Increase your retirement income


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A Reverse Mortgage is a federally insured government loan program specifically designed for homeowners age 62 and older.


Reverse Mortgages are backed by the Federal Government with all costs and fees regulated by the U.S. Department of Housing and Urban Development (HUD) and managed by the Federal Housing Administration (FHA).


In 2014, major legislative changes were implemented to both enhance the program and better protect the homeowner, thus evolving the Reverse Mortgage into one of the safest mortgage products available today.


A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash, tax free.

Unlike a traditional home equity line or second mortgage, reverse mortgage borrowers do not have  to repay the reverse mortgage until:

  • The last borrower passes away
  • The borrowers no longer occupy the home as their primary residence
  • The borrowers fail to meet the obligations of the reverse mortgage which requires
    the borrower to pay all property taxes, homeowners insurance and homeowners
    association fees on time.
Happy portrait of senior couple, woman embracing her husband
Portrait of happy little girl, her mother and grandmother looking at camera at home


  • You continue to own your home
  • No monthly mortgage payment is ever required
  • Funds are Tax Free
  • No limitations on how you can use the funds
  • Homeowners keep all future appreciation, no equity sharing
  • No pre-payment penalty – make interest payments if you want


Treating your grandkids to an exciting and educational adventure every year

Taking your family on that once in a life-time trip

Assist your children with the down payment on their home

Helping your grandkids with college expenses

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"Our Grandparents are going to take us on an adventure every year!"


  • No Recourse… You can never owe more than the value of your home.
  • Mortgage Insurance Premium ensures the amount owed can never be more than the value of the home.
  • Education is required… The government and the reverse mortgage industry want to make sure that you have all the information you need to make the right decision. A counseling session can take place either face-to-face or by telephone. The session should generally last about 90 minutes.
  • Avoid the RED LINE Where your money runs out before your retirement does. Recent studies show that a retirees greatest fear is outliving their money, 61% fear outliving their assets more than they feared dying.
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