Turn Your Home into a Retirement Fund
Unlock Your Financial Freedom
with a Reverse Mortgage
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Daniel Lotz
Daniel Lotz
What is a
reverse mortgage
A Reverse Mortgage is a safe and reliable financial tool that allows homeowners aged 62 and older to convert the equity in their home into tax free cash.
A reverse mortgage provides the
financial security you deserve.
Invest in
Travelling the
world
Enjoy a
comfortable
retirement
Secure your
Grandchildren’s
future
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Reverse Mortgages
Safe, Secure and Designed Specifically For You
Federally Regulated and Safe for Seniors
- Eligibility: Age 55+
- Loan tailored to your circumstances
Guaranteed Access to Your Money
- Use your funds freely
- Non-taxable cash
No Monthly Mortgage Payments
- Lifetime guarantee: No payments required,
- no matter the economy or how long you live.
Heirs Can Still Inherit
- Your heirs have 12 months to settle
- your estate and receive an inheritance.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
How Does It Work?
Eligibility
To qualify for a reverse mortgage, you must be at least 62 years old (55 in some states) with at least 50% home equity.
Flexible Payout Options
Line of Credit: Access funds as needed.
Lump Sum: A one-time lump sum payment.
Monthly Payments: Get regular payments
No Income Requirements
Unlike traditional loans, a reverse mortgage doesn’t hinge on your credit score or income. It’s about unlocking the value you’ve already built.
Repayment
The loan becomes due when you sell the home, move out, or pass away. Your heirs can can repay or sell the house to settle the debt.
Stay in Your Home
You can continue living in your home as long as you meet basic requirements (e.g., maintaining the property and paying property taxes).
No Monthly Payments
With a reverse mortgage, you won’t have to make monthly payments. Instead, the loan balance accumulates over time.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
How are reverse mortgages different today?
Today’s Reverse Mortgages are highly regulated by State and Federal laws to make them safe and to protect you. Among others, the following regulations apply.
- You retain title of the home.
- Fees and costs are federally regulate.
- No equity share is allowed, meaning the lender does not slowly take over your home.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Reverse Mortgage loan types
Home Equity Conversion
Mortgages
-
Safe and government regulated
Reverse Mortgage. - Never expiring, growing lines of credit, monthly income for life, cash up front.
-
You will never be required to make
a mortgage payment. -
Be owner of your
own home.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
HomeSafe Reverse Mortgages
Jumbo Reverse Mortgages
-
Utilized by owners of homes whose high
values make the HECM loan more limiting. -
You have guaranteed access to
your money.
-
Often referred to as Jumbo
Reverse Mortgages. -
Be owner of your
own home
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Hybrid Reverse
Mortgages
-
Utilized by owners of homes whose high
values make the HECM loan more limiting. -
You have guaranteed access to
your money.
-
Often referred to as Jumbo
Reverse Mortgages. -
Be owner of your
own home.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Reverse Purchase
Loans
-
Utilized by owners of homes whose high
values make the HECM loan more limiting. -
You have guaranteed access to
your money.
-
Often referred to as Jumbo
Reverse Mortgages. -
Be owner of your
own home.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Reverse Second
Mortgages
-
Utilized by owners of homes whose high
values make the HECM loan more limiting. -
You have guaranteed access to
your money.
-
Often referred to as Jumbo
Reverse Mortgages. -
Be owner of your
own home.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Compare your home equity options
Every retirement is unique, the financial tools that support them should be too. Let’s compare a
Reverse Mortgage and a home equity line of credit (HELOC) to see which option is right for you.
Reserve Mortgage
HELOC
Minimum credit
score required
No (financial assessment required)
Yes - minimum 680 credit score required
Monthly mortgage
payment required
No - if loan requirements are met
Yes-for 30 years, interest-only for 10 years,
then fully amortizing over 20 years
Minimum age
Yes-55, 60, or 62 depending on your state
No
Proceeds distribution
method
Lump sum, line of credit, scheduled payments,
or a combination
Line of credit, which can be drawn within
the first 10 years
Borrower still
owns the home
Yes
Yes
Unused line of credit
grows over time
Yes
No
Compare your home equity options
Every retirement is unique, the financial tools that support them should be too. Let’s compare a
Reverse Mortgage and a home equity line of credit (HELOC) to see which option is right for you.
