You’ll speak with a reverse mortgage specialist who can answer every question and give you a clear picture of what’s possible—completely free, with no obligation to apply.

All reverse mortgages require a session with an independent counselor before you apply. This person works for you—not us. They’ll walk you through every option, every cost, and every alternative so you feel fully informed. This step protects you and is required by law for HECMs.

A dedicated specialist walks you through each part of the paperwork. You’ll always know where things stand and what’s coming next.

An appraiser visits to determine your home’s current market value. This confirms your loan amount, and must be performed by a FHA-approved counselor for HECMs. Your application is submitted to underwriting to determine whether you meet loan requirements at the same time.

If approved, you’ll receive confirmation that your loan is approved and ready to close. Your loan officer will walk you through the final numbers and make sure all your questions are answered before signing.

After signing, there’s a 3-business-day waiting period. During this time, you can cancel for any reason. Once that period ends, your funds are delivered based on how you chose to receive them. You can cancel within that time, no questions asked.