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What is a Reverse Mortgage Loan?

A reverse mortgage loan is a type of mortgage loan designed for borrowers aged 62 years or older. A reverse mortgage allows homeowners to convert a percentage of the equity in their home into cash, fixed monthly advances, or a line of credit — and defer repayment of the loan so long as they live in the home and pay the property charges, like taxes and insurance.

Benefits

• No monthly mortgage payments
• Growing line of credit
• Increased discretionary cash flow
• Sell your home at any time
• Bridge the medicare gap
• Increase your purchasing power

Eligibility

• Borrower(s) must be 62 years or older
• Property must be 1–4-unit primary residence
• Must meet credit and property requirements
• Must receive certificate from a HUD-approved agency
• Must not be delinquent on any federal debt

Maximize Retirement with Your Home Equity

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Frequently Asked Questions

How does a reverse mortgage work?

You are paid an advance on a percentage of your home equity. There are no required monthly mortgage payments. The loan typically becomes due and payable when the last surviving borrower permanently moves out of the home or passes away.

What are the eligibility requirements?

• Borrower(s) must be 62 years or older
• Property must be a 1-4 unit primary residence
• Must meet minimal credit and property requirements
• Must receive reverse mortgage certificate from a HUD-approved agency
• Must not be delinquent on any federal debt

How much money do I need for closing?

A reverse mortgage can be structured to allow for little to no money out-of-pocket!

What if I change my mind?

You can get out of a reverse mortgage by paying off the loan balance in full, refinancing into another reverse mortgage or standard mortgage, or by selling your home. When you sell your home, the reverse mortgage loan balance would become due and payable in full.

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Reverse Mortgage
Loan Originators

Brent Berti
Brent Berti
Senior Home Equity Conversion Specialist
NMLS #14120

The borrower is responsible for paying property taxes, and insurance and maintaining the home as their primary residence. This information does not constitute legal, tax, or financial planning advice. You should consult an attorney, tax advisor, or financial planning professional for your specific situation. This program is not available in all states. Guidelines and availability are subject to change. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Loans are provided through third-party providers.