Understanding Your Options
What Is a Home Equity Conversion Mortgage?
A HECM — commonly known as a reverse mortgage — allows homeowners aged 62 and older to convert built-up home equity into income, with no monthly mortgage payments. It's a federally-insured financial tool designed to add stability to your retirement.
A HECM is a loan secured by your home
It must be your primary residence
Access a portion of your equity tax-free
No monthly mortgage payments required
You maintain full title and ownership
FHA-insured and federally regulated
Strategic Options
Three Paths to Equity Conversion
Standard HECM
Convert the equity in your home into income with no monthly mortgage payments. Ideal for supplementing retirement income, covering healthcare costs, or aging in place with dignity.
High-Value HECM
A supersized Home Equity Conversion Mortgage for owners of high-value properties. Borrow up to $4 million on your home equity without selling your property to fund retirement.
HECM for Purchase
Purchase a new home using the HECM process — eliminating future mortgage payments on your new residence. Perfect for downsizing, upsizing, or moving closer to family.
How We Help
Your Equity, Your Strategy
Long-Term Care & Healthcare
Cover the costs of home care, assisted living, medical expenses, and home safety modifications.
Eliminate Your Existing Mortgage
Convert a traditional mortgage into a HECM and eliminate mandatory monthly payments.
Supplement Retirement Income
Convert home equity into cash flow to cover future living expenses and enjoy retirement.
Home Improvements
Fund renovations and modifications to accommodate your future needs without touching savings.
Purchase Your Next Home
Use HECM for Purchase to find a home that fits your long-term needs — without mortgage payments.