Access Your Home's Wealth Without Selling or Monthly Payments
Turn your home equity into tax-free cash while you continue living in your home. Government-backed, FHA-insured, designed for homeowners 62+.
Why Homeowners Choose Reverse Mortgages
Stay in Your Home
Keep full ownership and live in your home as long as you want. You never have to move unless you choose to.
No Monthly Mortgage Payments
Eliminate monthly mortgage payments forever. The loan is repaid only when you sell, move, or pass away.
Government-Backed Protection
FHA-insured program with consumer protections. Your heirs never owe more than the home's value.
Tax-Free Cash
Access your equity as tax-free funds. Use it for medical bills, home repairs, retirement income, or anything you need.
No Credit Score Required
Your credit history doesn't matter. If you own your home and are 62+, you likely qualify.
Protect Your Heirs
Non-recourse loan means your heirs never inherit debt beyond the home's value. They can keep, sell, or refinance.
Flexible Payment Options
Choose lump sum, monthly payments, line of credit, or combination. You control how you receive funds.
How It Works — Simple as 1, 2, 3
Get Your Free Consultation
Call us at 678-866-1955 or fill out the form below. We'll discuss your situation, answer questions, and explain your options with zero obligation.
Speak with a Licensed Specialist
Within 24-48 hours, a licensed reverse mortgage specialist will provide personalized information based on your home value, age, and goals.
Choose What's Right for You
Decide if a reverse mortgage fits your needs. If yes, your specialist guides you through the simple FHA application process. If no, that's perfectly fine too.
Join Thousands of Homeowners Who've Accessed Their Home Wealth
"I was able to pay off medical bills and finally have peace of mind. The process was easier than I expected, and I still own my home."
"My financial advisor recommended I look into this. I now have a line of credit for emergencies and no monthly mortgage payment. Life-changing."
"I was skeptical at first, but after speaking with the specialist and understanding the FHA protections, I felt completely comfortable. Best decision I've made."
Common Questions About Reverse Mortgages
Click any question to expand the answer. View all FAQs →
Yes, absolutely. You retain full ownership of your home with a reverse mortgage. Your name stays on the title, and you can live in your home as long as you want. The only requirements are that you maintain the property, pay property taxes, and keep homeowners insurance current.
This can never happen. Reverse mortgages are "non-recourse" loans, which means you or your heirs will never owe more than the home's value. The FHA insurance covers any shortfall, protecting you and your family completely.
Yes. When you pass away or move out permanently, your heirs have several options: They can pay off the reverse mortgage balance and keep the home, sell the home and keep any remaining equity, or turn the home over to the lender with no debt obligation. They have up to 12 months to decide.
The amount depends on three factors: your age (older = more funds), your home's value, and current interest rates. Generally, homeowners can access 40-75% of their home's equity. For example, a 70-year-old with a $400,000 home might access $200,000-$280,000.
No. Unlike traditional loans, your credit score is not a major factor. The main requirements are: age 62+, own your home (or have significant equity), live in the home as your primary residence, and be able to pay property taxes and insurance.
No monthly mortgage payments are required. However, you must continue to pay property taxes, homeowners insurance, HOA fees (if applicable), and maintain your home. These are the same expenses you'd have even without a reverse mortgage.
No. The funds you receive from a reverse mortgage are considered loan proceeds, not income, so they are not taxable. This also means they typically don't affect Social Security or Medicare benefits (though Medicaid recipients should consult an advisor).
Anything you want. Common uses include: paying off existing mortgage, covering medical expenses, home repairs and modifications, supplementing retirement income, helping family members, traveling, or simply having a financial safety net.
Single-family homes, FHA-approved condominiums, townhouses, and manufactured homes (built after June 1976) can qualify. The property must be your primary residence and meet FHA property standards.
From application to closing typically takes 30-45 days. This includes the required HUD counseling session (about 1-2 hours), appraisal, underwriting, and closing. Your specialist will guide you through each step.
Get Your FREE Reverse Mortgage Guide
Download our comprehensive 2-page guide and speak with a licensed specialist within 24-48 hours.
