learn more about the

Reverse Mortgage Process

You’ll always know what’s happening, and we’ll walk with you every step of the way.

Reverse mortgage process step — complete HUD-approved HECM counseling

Personal Consultation

Meet with a licensed V.I.P. reverse specialist to review your goals, home value, and eligibility options.

Reverse mortgage process — consult with an experienced HECM loan specialist

Education & Counseling

Complete a short HUD-approved counseling session to ensure you understand the details and benefits.

Reverse mortgage process step — submit your HECM loan application

Application & Appraisal

We’ll help you complete your loan application and arrange for a professional home appraisal.

Reverse mortgage process step — home appraisal and property evaluation

Processing & Underwriting

Your file is reviewed for FHA or proprietary program eligibility and verified for accuracy.

Reverse mortgage process step — loan underwriting review and approval

Closing & Funding

Once approved, you’ll choose how to receive your funds: lump sum, monthly payments, or a growing line of credit.

Reverse mortgage process step — closing and funding your HECM loan

Ongoing Peace of Mind

You remain the homeowner. No monthly mortgage payments are required as long as you live in and maintain your home.

Find a Loan Officer to discuss your options