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?
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.
Interested to know the amount of money you could receive with a reverse mortgage?
Click on the button to open the form that will help us customize a quote 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.
Unlock Your Housing Wealth with The Retirement Home Loan Specialists
Welcome to The Retirement Home Loan Specialists of VIP Mortgage, where we specialize in helping homeowners unlock the full potential of their retirement wealth. Led by Rick R. Rodriguez, a nationally recognized Certified Reverse Mortgage Professional® with over twenty years of expertise in reverse mortgages, we bring unparalleled knowledge and insight to guide you through every step of the journey.
Whether you’re looking to supplement your income, eliminate monthly mortgage payments, or access the equity in your home, we have the knowledge and experience to tailor a solution that will meet your needs. With over two decades of dedicated service and a track record of success, we are proud to be your trusted partners in securing a brighter financial future.
Explore our range of innovative reverse mortgage solutions and discover why The Retirement Home Loan Specialists are the premier choice for savvy retirees. Your retirement’s full potential awaits – let’s unlock it together.
TESTIMONIALS
Learn how others have benefited from reverse mortgages.
5.0
Based on 133 reviews
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Bonnie Densmore
9 months ago
We've worked with Rick Rodriguez on three reverse mortgages for family in California and we cannot thank him enough for the great service he and his staff have provided. He has always responded quickly and even when unconventional issues came up, he was able to think outside the box and get issues rectified. His knowledge, professionalism and respect has made each transaction seamless.
Phil Mandel
9 months ago
Rick Rodriguez and associates were so great to work with.
They took their time to explain everything and answers questions. He made the process painless and relatively easy. Which I needed since there are some new and some complex concepts in this. Follow through has also been excellent.
I strongly recommend Rick Rodriguez and VIP Mortgage to anyone needing reverse mortgage setup.
They took their time to explain everything and answers questions. He made the process painless and relatively easy. Which I needed since there are some new and some complex concepts in this. Follow through has also been excellent.
I strongly recommend Rick Rodriguez and VIP Mortgage to anyone needing reverse mortgage setup.
Pam Goddard
12 months ago
Rick is the consummate professional and very knowledgeable on
all types of reverse mortgages. He always answers phone calls promptly and is a pleasure to work with. I highly recommend him.
all types of reverse mortgages. He always answers phone calls promptly and is a pleasure to work with. I highly recommend him.
JOHN MCCLURE
12 months ago
I highly recommend VIP Mortgage and Rick Rodriguez . I was looking for a reverse mortgage and Rick got me the most money and made the whole process as worry free as possible. Rick, with the help of Sean Sostman, guided me through from beginning to end, answered all my questions, and kept me updated on the progress throughout. Thank you very much Rick and Sean.
Chris Schussler
1 year ago
I recently lost a loved one who I had promised, before he passed, to stay in our home.
Rick talked me through the process and after jumping through months of hurdles, the Reverse Mortgage was finally completed.
Rick, and his staff, were very compassionate to my situation.
I would highly recommend V.I.P. Mortgage and especially Rick Rodriquez. He goes above and beyond taking care of his clients and it does not end with the closing of the mortgage.
Rick talked me through the process and after jumping through months of hurdles, the Reverse Mortgage was finally completed.
Rick, and his staff, were very compassionate to my situation.
I would highly recommend V.I.P. Mortgage and especially Rick Rodriquez. He goes above and beyond taking care of his clients and it does not end with the closing of the mortgage.
Lisa Cohen
1 year ago
If you're unsure of the process, this is the Company and team to contact. If you know your marketing and want to speak with someone who is very knowledgeable, possibly more, Rick Rodriguez is definitely the person for you. I highly recommend V.I.P. Mortgage for any real estate needs. Rick, you were so honest and upfront from the beginning You held my hand throughout the process and I sincerely appreciated it. At times I needed it more than others. This is the 1st time I've had to refinance on my own and it was frightening for me. But each time I presented concerns to you, you took your time to explain all to me and made sure I understood before we said our goodbyes. Things moved along so smoothly with help from Sean. He knows his documents and that's not an easy task. You're a great team and everyone is respectful and very helpful. I'm a woman alone and sometimes people attempt to take advantage. I look forward to working with you in the future in order to help me make my money grow at anytime the opportunity presents itself. Thanks to you both Rick Rodriguez & Sean, and thank you V.I.P. Mortgage.
