No monthly mortgage payment. You keep your home and your title. A reverse mortgage turns the equity you’ve built into cash you can actually use — explained in plain English, by people who pick up the phone.
For thirty years you paid the house. A reverse mortgage flips it: the house pays you, and the loan is settled later — when you sell, move out, or pass away.
Your age, your home’s value, and current rates determine how much equity you can access. We’ll run it for free — no cost, no obligation.
An independent, HUD-approved counselor walks you through it before you commit. It’s required — and we think it’s one of the best things about the program.
Lump sum, monthly payments, a growing line of credit, or a combination. Any existing mortgage is paid off at closing — and your monthly payment goes away.
The FHA-insured standard for homeowners 62+. Government backing means your funds are guaranteed even if the lender disappears, and you can never owe more than the home is worth. Home values up to the 2026 FHA limit of $1,249,125 count toward your proceeds.
Set it up now, draw on it only if you need it — and here’s the part that surprises everyone: the unused portion grows every month, guaranteed, regardless of what your home’s value does. Unlike a HELOC, it can’t be frozen or cut. Many financial planners call it a “standby” retirement asset.
For homes worth more than the FHA limit, proprietary reverse mortgages can access equity well into the millions — and some programs start at age 55. Not FHA-insured, so the terms differ; we’ll lay both side by side.
Downsizing, moving closer to the grandkids, or finally getting the single-story? A reverse mortgage can buy your next home — you bring a larger down payment, and never make a monthly mortgage payment on it.
We’d rather you hear this from us than find out later. A reverse mortgage is a real loan with real costs, and it isn’t right for everyone.
It depends on three things: the youngest borrower’s age, your home’s appraised value (up to the FHA limit), and current interest rates. Older borrowers and more equity mean higher proceeds. A free estimate takes about ten minutes.
Reverse mortgage proceeds are loan advances, not income, so they’re generally not taxed and generally don’t affect Social Security or Medicare. Needs-based programs like Medicaid can be affected — please confirm with your tax advisor.
HUD requires every applicant to meet with an independent, HUD-approved counselor before applying. It’s a consumer protection — an unbiased third party makes sure you understand the costs, obligations, and alternatives. Sessions typically take about an hour.
The loan becomes due when the last borrower (or eligible non-borrowing spouse) permanently leaves the home. Heirs typically have several months to decide: keep the home by paying the balance, sell it and keep any remaining equity, or hand it back with nothing further owed.
SureFirst Lending is a licensed mortgage broker. Reverse mortgages are made through our lender partner, Finance of America Reverse LLC (NMLS #2285), a HUD-approved lender and one of the largest names in reverse lending. You get a national lender’s programs with a local person who answers the phone.
Share a few details and a licensed loan officer will run your estimate and call you back — a real number and an honest opinion, nothing more. No cost to look.
Prefer to talk? (888) 420-9295
This is not a commitment to lend and not an offer from HUD, FHA, or any government agency. SureFirst Lending LLC (NMLS #2820231) is a licensed mortgage broker, not a direct lender. Reverse mortgage loans are made through Finance of America Reverse LLC (NMLS #2285), a HUD-approved lender. Reverse mortgages have costs and risks, including fees, closing costs, and reduced home equity over time. Borrowers must be 62 or older (proprietary programs may differ), occupy the home as a primary residence, and remain current on property taxes, homeowners insurance, and maintenance. Independent HUD-approved counseling is required before closing. Terms subject to lender approval and may vary by state. Consult a tax advisor regarding your situation. Equal Housing Opportunity.
Regulated by the Colorado Department of Regulatory Agencies (DORA).
TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.
