Reverse Mortgage Products

One Reverse Mortgage offers 3 different loan options:

HECM Fixed


The HECM Fixed rate option is designed for people requiring a greater amount of money available to them to pay for mandatory obligations like their current mortgage balance, property liens, repair requirements and reverse mortgage loan closing costs. You will receive your money in one lump sum at closing and the low fixed rate remains the same through the life of the loan.

HECM Line of Credit


The HECM Line of Credit rate reverse mortgage is available to everyone that qualifies and offers different ways to receive money available to you. One option offers lower closing costs by limiting your initial money disbursement for the first year based on the FHA pre-determined limit. Other options include receiving your money in smaller amounts monthly, a full draw on your line of credit at closing, accessing your line of credit when you need to or any combination of these. Another great benefit of this option is your unused line of credit may grow over time.

HECM For Purchase


A HECM for Purchase allows you to finance the purchase of a home using a reverse mortgage. There are no monthly mortgage payments. This option gives seniors the chance to find a home that meets their needs or move closer to family. Please contact a reverse mortgage expert for more information on the HECM for Purchase loan program.

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Reverse mortgages are Government Insured and Approved by the Department of Housing & Urban Development (HUD)