Empower Your Retirement with a Reverse Mortgage
Unlock your home's equity without making regular monthly mortgage payments
What is a Reverse Mortgage and How Does it Work?
Eligibility: Homeowners 62 years* and older can apply
FHA-Backed: Securely supported by the FHA since 1988
Equity to Cash: Convert part of your home equity into cash without the need to sell
No Monthly Mortgage Payments: Regular payments are not required; however:
- Borrower Responsibilities:
- Keep up with property taxes
- Stay current on HOA dues, if applicable
- Maintain homeowner's insurance
- Ensure property maintenance
Repayment Terms: Deferred until the last borrower no longer resides in the home
*Available in certain states for individuals as young as 55.
Benefits of a Reverse Mortgage
- Convert Equity into Cash / Tax Free Income*
- Age in Place or find your retirement dream home
- No Monthly Mortgage Payments*
*Consult a financial advisor and appropriate government agencies for any effect on taxes or government benefits.
**Real estate taxes, homeowners' insurance, and property maintenance required
Quick Scenario Calculator
Determine your eligibility and potential benefits quickly.
Connect With a Reverse Mortgage Specialist Today
Our reverse mortgage experts are available to answer all your questions. The process is simple and there are no obligations.
(855) 995-5020
Why Chose Land Home?
Industry experts in refinance, purchase, new construction, and more. Licensed in 50 states.
With 35 years of home financing experience, we're not just lenders, but lifelong partners.
We are a Better Business Bureau (BBB) accredited business with an A+ rating.
The Reverse Mortgage Process
Our team provides tailored solutions, ensuring your loan process is seamless and customized to your individual needs.
Get a Quote
Begin by completing our inquiry form. A licensed Reverse Mortgage Specialist will then contact you to go over your options and clarify any questions you may have.
Fill Out FormCounseling
Engage in a counseling session provided by a list of approved counselors given to you by your specialist.
This can be done in person or over the phone, depending on your state's requirements, to ensure you fully understand the process and benefits.
Application and Documentation
Complete the initial application, submit disclosures, and provide necessary documentation for loan processing.
Loan Processing and Underwriting
Services such as appraisals are ordered, and your loan file is reviewed by underwriters to ensure compliance with all regulations.
Closing and Loan Servicing
Once approved, your loan closing will be scheduled. A Reverse Mortgage Specialist will guide you through closing and outline what to expect during loan servicing.