Reverse Mortgages — HECM & Hybrid
A reverse mortgage lets homeowners 62 and older convert part of their home equity into cash — with no monthly mortgage payment required. It’s a powerful retirement planning tool when structured correctly, and I’ll make sure you understand exactly how it works before you decide.
Who It’s For
- Homeowners age 62+ who want to supplement retirement income
- Retirees looking to eliminate their monthly mortgage payment
- Homeowners with significant equity who want financial flexibility
Reverse Mortgage Options I Offer
- HECM (Home Equity Conversion Mortgage) — the FHA-insured reverse mortgage, the most common and most consumer-protected option
- HomeSafe Standard — a proprietary (jumbo) reverse mortgage for higher-value homes above HECM lending limits
- HomeSafe Select — a proprietary option designed for borrowers who want a lower-cost alternative with flexible payout structures
- EquityAvail — a hybrid reverse mortgage option for homeowners 55+ seeking additional flexibility
Key Features
- No monthly mortgage payment required — the loan is repaid when you sell, move, or pass away
- Receive funds as a lump sum, monthly payments, a line of credit — or a combination
- You retain title and ownership of your home
- Non-recourse: you (or your heirs) will never owe more than the home’s value
- Mandatory HUD-approved counseling ensures you understand the program
A reverse mortgage is a big decision — I’ll give you straight answers, involve your family or advisors if you’d like, and never pressure you. If it’s not the right fit, I’ll tell you.