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Retire With Peace of Mind.
Stay In Your Home.
Turn a portion of your home's equity into tax-free cash. Eliminate your monthly mortgage payments and secure your financial independence during your golden years.
- Receive tax-free funds to use however you wish.
- You continue to own your home, just like a regular mortgage.
- FHA-insured program designed specifically for seniors.
Request Your Free Information Kit
Find out exactly how much cash you may qualify for. No obligations, no pushy sales calls.
How a Reverse Mortgage Changes Your Retirement
Many seniors are "house rich but cash poor." A Home Equity Conversion Mortgage (HECM) is a government-insured loan that helps you unlock that wealth safely.
Eliminate Mortgage Payments
The proceeds from a reverse mortgage first pay off your existing mortgage (if you have one). This instantly frees up cash flow every single month.
*You must still pay property taxes and insurance.
Tax-Free Cash Flow
Because the money you receive is a loan advance, not income, it is generally tax-free. Use it to pay medical bills, travel, renovate your home, or help your grandchildren.
Non-Recourse Protection
You or your heirs will never owe more than the home is worth when it is sold to repay the loan, even if the home's value drops. This is guaranteed by FHA insurance.
Myths vs. Facts
Myth: The bank takes ownership of my home.
Fact: False. You remain the owner of your home. You are on the title just like a traditional mortgage, as long as you pay your property taxes and insurance and maintain the home.
Myth: I can't leave my home to my children.
Fact: You can still leave your home to your heirs. They will have the option to pay off the loan balance and keep the home, or sell the home to pay off the loan and keep the remaining equity.
Myth: I can be forced to move out.
Fact: As long as you comply with the loan terms (living in it as your primary residence, paying taxes/insurance), the loan does not become due and you cannot be forced to move.
Hear From Our Clients
"When my husband passed, I struggled to make the $1,200 monthly mortgage payment on my fixed income. The team at Heritage helped me set up a reverse mortgage. It paid off my old loan completely. The relief I felt was indescribable. I get to stay in the home we built together."
Barbara S., 74
Florida
"We wanted to help our granddaughter pay for college, but our savings were tied up in the equity of our house. We took out a reverse mortgage line of credit. It gave us the cash we needed, tax-free, and we still own our beautiful home. The advisors were so patient and explained everything."
Robert & Mary D., 68
Texas
Discover What You Qualify For
Call us toll-free or request your free, no-obligation information kit online today.