Access home equity
Proceeds may be structured as available cash, a line of credit, monthly advances or a combination, subject to product rules.
Reverse mortgages for homeowners 55+
Reverse mortgage options for homeowners 55 and older.
Eligible homeowners may be able to turn part of their home equity into loan proceeds to pay off an existing mortgage, improve monthly cash flow, supplement retirement income, make home repairs, arrange in-home care or support other financial goals—all while retaining title to the home.
Some proprietary reverse mortgage programs may begin at age 55. The federally insured Home Equity Conversion Mortgage (HECM) is generally available beginning at age 62.
A simple first look
What could your home make possible?
Answer a few basic questions to see your reverse mortgage estimate. No contact information needed to calculate.
- Instant basic estimate
- Unlock your detailed report with your information
- Our team follows up with a fully customized quote
The essentials
No required monthly principal-and-interest payment does not mean no obligations.
A reverse mortgage is secured by the home. Interest and mortgage insurance accrue, reducing remaining equity over time.
Keep property charges current
The borrower must continue paying property taxes, homeowners insurance, HOA charges and home maintenance.
Occupy the home
For a standard HECM, the home generally remains the borrower's principal residence and program conditions must continue to be met.
Complete counseling
HUD-approved counseling is required before an FHA HECM can close. Financial assessment and property eligibility also apply.
Optional: explore the advanced planning calculator
This educational tool uses assumptions you enter. It is not a personalized lender quote.
Working calculator
Calculating…Reverse mortgage proceeds estimate
Use a lender-provided principal-limit factor for the closest planning estimate.
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Borrower & property
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HECM assumptions
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Estimated closing costs
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Planning scenarios
Wholesale lender network
Compare the structure—not just the headline proceeds.
We can evaluate eligible reverse mortgage programs from these wholesale lending partners. Product availability, rates, margins, credits and underwriting vary.
Products to discuss
One goal can have several reverse-mortgage paths.
FHA HECM
Federally insured and subject to HUD eligibility, counseling, financial assessment, property and disbursement rules.
HECM for Purchase
Combines a reverse mortgage with borrower funds to buy an eligible new principal residence without a required monthly principal-and-interest payment.
Proprietary / jumbo
Private programs may address higher-value homes or different borrower situations. Terms and protections are lender-specific.
2026 limit source: HUD Mortgagee Letter 2025-22. Program details should be confirmed with current HUD guidance and the selected lender.
Local Guidance
Reverse-mortgage consultations for Southern California homeowners.
Learn about age, home value, existing mortgage, program, occupancy, and long-term planning considerations.