We know that every family and every financial situation is different. That's why we take the time to listen first, educate second, and never pressure anyone into a decision. Whether you're looking to eliminate monthly mortgage payments, create additional cash flow, or simply explore what's possible, our team is here to guide you every step of the way.
We believe the best conversations happen face to face, which is why our experienced, local loan specialists are happy to meet with you in your home, at our office, or another location that's convenient for you. Prefer to connect virtually? We're just as happy to meet by video.
Most importantly, we don't see ourselves as just mortgage professionals. We see ourselves as educators, problem solvers, and trusted resources for seniors and their families. From your first questions to the day your loan closes and beyond, our team is committed to providing honest guidance, clear communication, and personalized support at every step of the journey.
Want To Learn More ?
Have questions about reverse mortgages or wondering if a HECM could fit into your retirement plans? Our Retirement Resource Blog is designed to provide straightforward answers, helpful insights, and real life examples to help you make informed decisions. Explore our articles and discover the information you need to navigate your retirement journey with confidence.These are the different types of reverse mortgages:
HECM
(Home Equity Conversion Mortgage)
The HECM is the most common type of reverse mortgage and the only one insured by the Federal Housing Administration (FHA). Available to homeowners 62 and older, it allows you to convert a portion of your home's equity into tax free funds while continuing to live in and own your home. Funds can be used to pay off an existing mortgage, supplement retirement income, or provide greater financial flexibility.
Platinum Proprietary Product
The Platinum Reverse Mortgage is a private jumbo reverse mortgage designed for homeowners 55 and older in many states, particularly those with higher-value homes. It offers expanded borrowing potential beyond traditional FHA limits and can provide access to more home equity while allowing you to remain in your home without required monthly mortgage payments.
HECM For Purchase
(Home Equity Conversion Mortgage)
HECM for Purchase allows eligible homeowners 62 and older to buy a new primary residence using a reverse mortgage. By combining the proceeds from the sale of your current home or other available funds with the reverse mortgage, you can purchase your next home with no required monthly mortgage payments, making it a popular option for downsizing, relocating, or moving closer to family while preserving cash flow.
Choice
The Choice Reverse Mortgage is a private reverse mortgage designed for eligible homeowners 55 and older in many states. It offers greater flexibility than a traditional HECM and can be an excellent option for borrowers who don't yet meet the FHA age requirement or are looking for alternative lending solutions. Depending on the program, funds may be available as a lump sum or a line of credit.
- Minimum age: 62+
- FHA-insured reverse mortgage
- No minimum credit score requirement
- Primary residence required
- Eligible property types: Single Family Residence, 2-4 unit (must live in one unit), Condo (must be FHA approved), Manufactured Homes - Built after June 15th, 1976, PUDs, Townhomes, New Construction with COO
- Financial assessment required
- Flexible payment options, including lump sum, monthly payments, or line of credit
- Minimum age: 55+ in many states
- Proprietary (non-FHA) reverse mortgage
- Designed for homeowners who may not yet qualify for a HECM
- No minimum property value requirement
- Primary residence required
- Eligible property types: Single Family Residence, 2-4 unit (must live in one unit), Condo (FHA and FNMA Approved or FNMA warrantable projects under a Limited Review process), PUDs, Townhomes
- Available as either a lump sum or flexible line of credit, depending on the product
- Credit and financial qualification requirements
- Minimum age: 55+ in many states
- Proprietary (non-FHA) jumbo reverse mortgage
- Designed for higher-value homes and expanded borrowing flexibility
- Primary residence required
- Eligible property types: Single Family Residence, 2-4 unit (must live in one unit), Condominiums (FHA-approved projects, projects eligible for FHA Single Unit Approval (SUA), FNMA warrantable projects under a Limited Review process, detached condominiums and site condominiums), Modular Homes, PUDs, Townhomes, New Construction with COO
- May offer larger principal limits than a traditional HECM
- Credit and financial qualification requirements apply
Documents Needed
- Verification Documents: Drivers License, Government Issued ID, Social Security Card
- Mortgage Statement, if applicable
- HOA Statement, if applicable
- Property Tax Bill
- Insurance Binder or Homeowners Insurance Statement and contact information
575 West Chandler Boulevard
Suite 225, Office 15
Chandler, AZ 85225
