We Are Your Trustworthy HECM Company

Senior Lending has been dedicated to one thing, providing the "peace of mind" to you and your family when it comes to funding your retirement.  Senior homeowners across the country are discovering the benefits of a Home Equity Conversion Mortgage (HECM). The Federally Insured HECM allows you to access your home’s equity to help financially secure your retirement.

At Senior Lending, your trustworthy Florida HECM company, informing and educating you about the benefits of the HECM program is our top priority. Our HECM Specialists make the difference, thanks to their dedication to understanding your financial circumstances and objectives. All in all, they know every financial situation is unique.

Some of the benefits of the HECM include; paying off your current mortgage, which increases your monthly cash flow, protecting retirement assets, providing long-term care, paying off credit cards or other debt, home repairs and improvements, and more! We are here to help you make the right decision for your future with the use of the Federally Insured HECM. 

First things first, 98% of all reverse mortgages are the Federally Insured Home Equity Conversion Mortgage or HECM reverse mortgage. The "all new" HECM is the
Federal Housing Administration's upgraded - reverse mortgage type loan program. The "old" reverse mortgage is obsolete - making it impossible to really compare the two.

The HECM is a unique home equity credit line geared toward assisting retirement-aged homeowners gain better control over mortgage repayments with the ability to pay any amount at any time towards the balance, since there are NO required monthly mortgage payments.....they are completely FLEXIBLE! As the leading HECM company in Florida, we are here to answer any question you may have!

To Illustrate the Flexible Payments:
Your current mortgage will be paid off and you will be provided with a credit line that offers
3 different payment options:

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  1. Pay Principal & Interest   (Like you're currently doing now)
  2. Pay Interest-Only    (Like a regular line of credit)
  3. Pay Nothing at all   (The option is yours every month!)

There are so many different ways to utilize the HECM Credit Line - and having control of your mortgage payments is just one of them!  The HECM Credit Line is far better than a traditional line of credit from a bank! Click here...... HECM vs. HELOC  to see the major differences.

As trustworthy HECM Company, we want to make sure all your questions are answered. If you would like more information or insights on the benefits of HECM, submit the form on the right or you can call us at 1-800-822-1190 for immediate answers.

Senior Lending

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SENIOR LENDING
The Leading HECM Reverse Mortgage Company

reverse mortgage

questions &
Answers

Today’s retirees are looking for other ways to enhance their retirement and many are using the Federally Insured HECM program.

Click here to see some of the answers to common questions...

reverse mortgage

New Thinking for Retirement Planning

With proven research, many financial advisors today are now exploring when and how to use a Federally Insured HECM Credit Line in their client's overall retirement plan.

Click here to see some of the benefits from proven research….

reverse mortgage

Discover why a HECM is better than a HELOC

If you’ve considered having a Line of Credit on your home for any reason, it’s worth the time to see how the Federally Insured HECM Credit Line can protect you more when it comes to your home’s equity than a traditional bank HELOC

Click here to see some of the differences between the HECM and a HELOC…

reverse mortgage

Right Sizing?

Use the HECM for Purchase (H4P) product to buy a "Right-Sized" home that fits your needs without the burden of a monthly mortgage payment.

Click here to learn more about the benefits of the HECM for Purchase…

reverse mortgage

questions &
Answers

Today’s retirees are looking for other ways to enhance their retirement and many are using the Federally Insured HECM program.

Click here to see some of the answers to common questions...

reverse mortgage

New Thinking for Retirement Planning

With proven research, many financial advisors today are now exploring when and how to use a Federally Insured HECM Credit Line in their client's overall retirement plan.

Click here to see some of the benefits from proven research….

reverse mortgage

Discover why a HECM is better than a HELOC

If you’ve considered having a Line of Credit on your home for any reason, it’s worth the time to see how the Federally Insured HECM Credit Line can protect you more when it comes to your home’s equity than a traditional bank HELOC

Click here to see some of the differences between the HECM and a HELOC…

reverse mortgage

Right Sizing?

Use the HECM for Purchase (H4P) product to buy a "Right-Sized" home that fits your needs without the burden of a monthly mortgage payment.

Click here to learn more about the benefits of the HECM for Purchase…

HECM Credit Line

Is a HECM better than a HELOC?

HECM Credit Line Options

HECM For Purchase

Mortgage Free Retirement Living

HECM For Purchase Options

What Our Clients Say About Us

  • Opened many opportunities...

    "The HECM has improved my retirement. It has opened many opportunities for leisure time and money to do things that weren't available prior. I recommended several people who have taken advantage of it and they, too, have said it was a great move for them."

    John R.

  • Flexible payments...

    "We had quite a large mortgage payment and if something happened to either one of us, with the loss of income, the other one would have to sell and move out of our home. The HECM completely relieved our stress. The Flexible payments which includes the no-payment option is perfect for us because when that time comes we now have no fear of losing the house because the HECM doesn't have any required monthly payments. We really can't understand why everyone who 62 doesn't do this."

    Bob & Joyce S.

  • Monthly income...

    "What made a Federally Insured HECM the right decision for us was additional income every month. It has given us security and the ability to treat our children and ourselves to a better lifestyle. To help my son after his divorce now when he really needed it without putting us in a bind made us feel fantastic. A HECM is a fabulous way to supplement your income and have a secure future."

    Alvin & Eileen C.

  • Home Improvements...

    "I had a new roof put on, i bought a new furnace and air conditioning unit, I had my house painted on the outside and some other minor things done. Anything I had a question I could call my advisor. He was very helpful. I was very pleased with the way everything was handled."

    Geraldine O.

  • HECM "Growing" Credit Line...

    "We didn't need the money now, but over time the growing Credit Line limit will increase dramatically from $200,000 to over $590,000! Our financial planner agreed that this will strengthen our current portfolio so there's no fear of running out of money. It's amazing to think that if and when we need access to money, it'll be there. We couldn't be happier!"

    Jerry & Nancy N.

  • We purchased our dream retirement home...

    "We only had $179,250 from the sale of our home in New York and wanted to buy our dream retirement home on the water here in Florida. With the help from our realtor who works with Senior Lending, we were able to purchase a home for $375,000. For the difference, we used the HECM for Purchase Loan which has no monthly mortgage payments. We wouldn't have been able to buy this size house without the HECM for Purchase. Thank you Senior Lending for making our dreams come true"

    Dave & Betsy G.

Frequently Asked Questions

Call Now To Speak With A Senior Lending HECM Specialist