Reserve Mortgage
HELOC
Minimum credit
score required
No (financial assessment required)
Yes - minimum 680 credit score required
Monthly mortgage
payment required
No - if loan requirements are met
Yes-for 30 years, interest-only for 10 years,
then fully amortizing over 20 years
Minimum age
Yes-55, 60, or 62 depending on your state
No
Proceeds distribution
method
Lump sum, line of credit, scheduled payments,
or a combination
Line of credit, which can be drawn within
the first 10 years
Borrower still
owns the home
Yes
Yes
Unused line of credit
grows over time
Yes
No
What’s in it
for you?
Financial Flexibility
Use the funds for home improvements, medical expenses, travel, or any other purpose.
Peace of Mind
Proceeds can be used at the discretion of the borrower to supplement their retirement income.
Security
You don’t need to sell your home to access funds.
Retire With Confidence
Retirement planning can be daunting. Many individuals worry about having enough savings to maintain their lifestyle without working indefinitely. The fear of outliving their nest egg keeps them up at night. But what if I told you that your home equity could be the key to a more secure retirement?
Leverage Your Home Equity
Most retirees have substantial equity tied up in their homes. This equity represents the value of the property they’ve built over the years. Instead of letting it sit idle, a reverse mortgage allows homeowners aged 62 and older to tap into this wealth.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Why People 55+ Love This Mortgage Product
01
Financial
Stress Relief
Not Enough Savings
The common thought is that other seniors have plenty saved up – the reality is the majority of many baby boomers and seniors find themselves in a challenging situation. Despite years of hard work, they haven’t saved enough for retirement. The fear of outliving their savings keeps them up at night.
The Solution
Enter the reverse mortgage. It’s like a financial safety net. By leveraging their home equity, seniors can reduce the pressure to save aggressively. Instead of relying solely on their limited savings, they can tap into their home’s value to cover living expenses, healthcare costs, and more.
02
Retire Earlier, Enjoy
More Freedom
Accumulated Home Equity
Most seniors have diligently paid off their mortgages over the years. Their homes have become valuable assets. With a reverse mortgage, they can unlock this equity without selling or moving out.
The Benefits
Retire Sooner:
Imagine retiring earlier than expected.
Financial Freedom
seniors can use the funds to enhance their lifestyle.
03
Risk Free
Solution
Peace of Mind
Seniors worry about financial risks. But here’s the beauty of a reverse mortgage: It’s effectively risk-free.
The Benefits
No Repayment Pressure
Unlike traditional loans, there’s no rush to repay.
Stay in Their Home
Seniors can continue living in their beloved home.
The Reverse One Team is dedicated to one thing: You
We specialize in Reverse Mortgages, ensuring you have the smoothest experience possible. Each team member has a unique role, allowing us to focus on our individual expertise and create a process that moves seamlessly from milestone to milestone.
- Or feel free to give us a call now at
- +1 949-919-6105
- to learn more
Reverse mortgage wins
Jenny and Tom
We removed the worry of having to sell our forever home.
Muhammad
I added an additional “tax-free” monthly income source.
Suzanne
I retired early, allowing for more time spent with family.
Bennet
I eliminated my mortgage payment, all credit card debts, and provided a line of credit to draw from in case of emergencies.
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095AZ
* Disclaimer: Eligibility for homeowners age 55+ applies to most states, but not all. The age requirement to be eligible for a Reverse Mortgage is state specific. Please speak to our Reverse Mortgage Specialist to learn the age requirement for your state.
THIS SITE IS NOT AUTHORIZED BY THE NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES. PHONE NUMBERS DISPLAYED ARE NOT FOR USE BY NEW YORK BORROWERS. NO MORTGAGE SOLICITATION ACTIVITY OR LOAN APPLICATIONS FOR PROPERTIES LOCATED IN THE STATE OF NEW YORK CAN BE ACCEPTED THROUGH THIS SITE.