Comparing HECM and proprietary loan options
FHA
Backed options
$4M
Jumbo limits
0
Monthly payments
HomeSafe Jumbo Product
Specialized financing engineered for higher-value properties exceeding standard lending limits, delivering proceeds up to four million dollars without mortgage insurance premiums.
FHA-Insured HECM Loan
The standard government-backed home equity conversion mortgage providing federal insurance guarantees, flexible payout options, and reliable credit line growth regardless of market fluctuations.
Structured income and growth lines
Compounding unused credit growth
The unused portion of your HECM line of credit automatically grows over time at the note rate plus annual fee, expanding your available retirement resources securely.
Predictable scheduled distributions
Establish fixed monthly disbursements to supplement fixed retirement income streams, covering ongoing healthcare costs or daily living expenses with complete predictability.
Transparent qualification and borrower protections
Borrowers retain permanent title to the real estate, remaining responsible only for property taxes, homeowners insurance, and routine property maintenance under strict federal guidelines.