Your Retirement
Your Way

Use Your Home's Equity to Strengthen Your Retirement

Like most retirees, your home's equity or "Housing Wealth" is your largest asset.
Now's the time to put that equity to work for you.
Use Your Home's Equity To Supplement Your Retirement Income

Watch the "Blind Test" video to see why over 1 million retirees have chosen
The HECM Reverse Mortgage Line of Credit!

 
 

HECM Basics

What is a HECM?

First things first, 98% of all reverse mortgages are the Federally Insured Home Equity Conversion Mortgage, also known as a HECM, or "Heck-um". The "NEW" HECM is the Federal Housing Administration's upgraded or enhanced reverse mortgage credit line program. The "Old" reverse mortgage is obsolete - making it impossible to really compare the two.

A HECM is a Credit Line that allows you to access your home's equity for any purpose. This extra cash flow can help you meet your retirement needs, whether by paying off an existing mortgage, paying off credit card debt, making home improvements or repairs, advancing inheritance to your heirs or for any purpose you wish. There are NO required monthly payments on any balance you have from your HECM Credit Line. Monthly payments on any balance you have are completely Optional, so you can pay as little or as much as you want every month.

Key Benefits of the HECM Credit Line

 
  • Pay off your existing mortgage which increases your monthly cash flow
  • Flexible Payments: You can pay interest-only, principal & interest or Nothing at all.
  • Pay off high interest credit cards or other debt
  • Make home improvements or needed repairs
  • Supplement your income
  • Replenish your cash reserves
  • Protect your portfolio from market down turns
  • Easy Qualification
  • Payoff medical bills
  • Install senior-friendly modifications
  • Replace lost social security or pension income
  • Fund long-term medical care
  • Advance Inheritance to your heirs
  • Or any other purpose you wish

SENIOR LENDING
A Leading HECM Reverse Mortgage Company

Reverse Mortgage Company

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...

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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….

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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…

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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...

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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...

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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?
Your Retirement Plan
Mortgage Free Retirement Living

What Our Clients Say About Us


  • Monthly income…
    “What made a 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.”

    Alvin & Eileen C.


  • Flexible payments…
    “We had quite a large mortgage payment and when one of us passes, the other one could not afford the payment with the loss of income. The HECM completely relieved our stress. The flexible payment option is perfect for us because while we are both still alive we want to continue to pay on our terms, but when one of us passes we have no fear of losing the house, because the HECM has no required payments. We really can’t understand why everyone who’s over 62 doesn’t do this.”

    Miguel & Gabriela P.


  • 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.


  • 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. Anytime 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! 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.

 

Frequently Asked Questions About HECM Reverse Mortgages

Find Out How Easy It Is To Qualify
For A HECM Reverse Mortgage.


Your Personal HECM Advisor is there to Quickly Provide Answers To Your Questions While Working
At Your Pace. They Are With You From Initial Consultation To Closing And Any Point In Between.

Call Now And Start Living The Retirement You Deserve

800-822-1190

Qualify In 3 easy steps