Mark Lyndon
1 year ago
Rick is a consummate professional who not only understands the Reverse Mortgage space inside and out but also anticipates potential challenges before they arise. His proactive approach ensures you’re always positioned to make the best decisions for your clients and your business. I’m honored to have Rick as a trusted partner in bringing the benefits of Reverse Mortgages to more homeowners across Southern Nevada. If you’re looking for guidance, expertise, and true partnership with this outstanding product, look no further than Rick Rodriguez.
Vivian Maxwell
1 year ago
I met Rick Rodriguez in 2021when I was considering a reverse mortgage. It was the best decision I made in contacting Rick. He was always readily available to answer any and all questions or concerns I had regarding equity in my home or other issues. I highly recommend Rick Rodriguez as your Certified Reverse Mortgage specialist.
FIJ
1 year ago
Prior to turning 62, I have done some research on my own with regards to an HECM reverse mortgage line of credit both within the HUD websites & various other sources. I ended up somehow tracking down V.I.P Mortgage & speaking with Rick Rodriguez. From the first call, I knew I ended up with a person who was very knowledgeable & professional. Rick has been a pleasure to work with from day 1. Both my wife & myself met with him several times & we both share the same opinion with regards to his intelligence as subject matter expert & his gift of speaking & explaining things very clearly. His keen ability to listen, represent & act in your best interest, as well as his pro-activeness in running the entire process are all worth mentioning here as well. Highly recommended, thanks Rick!
Ferdinand & Elizabeth J.
Ferdinand & Elizabeth J.
Joyce T
1 year ago
Rick is one of those rare professionals who makes you feel instantly at ease. He's knowledgeable, personable, and passionate about helping others navigate retirement planning, especially when it comes to reverse mortgages that can support individuals in securing their preferred care situation when that time comes.
His office is such a welcoming space, and the amazing Daphne always adds a special touch with the cutest and delicious pick-me-up drinks (yum!). It’s a warm, professional environment from start to finish👌
I am also incredibly grateful to Rick for having us on and for the opportunity to share valuable resources with local seniors. I wouldn’t hesitate to recommend Rick to anyone looking for expert guidance when it comes to retirement planning!
His office is such a welcoming space, and the amazing Daphne always adds a special touch with the cutest and delicious pick-me-up drinks (yum!). It’s a warm, professional environment from start to finish👌
I am also incredibly grateful to Rick for having us on and for the opportunity to share valuable resources with local seniors. I wouldn’t hesitate to recommend Rick to anyone looking for expert guidance when it comes to retirement planning!
Brenda Landry
1 year ago
I had the pleasure of taking the reverse mortgage home for purchasing classes offered by Rick, and I highly recommend them to any fellow REALTORS looking to deepen their knowledge in this area. His expertise as a reverse mortgage specialist is clear, and he presents the material in a way that is both engaging and easy to understand. Not only did I walk away with a stronger understanding of how these products work, but I also had the opportunity to collaborate with him on client scenarios — which proved incredibly valuable. His professionalism, responsiveness, and willing to support agents and his clients in navigating through the process sets him apart. I truly recommend Rick as your VIP Reverse Mortgage Specialist.
Terry Pierce
2 years ago
Having Rick Rodriguez take care of our reverse mortgage was the best choice ever made, he was so knowledgeable and guided me through the whole process ensuring I fully understood all the paperwork. The process went smoothly and quickly. I highly recommend Rick Rodriguez and VIP mortgage. Thank you for everything.
Tim Geiger
2 years ago
We have taken a Reverse Mortgage on our home through VIP Mortgage with Rick Rodriguez. Rick guided us through the process very efficiently and comfortably. We were not familiar with the Reverse Mortgage and Rick explained all of the many details to us answering all our questions and dispelling any concerns we may have had. We highly recommend Rick for your Reverse Mortgage needs and recommend you call him if you have questions regarding Reverse Mortgages.
Allana Meyer
2 years ago
Rick Rodriguez has been a delight to work with during the whole reverse mortgage process. We were quite naïve to the latest and greatest in reverse mortgage features and Rick patiently worked through educating us, not just selling us. I think everyone that is “ house rich” needs to at least have a conversation with Rick and see what their options are.
