Reverse Mortgages

HECM & Reverse Mortgage Programs

Your home has helped build your future. Now it can help support your retirement.

Explore federally insured HECM loans for homeowners age 62 and older, and proprietary reverse mortgage options for homeowners age 55 and older.

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Retired couple relaxing in the sunlit living room of their long-time family home

Four Programs

Choose Your Reverse Mortgage Program

Senior couple reviewing reverse mortgage paperwork together at their dining table

Home Equity Conversion Mortgage (HECM)

A reverse mortgage insured by the Federal Housing Administration (FHA) for homeowners age 62 and older. Access your home equity without selling your home.

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Couple in their late fifties carrying a moving box into their new single-story home

HECM for Purchase & Refinance (55+)

Buy your next home with a substantial down payment and eliminate required monthly mortgage payments, or refinance the home you have.

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Couple in their sixties walking through the front garden of their high-value California home

Proprietary / Platinum Reverse Mortgage (55+)

A privately funded reverse mortgage for higher-value homes, with higher loan limits than FHA-insured reverse mortgages.

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Woman in her sixties picking ripe tomatoes in her thriving backyard garden

Line of Credit Growth Reverse Mortgage

A reverse mortgage line of credit. Any unused portion of your available credit grows over time.

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Side by Side

Compare at a Glance

Program Minimum age Type Well suited to
HECM 62 FHA-insured Eliminating a mortgage payment or supplementing retirement income
HECM for Purchase & Refi 55 (where eligible) Reverse mortgage for purchase or refinance Downsizing, relocating or buying a more suitable retirement home
Proprietary / Platinum 55 (depending on the state and lender) Privately funded Higher-value homes that need higher loan limits
Line of Credit Growth 62 (55+ where available through proprietary programs) Reverse mortgage line of credit A financial safety net that can grow over time

Before You Apply

Your Responsibilities as a Homeowner

With a reverse mortgage you remain the owner of your home while maintaining responsibility for:

  • Property taxes
  • Homeowners insurance
  • Home maintenance
  • Occupancy requirements

Counseling comes first

HUD requires independent counseling before the loan can close to ensure borrowers fully understand the program.

Talk to a Reverse Mortgage Specialist

Schedule your free, no-obligation consultation today.

Book a Call
Start Your Application

Or call Nancy Sacks directly: 949-449-1242