Initial equity review
Independent HUD counseling
Appraisal and underwriting
Closing and equity distribution
We calculate home valuation, existing liens, and youngest borrower age to determine maximum borrowing capacity under current federal lending limits.
Federal regulations require completing a confidential session with a certified third-party housing counselor before any application paperwork is formally submitted.
An FHA-approved independent appraiser evaluates property condition, followed by clear title verification and residual income qualification review.
Final loan documents are signed with your title company, disbursing funds via lump sum, fixed monthly tenure, or an appreciating standby credit line.
Protecting your family legacy
You remain the sole owner on the property deed throughout the life of the loan. The mortgage balance becomes due only when the final surviving borrower permanently departs the home, sells, or passes away.
All federally insured HECM reverse mortgages feature non-recourse limits. Heirs inherit all remaining home equity upon payoff, and family members are never liable for debt exceeding the home's fair market value.
Accounts from retirement
The HUD counselor walked through every repayment clause with our estate attorney. Knowing my wife remains secure on the deed gave us permanent peace.
Arthur & Evelyn M., Homeowners since 1984
Eliminating our monthly principal payment freed cash flow for prescription costs without forcing us to sell stocks in a depressed market.
David T., Retired Educator
Our sons attended every advisory meeting. The transparent loan amortization matched the closing estimates down to the exact dollar.
Eleanor S., Ohio Resident
Speak directly with a licensed retirement equity advisor alongside your family or financial planner. Plain terms, clear amortization schedules, and zero high-pressure sales.