Reverse Mortgage Options for Today’s Retirement
A reverse mortgage can be used in different ways depending on your goals — from improving monthly cash flow and accessing home equity to purchasing your next home.
Reverse Mortgage Options
Learn how HECM and proprietary reverse mortgages may help eligible homeowners access housing wealth.
Reverse Mortgage for Purchase
See how a reverse mortgage can be used to buy a new primary residence while preserving more cash for retirement.
Reverse Mortgage Line of Credit
Understand how a line of credit can provide flexible access to home equity over time.
How a Reverse Mortgage Can Help
For eligible homeowners, a reverse mortgage can provide another way to use housing wealth as part of a retirement plan.
Improve Monthly Cash Flow
Pay Off an Existing Mortgage
Access Home Equity for Future Needs
Purchase a New Primary Residence
What Is a Reverse Mortgage?
A reverse mortgage allows eligible homeowners to access a portion of their home equity without taking on a required monthly mortgage payment. The homeowner keeps title to the home and remains responsible for property taxes, homeowners insurance, and maintaining the property.
Today’s options may include FHA-insured HECM loans as well as proprietary reverse mortgage programs, depending on age, property, and program availability.
WAYS TO ACCESS YOUR HOUSING WEALTH
Payout Options
Lump Sum
Works well for immediate needs, such as paying off debts or making home improvements.
Monthly Cash Flow Payments
For borrowers who prefer to receive payments each month for the life of the loan or for a fixed period of time.
Line of Credit
Can help borrowers grow their proceeds with its growth rate feature.
Combination
Reverse mortgage offers a great deal of options; a combination of any of the other options is available.
Not Sure Where to Start?
Whether you want to see what may be available, learn more first, or ask a quick question, choose the path that works best for you.
Prefer to Research?
Explore our Reverse Mortgage Articles library for clear, reverse mortgage-focused explainers, or read how a reverse mortgage can help with inflation and cash-flow stability.
Quick Question?
Get an accurate, customized estimate for your age and home value.
Experienced Reverse Mortgage Guidance, Without the Pressure
Reverse mortgages can be powerful financial tools, but the right solution depends on your goals, your home, and your overall retirement plan. Our role is to help you understand the options, compare the numbers, and make an informed decision.
20+ Years of Reverse Mortgage Experience
CRMP®-Credentialed Guidance
HECM & Proprietary Reverse Mortgage Expertise
What Homeowners Are Saying
“I can’t recommend Rick and his team enough! If you are even considering a reverse mortgage product and want the facts, not your neighbor’s opinion, Rick will educate you on the product, no pressure.”
– Maureen M.
“Rick and his staff helped us every step of the way to acquire a reverse mortgage on our property. They respectfully and promptly helped us, giving suggestions and keeping us informed about each stage of the process. I’d recommend Rick to anyone.”
– Greta S.
Read More Client Reviews →
Reverse Mortgage
Calculator
Get an estimate on the amount you are eligible to receive.
Why Homeowners Trust Us
CRMP® (Certified Reverse Mortgage Professional)
20+ years focused on reverse mortgages (since 2005)
Company Licensed nationwide · NMLS #473353
Top reviews and professional referrals
Experienced, education-first, no pressure
