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How It Works

Loan Calculations

The amount you receive is based on current interest rates, current federal lending limits, the age of the youngest borrower, and the appraised value of your home. Before you can get cash, a reverse mortgage must first be used to pay off any existing mortgages, liens or loans on your home. Go to Calculator


Accessing Your Equity

You can access available cash in several ways: a lump sum, fixed monthly payments, a line of credit that you can draw upon as needed, or any combination of these options. We will help you tailor them to your personal situation and individual needs.


Loan Repayment

Monthly mortgage payments are not required. The outstanding loan balance is not due as long as you live in the home as your primary residence, continue to pay required property taxes, homeowners insurance and HOA fees, and maintain the home according to Federal guidelines. The loan will generally become due once the last surviving borrower no longer resides at the property. At that time, your home may be sold and any remaining equity goes to you or your heirs. There are never any pre-payment penalties of any kind.

Learn More

Arrange Your No-Cost, No-Obligation Consultation with Mike Peerless, Reverse Mortgage Director, NMLS#1073735

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Call Us: 386-671-7526