Rick Cosgrove
2 years ago
I've had the pleasure of really getting to know Rick Rodriguez I've the last couple of years. His knowledge and expertise with regards to Reverse Mortgages and the guidelines/criteria is second to none. I have referred several clients his way and had the opportunity to watch him in action. He's extremely, responsive, attentive, and passionate about helping others. I wouldn't hesitate to continue referring my clients his way as the feedback has been 5 star. Thanks so much for all you do Mr. Rodriguez!!
steve moran
2 years ago
Rick Rodriguez and his team offered exceptional service, anticipating questions with extensive knowledge that not only made them great to work with, but created a trust that helped the (sometimes intimidating) process run smoothly. I couldn’t recommend Rick more highly—and I almost never write reviews.
Jay austin
2 years ago
I really appreciate doing Business with professionals and Meeting Rick for the first time, and with knowing very little about reverse mortgages it was such an amazing experience. He was so professional an explained reverse mortgages in a way my entire family could understand. He took the time to explain everything to my 75 year old Mother and ensure her that she was in total control of the process and her best interests will always be the priority. I would put 10 star rating for Rick and his entire Team if this app would allow it. Thanks Rick!!!
Kathryn Mamona-Valle
2 years ago
Rick Rodriguez is a really great guy to work with. He always makes himself available. I have contacted him on weekends and on his time off during the week, and he is always gracious enough to answer any questions that I might have or help in any other way. Kudos to VIP for having such a personable person.
Cynthia G
2 years ago
Rick Rodriguez was a pleasure to work with and was very helpful in educating us on the Reverse Mortgage process. We will definitely recommend Rick to others in the future.
george mallory
2 years ago
Hi my name is George Mallory and I recently called Rick Rodriguez at V.I.P. Mortgage to inquire about a reverse mortgage on my house.we had a meeting and he explained what a reverse mortgage was and how they work in very good detail.So after the meeting I was convinced that a Reverse mortgage would work for me.Rick and his team got the ball rolling and I must say I’ve never had a better and smother mortgage transaction,the process is very detailed and thorough.The time line was also quick for me five weeks,And when I closed the Mortgage transaction.It was one of the best days of my life. So in closing I would like to add what made my determination to get a Reverse Mortgage.(Who are you saving it for?And why when you can have the best of both worlds and never have a House Payment for the rest of your life and have Equity after your Death). I highly recommend V.I.P. Mortgage for your reverse mortgage needs. Five Stars here 😊
Daniel Evertsz
2 years ago
Rick is awesome, he held our hand through the entire process and made it happen. He is the number one reverse mortgage guy in Las Vegas.
Joanne De Vescovi
2 years ago
Thank you for your guidance and help. I appreciate everything you've done for me. Joanne
Pat Jensen
2 years ago
Meeting Rick for the first time, and with knowing very little about reverse mortgages it was such a comforting experience. He was so professional an explained reverse mortgages in a way anyone could understand. Every question that we asked, there was no hesitation what-so-ever. We knew right away that he was very knowledgeable & passionate about helping people understand the entire process.
After I found my perfect home, he was there through ever aspect of the process. He made the entire process a wonderful experience. I would recommend Rick to anyone. I now have the peace of mind going into my retirement from the work force. NO stress financially now, and can
After I found my perfect home, he was there through ever aspect of the process. He made the entire process a wonderful experience. I would recommend Rick to anyone. I now have the peace of mind going into my retirement from the work force. NO stress financially now, and can
susan denton
2 years ago
Rick Rodriguez was a pleasure to work with. He was always available when I needed help with anything or any questions. The whole experience doing a reverse mortgage was easy and all my questions were answered to my satisfaction no matter how many times I might have asked the same one. When you’re doing something like this that could affect your financial safety you want to do it with someone you trust. I would definitely recommend Rick and his team at Fairway with a reverse mortgage, they know what they are doing.. experts in their field!!
Reverse Mortgage
Calculator
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Why Homeowners Trust Us
CRMP® (Certified Reverse Mortgage Professional)
20+ years focused on reverse mortgages (since 2005)
Company Licensed nationwide · NMLS #473353
Top local reviews and professional referrals
Experienced, education-first, no pressure
