Reverse Mortgage Programs

Reverse mortgage solutions to fit your needs.

We take the time to talk to you in person and get to know you.  Only after knowing your needs can we suggest a solution that best fits your needs. We are going to lay out the proper solution for you. (Click here to see the reverse mortgage process.)

Below are four of our main programs.


HECM Annual Adjustable Rate

HECM Annual is a reverse mortgage whose interest rate adjusts only once a year, with a“lifetime cap” to ensure that your rate will never go beyond a certain percentage above over the initial rate. In addition, there’s an “interval cap” that guarantees that your interest rate cannot increase by more than a certain percentage annually. And to help give you financial flexibility, you have the choice of taking your funds as a lump sum, monthly advances, a line of credit or a combination of these. It’s up to you.

HECM Monthly Adjustable Rate

The interest rate on this HECM fluctuates on a monthly basis, but it also offers more options for homeowners — including a “rate cap” that guarantees that your rate will never go up more than a certain percent over the initial rate (depending on the loan options you choose). You can select a lump sum draw, line of credit, monthly advances, or a combination of these options. For example, you might choose to take some of your cash up front and put the rest in a line of credit, so it’s available when, and if, you need it. You only accrue interest on the money that you actually take.

Please fill out the form below to find out how much you qualify for.


HECM Fixed Rate

With an interest rate that’s established at the loan closing — and fixed for the life of the loan — you’ll always know exactly how much interest is accruing on your loan. However, with a HECM Fixed Rate, you are required to take all of your money at closing in one lump sum. This may be a desirable choice if you’re using your HECM to pay off a larger existing mortgage or cover other immediate needs.

HECM for Purchase

This home financing solution helps you purchase a new home that will better fit your future needs by taking out a loan on the home you are buying. Learn more.