult a financial advisor regarding your specific situation.


Most borrowers can benefit when they do their research and plan carefully, but you need to know how these loans work, what your plans are, and which options will best to achieve your goals. Education is the key and don’t be afraid to compare.


If you didn’t before, hopefully you now know how they work and are on your way to determining if a reverse mortgage is right for you.