A Better Retirement Plan Requires a Shift in Thinking

Reversing PA Mortgage helps homeowners 55+ turn home equity into cash flow, freedom, and peace of mind — through Reverse Mortgages, Reverse Purchase, and Jumbo Reverse programs. No monthly mortgage payment is required.*

Million Jumbo Limit
(Possibly More)

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Required Payment*

$ 0

LOC Growth Example

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Retirement Is Expensive. Why Carry a Mortgage Payment on a Fixed Income?

Twelve realities every homeowner nearing retirement should understand before ruling out their home equity.

Retirement is expensive: why carry a mortgage payment on a fixed income?
1 million people over age 60 who enter a 30-year mortgage never finish paying the note off.
IO: Interest-Only loans are a ticking time bomb.
If you’re not living in your dream house, what’s stopping you? Consider a Reverse Purchase.
People are living longer, but not accumulating the wealth needed to support a longer retirement.
AARP states 90% of people 65 and older want to remain in the comfort of their home.
Today, more older adults have a difficult time meeting Fannie Mae guidelines/income qualifications to qualify for a bank loan or mortgage.
*Set up a Standby Line of Credit for unexpected expenses and rising costs — safer and more secure than any HELOC offer.
You can use money from a reverse mortgage to avoid withdrawing principal from your existing investments.
When you are in your 60s and planning retirement, it’s smart to look at all your assets, including your home equity.
Consider a reverse mortgage a welcome source of financial independence: a financial planning tool, a safety net.
Flexibility of mortgage payments vs. a traditional mortgage, which requires mandatory payments.

Our Programs

Four Ways to Put Your Home Equity to Work

Reverse Mortgage:
Age 62+

Put your home equity to work: a line of credit, monthly allowance, lump sum, or a combination, with no required monthly mortgage payment. You retain title to your home — it passes to your heirs, estate, or named person, not the bank.

Standby Line of Credit: Grows Every Year

*A line of credit that cannot be canceled, frozen, reduced, or capped — and grows every month you don’t use it, regardless of home value. No return monthly mortgage payments are required; payments are optional.

Reverse Purchase (H4P:
Age 62+

Down-size, up-size, or relocate closer to family. Put down roughly half the sale price and let the reverse mortgage cover the rest — no monthly mortgage payment required.

Jumbo Reverse Mortgage: Age 55+

For higher-value homes and condominiums, with a maximum principal limit of $4,000,000 (possibly more). Preserve your invested assets, hold onto your hard-earned cash. It may help you more comfortably afford an upgrade or spend less money out-of-pocket.

Advanced Planning Ideas Built Around Your Home Equity

A reverse mortgage isn’t a loan of last resort — it’s a true financial planning tool used by advisors to solve specific retirement challenges.

LEGACY PLANNING

Fund Single-Premium Life Insurance

Two 70-year-old borrowers own a $1.5 million California home free and clear. Using a reverse mortgage line of credit to fund a $500,000 single-premium life insurance policy delivers a $2,000,000 tax-free payout to their children — versus inheriting the home and paying a 37% inheritance tax.

FAMILY & LIFESTYLE

Purchase a Vacation Home

Pull equity from a home in a high-value area to pay cash for a beach, mountain, or lake house. The family enjoys the vacation home for years; later, the original home is sold to pay off the reverse mortgage line of credit, and the vacation home passes to the children to remain in the family.

CARE PROTECTION

Long-Term Care Insurance with a Life Insurance Rider

Use a reverse mortgage to pay for a long-term care policy with a life insurance rider. If the borrower needs in-home long-term care to age in place, they're covered. If they pass away suddenly without needing care, beneficiaries receive the life insurance benefit — nothing is wasted.

JUMBO PROGRAM

Preserve Invested Assets

Wealthy homeowners use jumbo reverse mortgages up to $4,000,000 (possibly more) to fund home repairs or modifications, help a child purchase property, provide early inheritance, establish grandchildren's college funds, or simply hold onto hard-earned cash instead of liquidating a portfolio.

A Better Retirement Plan,
in Action

Illustrative case studies showing how a reverse mortgage can reshape monthly cash flow, replace lost income, and establish long-term security. Examples are for illustration purposes only; numbers vary by state.

Ready to see what your home equity can do for your retirement?

This material is not from HUD or FHA and has not been approved by HUD or a government agency. *With a reverse mortgage, the homeowner must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The homeowner must maintain the home; if the homeowner does not meet the loan obligations, then the loan will need to be repaid. At least one borrower must be age 62 (Jumbo age 55). Purchase occupancy is required within 60 days of loan closing.

Under most circumstances, the borrower can expect to put down about half of the sale price. HECM = Home Equity Conversion Mortgage (a.k.a. a Reverse Mortgage).

Examples, case studies, and illustrations throughout this document are for illustration purposes only, are not based on factual numbers unless stated, and vary depending on the state you live in.

Subject to change at any time. Consult a licensed insurance professional, financial planner/advisor, or tax professional to discuss your personal situation. Licensed in PA #53672 and FL #MBR2252.

NMLS# 1396947 · NMLS# 131880 · Equal Housing Lender

Facts