Access your equity. No monthly mortgage payment.
Check My Reverse Options
about 55 seconds left60 seconds · no hard credit pull · never sold
Is this for your primary residence?*
Reverse mortgages are for owner-occupied primary residences only
A reverse mortgage converts equity in the home you live in into cash, with no monthly mortgage payment and no credit score restriction. The loan is repaid when you sell or leave the home, and the equity above the balance stays with you or your heirs.
- No monthly mortgage payment — while you live in the home
- No credit score restriction
- Lump sum, line of credit, or monthly draws
- You stay on title and in your home
- Current balance under 50% of value to qualify
- The estimate below needs no name, phone, or email
- Homeowners 62 and older
- Eliminating a mortgage payment
- An income cushion
- Helping family
What it does, in plain English.
The payment goes away
An existing mortgage is paid off from the proceeds, and no monthly mortgage payment replaces it. Property taxes, insurance, and upkeep remain yours.
Take the money your way
As a lump sum, a line of credit, monthly draws, or a combination. FHA rules may hold part of the proceeds until after the first year.
You keep the home
You stay on title and in the house. The loan is repaid when you sell or move out.
Non-recourse
On an FHA-insured HECM, neither you nor your heirs ever owe more than the home is worth.
Sound like your situation? Answer a few questions and I'll show you what you qualify for — about 60 seconds, no hard credit pull.
Check my options →Three numbers. No contact details.
Reverse mortgage estimate
Three numbers, no contact details. A conservative estimate, net of program costs.
Estimated net cash to you
$100,500
After paying off your current mortgage — that monthly payment goes away.
An estimate is a start. Tell me about the property and I'll come back with real options for it.
Check my options →Who qualifies.
- Age
- The federally insured HECM starts at 62; some programs start younger
- Equity
- Current mortgage balance under 50% of the home's value
- Credit
- No credit score restriction
- Occupancy
- Owner-occupied primary residence only
- Counseling
- Independent, HUD-approved counseling is required for a HECM before you apply
- Ongoing
- Property taxes, homeowners insurance, and upkeep must stay current
- A primary residence with the balance under half its value
- Any credit score
- Wanting cash with no payment: debt payoff, an income cushion, or helping family
- Planning to stay in the home
- Owner-occupied homes only
- Taxes, insurance, and upkeep remain your responsibility
- The loan is repaid at sale or move-out
- HUD counseling comes first on a HECM
What heirs should know.
What happens later
- The parent stays on title
- The loan is non-recourse: heirs never inherit a debt larger than the home's value
- Heirs choose: settle the balance and keep the home, or sell and keep the remaining equity
Built-in protections
- Mandatory counseling with an independent, HUD-approved counselor
- Taxes and insurance must stay current
- Spouse protections under HECM rules, reviewed on the call
How to start
- Run the estimate together
- Book one family call with Joshua
- If a reverse mortgage isn't the right tool, a HELOC or a home equity agreement may be
Good to know.
What is a reverse mortgage?+
The HECM is the FHA-insured version. It converts equity in your primary residence into cash with no monthly mortgage payment, and is repaid when you sell or move out.
Who qualifies?+
For a HECM, borrowers 62 and older (some programs start younger), with the current mortgage balance under about half the home's value. There's no credit score restriction.
How do I receive the money?+
As a lump sum, a line of credit, or monthly draws.
Do I still own my home?+
Yes. You stay on title and in the home. Property taxes, insurance, and upkeep remain yours.
Is counseling required?+
Yes for a HECM: a session with an independent, HUD-approved counselor before you apply.
Will my children inherit the debt?+
No. HECMs are non-recourse. Heirs can settle the balance and keep the home, or sell it and keep any remaining equity.
Can my spouse stay in the home?+
Protections exist under HECM rules. How they apply depends on whether your spouse is on the loan and their age; Joshua reviews it with you on the call.
Still have a question about your own scenario? Start here and I'll answer it with your numbers in front of me.
Check my options →Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.