Privately Funded Reverse Mortgages

Proprietary Reverse Mortgage Refinance for Homeowners Age 55+

Unlock More Equity with a Proprietary Reverse Mortgage Refinance

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

If you’re 55 or older and own a high-value home, a Proprietary Reverse Mortgage Refinance may provide access to more of your home’s equity than a traditional reverse mortgage. Unlike government-insured programs, proprietary reverse mortgages are private lending solutions designed for homeowners who need larger loan amounts or who may not qualify for a standard HECM.

Whether you’re looking to eliminate your current mortgage payment, improve cash flow, or access additional funds for retirement, a proprietary reverse mortgage refinance can provide the financial flexibility you deserve.

The Basics

What Is a Proprietary Reverse Mortgage?

A Proprietary Reverse Mortgage is a privately funded reverse mortgage created specifically for homeowners with higher-value properties. These loans often offer:

  • Higher loan limits than FHA-insured reverse mortgages
  • Eligibility starting at age 55 (depending on the state and lender)
  • Access to more home equity
  • Flexible payout options
  • No required monthly mortgage payments as long as you continue to meet loan obligations*

Because these loans are not insured by the Federal Housing Administration (FHA), they can provide financing solutions beyond traditional reverse mortgage limits.

Refinance Goals

Why Refinance into a Proprietary Reverse Mortgage?

Refinancing can help you make better use of the equity you’ve built over the years. You may choose to refinance to:

Pay off your existing mortgage
Access additional cash from your home’s increased value
Consolidate higher-interest debt
Improve monthly cash flow
Cover healthcare or long-term care expenses
Finance home renovations or accessibility improvements
Supplement retirement income
Preserve other retirement investments

Why Homeowners Choose It

Benefits of a Proprietary Reverse Mortgage Refinance

Access More Equity

Higher lending limits may allow qualifying homeowners to unlock substantially more equity than traditional reverse mortgage programs.

No Monthly Mortgage Payments*

As long as you occupy the home as your primary residence and continue paying property taxes, homeowners insurance, HOA dues (if applicable), and maintain the home, no monthly mortgage payments are required.

Stay in the Home You Love

Continue living in your home while converting a portion of your equity into available funds.

Flexible Payment Options

Depending on the program, you may receive proceeds as:

A lump sumMonthly paymentsA line of creditA combination of these options

Eligibility

Who May Qualify?

You may be eligible if you:

  • Are age 55 or older (where permitted)
  • Own a higher-value home
  • Have significant home equity
  • Occupy the home as your primary residence
  • Meet lender financial qualification requirements

Eligible property types may include:

  • Single-family homes
  • FHA-approved condominiums
  • Certain planned unit developments (PUDs)
  • Other eligible residential properties
Couple in their late sixties relaxing on the terrace of their elegant California home

Is It a Fit?

Is Refinancing Right for You?

A proprietary reverse mortgage refinance may be a smart option if:

  • Your home’s value has increased significantly
  • You need access to more equity than a traditional reverse mortgage allows
  • You’re looking to eliminate your existing mortgage payment
  • You want greater financial flexibility during retirement
  • You have a jumbo mortgage or high-value property

Every homeowner’s financial situation is unique. A reverse mortgage specialist can help determine whether refinancing is the right solution based on your goals.

Our Approach

Why Work With Us?

Our experienced reverse mortgage professionals take the time to understand your financial objectives and explain all available options. We provide:

Personalized consultationsClear, transparent guidanceCompetitive proprietary reverse mortgage solutionsFast, responsive service from application through closing

Our goal is to help you make informed decisions with confidence.

Questions

Frequently Asked Questions

A proprietary reverse mortgage is offered by private lenders rather than insured by the FHA. It typically serves homeowners with higher-value homes by providing larger loan amounts and, in many cases, eligibility beginning at age 55.

Yes. If your home has appreciated or your financial needs have changed, refinancing may allow you to access additional equity or improve your loan terms, subject to qualification.

Yes. You retain ownership and title to your home, provided you continue to meet the loan requirements.

The loan generally becomes due when the last borrower permanently moves out of the home, sells the property, or passes away.

Learn about the Home Equity Conversion Mortgage (HECM)

Ready to Explore Your Options?

A Proprietary Reverse Mortgage Refinance could help you access more of your home’s value while improving your retirement cash flow.

Contact our reverse mortgage specialists today for a personalized consultation and discover whether this financing solution is right for you.

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Or call Nancy Sacks directly: 949-449-1242

Important Disclosure

Borrowers remain responsible for paying property taxes, homeowners insurance, HOA dues (if applicable), and maintaining the property. Failure to meet these obligations may result in loan default. Loan programs, eligibility requirements, age qualifications, and availability vary by state and lender. Consult a licensed mortgage professional to determine whether this financing option is appropriate for your situation.