The home equity conversion mortgage (HECM) helps clients age 62+ turn a portion of their housing wealth into useable cash to achieve financial goals.

How a HECM can improve retirement

A HECM reverse mortgage eliminates your client’s monthly mortgage payment and unlocks funds that can be used virtually any way they wish to maintain and even improve their lifestyle.*

No monthly mortgage payments*

Clients keep more cash in their pocket each month.

Live in and own the home**

Clients retain title and can continue to enjoy their home.

Government-insured

Loan insured by the Federal Housing Administration (FHA).

*The borrower must meet all loan obligations, including living in the property as the principal residence, maintaining the home, and paying property charges, including property taxes, fees, hazard insurance. If the homeowner does not meet these loan obligations, then the loan will need to be repaid.



 **The right to remain in the home is contingent on paying property taxes and homeowner’s insurance, maintaining the home, and complying with the loan terms.

What a HECM can do
for your clients

  • Increase cash flow

    Free up cash by eliminating the need to make a mortgage payment each month.*

    *The borrower must meet all loan obligations, including living in the property as the principal residence, maintaining the home, and paying property charges, including property taxes, fees, hazard insurance. If the homeowner does not meet these loan obligations, then the loan will need to be repaid.

  • Cover medical expenses

    Address ongoing medical expenses, emergencies, and long-term care.

  • Fund home renovations

    Pay for home improvements that make their home safer, more enjoyable, and more suitable to their lifestyle.

  • Achieve retirement goals

    Take a well-deserved vacation, pursue hobbies and passions, and complete their retirement bucket list.

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Frequently asked questions

A HECM reverse mortgage is a loan exclusively available to homeowners 62+ that converts a portion of home equity into usable cash with no required monthly mortgage payments.*

*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid.