Your home worked hard.
Now let it work for you.
If you're 62 or older, an FHA-insured HECM reverse mortgage lets you turn a portion of your California home equity into tax-free cash — with no required monthly mortgage payments for as long as you live in the home.
- Stay in your home. You keep the title.
- No monthly mortgage payments*
- Tax-free proceeds (consult your CPA)
- FHA-insured HECM program
- Lump sum, line of credit, or monthly
- Independent HUD counseling included
*You must continue to pay property taxes, homeowners insurance, and maintain the home.
Retire on your terms.
The Home Equity Conversion Mortgage (HECM) is the only reverse mortgage program insured by the U.S. Federal Government — with built-in safeguards designed for senior homeowners.
Access your equity as a lump sum, monthly payments, or a line of credit that grows over time.
You keep the title. Live in your home as long as you meet the loan obligations.
Non-recourse loan — you or your heirs will never owe more than the home is worth.
The HECM program is insured by the Federal Housing Administration for your protection.
A careful, transparent path.
- 1Talk with an Advisor
A no-pressure conversation about your goals and options.
- 2HUD Counseling
An independent HUD-approved counselor confirms it's right for you.
- 3Application & Appraisal
We handle the paperwork and order your home appraisal.
- 4Close & Access Funds
Choose how you receive your funds and enjoy the freedom.
Do you qualify?
The HECM program is designed to be accessible. There are no income or credit-score cutoffs the way there are with a traditional mortgage — the focus is on age, equity, and your ability to maintain the home.
Get My Free Eligibility Check| Age | 62 or older (all borrowers on title) |
| Home type | Primary residence — SFR, 2–4 unit, condo, PUD |
| Equity | Meaningful equity — typically 50%+ |
| Existing mortgage | Paid off at closing from proceeds |
| Financial assessment | Ability to pay taxes, insurance, upkeep |
| Counseling | Independent HUD-approved session required |
The home is yours. The loan is repaid from the sale when you leave the home.
Neither you nor your heirs will owe more than the home's value at repayment.
An independent HUD counselor ensures you understand every option before you sign.
Straight answers.
Will the bank own my home?+
No. You keep the title. A reverse mortgage is a loan secured by your home, similar to a traditional mortgage — the difference is that repayment is deferred until you permanently move out, sell the home, or pass away.
What if the loan balance grows larger than my home's value?+
A HECM is a non-recourse loan. You and your heirs will never owe more than the home is worth at the time of repayment — the FHA insurance covers the rest.
Can I lose my home?+
As long as you continue to pay your property taxes and homeowners insurance, maintain the home, and it remains your primary residence, you can live in your home.
How do I receive the money?+
You can choose a lump sum, monthly payments (tenure or term), a growing line of credit, or a combination — whichever best fits your goals.
What happens to my heirs?+
Your heirs can repay the loan and keep the home, sell the home and keep any remaining equity, or sign it over to the lender if the balance exceeds the value — with no personal liability.
Reverse mortgages are complex loans. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the property. Failure to meet these obligations may result in default and possible foreclosure. Consult a HUD-approved counselor.