FHA-insured
HECM
Home Equity Conversion Mortgage
Receive loan proceeds as a lump sum or monthly payouts.
Payment choices depend on the rate and loan plan. FHA-insured for eligible homeowners 62+.
LOAN PROGRAMS
Explore reverse
mortgage options.
Compare ways to use your home equity. Understand the differences and explore what may fit your needs.
Five Star Rated
25+ Years of Experience
Based in San Diego. Serving homeowners throughout California.
FIND YOUR PATH
Understand the options
An educational overview. Ask an advisor about current availability and eligibility.
Flexible access
HECM Line of Credit
Access cash for home repairs, paying off debt, or unexpected expenses.
- Pay a little, a lot, or nothing each month.*
- Your unused credit line keeps growing.*
- A drop in home value won’t freeze, reduce, or cancel your credit line.*
- Sell your home at any time without a prepayment penalty.
- Pay back part or all of your loan anytime—no prepayment penalty.
- FHA-insured, non-recourse protection for you and your heirs.*
- You may qualify without a job.*
Your next home
HECM for Purchase
Buy a new principal residence using HECM proceeds plus your own funds.
Down payment and closing costs apply. For eligible homebuyers age 62+.
Private loan option
Jumbo / proprietary reverse
Private loans often considered for higher-value homes.
Not FHA-insured. Availability, age requirements and loan terms vary by lender.
Line of Credit and Purchase are ways to use a HECM. Jumbo / proprietary loans are separate, non-FHA options.
Clear responsibilities. Informed decisions.
Eligibility review
HECMs require sufficient equity, financial and credit assessment, and HUD-approved counseling. Property eligibility also applies.
Home obligations
Pay property taxes and insurance. Maintain the home as your principal residence and meet the loan’s other conditions.
Loan costs / repayment
Interest and applicable fees accrue; HECMs include mortgage insurance. Repayment events and borrower protections depend on the loan.