Turn the equity you've built into the retirement you've earned.
A reverse mortgage lets homeowners 62+ convert home equity into cash, with no monthly mortgage payments, while staying in the home they love.
NMLS #1960736 · Licensed Mortgage Loan Originator · Equal Housing Lender
A loan built for this stage of life
A Home Equity Conversion Mortgage (HECM) is insured by the FHA and lets homeowners 62 and older draw on their home's equity without a monthly mortgage payment. You keep the title and continue to live in your home — you're just responsible for property taxes, homeowners insurance, and upkeep.
No monthly mortgage payments
You're never billed a monthly principal-and-interest payment for as long as you live in the home.
FHA-insured protection
HECM loans are insured by the Federal Housing Administration, with built-in consumer safeguards.
Stay in your home
You keep the title and can stay as long as it remains your primary residence and you meet loan terms.
Flexible payout options
Choose a lump sum, a line of credit, fixed monthly payments, or a combination of the three.
From first call to funded, in four steps
Every reverse mortgage includes independent HUD counseling, so you always have an unbiased third party reviewing the loan with you before you commit.
Free consultation
We'll talk through your goals, walk through your numbers, and see if a reverse mortgage fits — no obligation.
HUD counseling
You'll complete an independent counseling session, required by HUD, before your application moves forward.
Application & appraisal
We handle the paperwork while a licensed, independent appraiser determines your home's current value.
Closing & funding
You sign, the loan closes, and your funds arrive the way you chose — lump sum, line of credit, or monthly draws.
Reverse mortgages serve more than one kind of question
Homeowners 62+
You've paid into your home for decades. See how to turn that equity into income without giving up the house or taking on a monthly bill.
See if you qualify →Adult children
Researching options for a parent? We'll walk your whole family through the numbers, the risks, and the alternatives in plain language.
Get a family-friendly overview →Advisors & Realtors®
Financial planners, elder-law attorneys, and agents — partner with us to give your clients a clear, compliant reverse mortgage option.
Start a partnership →Myths & facts about reverse mortgages
"The bank will own my home."+
Myth. You keep the title in your name. Fact: the lender places a lien on the home, the same as with any traditional mortgage — ownership stays with you.
"My kids will inherit the debt."+
Myth. HECM loans are non-recourse. Fact: your heirs will never owe more than the home is worth when the loan becomes due, even if the balance is higher.
"I could lose my home if I live too long."+
Myth. As long as you meet the loan's terms. Fact: keep paying property taxes and insurance, and maintain the home, and you can stay for as long as you live there.
"It's only for people who are desperate for cash."+
Myth. Many borrowers use it proactively. Fact: retirees increasingly open a reverse mortgage line of credit as a planning tool, well before they need the funds.
Go deeper before you decide
Myths & Facts About Reverse Mortgages
A Guide for Adult Children
See What You Could Qualify For
Let's see what you could qualify for
Share a few details and I'll follow up personally — no call centers, no pressure.
Reverse Mortgage Specialist · NMLS #1960736
NEXA Lending, NMLS #1660690
5559 S Sossaman Rd, Bldg 1, Suite 101, Mesa, AZ 85212
Phone: (336) 267-1147