Your home has been working for you for decades.
Now let it fund the life you've earned.
A reverse mortgage is a federally-backed loan that lets homeowners 55 and older convert a portion of their home's equity into cash — without selling their home or making monthly mortgage payments.
The most common type is the HECM (Home Equity Conversion Mortgage), insured by the FHA and regulated by HUD. It gives you the option to receive funds as a lump sum, monthly payments, a line of credit, or a combination.
You remain on title. You stay in your home. The loan is repaid when you sell, move out permanently, or the estate is settled.
Access your equity without the burden of new monthly obligations.
Remain on title and continue living in your primary residence.
Lump sum, monthly installments, line of credit, or a combination.
You can never owe more than your home's value at time of repayment.
Reverse mortgages are available to homeowners 55 and older in 48 states. If you own your home and have significant equity built up, you may be eligible — Rose can walk you through the details in a free, no-pressure consultation.
At least one borrower on the property must be 55 or older. Some proprietary programs have a minimum age of 62.
The property must be your primary home — the place you live in for the majority of the year.
Typically at least 50% equity in your home. Higher equity means greater access to funds.
Rose's core specialty. Whether you're exploring a standard HECM, a jumbo/proprietary reverse mortgage, or a HECM for Purchase — she brings deep expertise and a personalized approach to help you understand every option before you decide.
Conventional, FHA, VA, and jumbo loans for buyers and homeowners across all life stages.
Not sure which loan product fits your situation? Rose will assess your goals and lay out your options clearly.
No pressure. No jargon. Just a real conversation about what's possible for your situation. Rose serves homeowners in 48 states and responds personally to every inquiry.
Rose or her team will reach out within one business day.
Rose will be in touch within one business day. In the meantime, feel free to call directly at (562) 889-3409.
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