Your Retirement
Your Way

Get Your Free Info Kit

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

a man and child are fishing on a dock at sunset
a white background with a black gradient in the middle

HECM Reverse Mortgage 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 The “Old” reverse mortgage is obsolete – making it impossible to really compare the two.

The HECM can be an amazing retirement tool. The HECM is simply a Credit Line that allows you to access your home’s equity providing you with Tax-Free Cash without requiring any monthly repayment.


a man and woman are looking at each other and smiling

98% Client Satisfaction Rate

Key Benefits of the HECM Reverse Mortgage

  • 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
  • Payoff medical bills
  • Protect your portfolio from market down turns
  • Easy Qualification
  • Retain 100% ownership, same as now
  • 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

Find Out How Easy It Is To Qualify In 3 Easy Steps

Get Your FREE Information Kit

"*" indicates required fields

Step 1 of 3


HECM Reverse Mortgage Scenarios

Scenario #1

Bob and Joyce thought they had a good retirement planned out, but their financial planner showed them that at their current spending, they would run out of money by the age of only 82.

Due to this alarming concern they spoke with a Senior Lending Advisor who showed them that using their homes equity, through a HECM Credit Line, could supplement their income which in turn would prevent premature asset depletion of their retirement portfolio. After reviewing the proven studies in the Journal of Financial Planning, their financial planner concurred and helped them set up a strategy.

All they needed to do was take small draws from a HECM Credit Line to reduce their portfolio withdrawals, which ultimately ensured that their money would extend well past their 99th birthdays!

Scenario #2

Harold & Lena’ s home was valued at $475,000 and they had a $149,000 mortgage outstanding. They qualified for a HECM credit line of $264,525 which paid off their mortgage balance and left them with the difference of $115,525 remaining in their HECM growing credit line. They were relieved that they no longer had to make their $873/month mortgage payment for the rest of their lives. They also had the security of a credit line that’s guaranteed to grow overtime.

Scenario #3

Claire owned her home free and clear. Even with no mortgage payment she had enough income to pay the bills, but not much more. She was living month to month and relying on Social Security income and a small pension. Rather than taking out a traditional mortgage and being burdened with a mortgage payment that she couldn’t afford,Claire decided to keep living month-to-month.

She finally spoke with a Senior Lending advisor who advised her that her home’ s value of $225,000 qualified her for a $121,175 Credit Line. The HECM Credit Line helped Claire feel secure knowing that she never had to make a mortgage payment when she withdrew her money. Claire breathed a sigh of relief because she finally did not have to live month-to­ month anymore. Now she was able to live the retirement she always wanted and remain in her home.

a man and a woman are dancing together in a living room
a white background with a black gradient in the middle

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

Call And See Why We Are The #1 Rated HECM Reverse Mortgage Company In Tampa Bay.

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.

a black background with a diagonal stripe on it a black background with a few lines on it

Call Now And Start Living The Retirement You Deserve (813) 829-1130