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Elevate Mortgage

Reverse Mortgage · Equity access at 62+

Reverse Mortgage: Access your equity. No monthly mortgage payment.

A reverse mortgage turns the equity in your primary residence into cash — with no monthly mortgage payment and no credit score restriction. The loan is repaid when you sell or leave the home; the remaining equity stays yours.

  • No Monthly Mortgage Payment — Live in your home without a mortgage payment — you stay on title and stay in your home. see how it works →
  • No Credit Score Restriction — The equity does the qualifying.
  • Lump Sum, Line, or Monthly Draws — Take the funds the way that fits your retirement — typically tax-free (consult your tax advisor).
  • Non-Recourse Loan — You (or your heirs) will never owe more than the home’s value at the time of repayment.

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

Is this for your primary residence?

Reverse mortgages are for owner-occupied primary residences only

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Youngest borrower
62+
Credit score
No minimum
Monthly mortgage payment
None
Loan structure
Non-recourse

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Run the Numbers

Run your Reverse numbers.

Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.

Reverse Mortgage (HECM) Estimator

Homeowners 62+: estimate the cash a reverse mortgage could unlock — with no monthly mortgage payment.

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Enter the youngest borrower’s age to see your estimate.

Opens the 60-second options check with your numbers filled in — no hard credit pull.

Conservative estimate based on standard HECM factors for your age, net of estimated program costs and any mortgage payoff. Borrowers must keep paying property taxes, insurance, and upkeep.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Know Before You Apply

Can we fund your deal? Check before you apply.

The Reverse Mortgage guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

Reverse Mortgage requirements

What you need

  • Minimum Age: 62 (youngest borrower on title)
  • Home Equity: Existing balance under about 50% of value
  • Credit: No minimum score
  • Occupancy: Primary residence only
  • Counseling: HUD-approved counseling required
  • Ongoing Obligations: Stay current on taxes, insurance, and maintenance
  • Where we lend: Available for primary residences in 30 states — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “Immediate assist with loan process, willing to help to close out the deal ASAP”
    Cuong L · Philadelphia, PA · May 2026Verified client review

  • 5 out of 5 stars

    “Anthony made all the difference. I say this because I originally spoke to someone else at West Capital who unfortunately didn't quite have the experience to get this deal done. Best HELOC options in the business.”
    Damian F · Hollywood, FL · Apr 2026Verified client review

  • 5 out of 5 stars

    “Start to finish in just 4 business days — honestly unreal. The entire process was smooth, fast, and stress-free. Anthony Huynh went above and beyond every step of the way and made everything feel easy. Couldn't have asked for better service. Highly recommend!”
    Kevin R · Paradise Valley, AZ · Apr 2026Verified client review

FAQ

Frequently Asked Questions

Common questions about the Reverse Mortgage.

What is a reverse mortgage and how does it work?

A reverse mortgage (specifically a HECM — Home Equity Conversion Mortgage) allows homeowners 62+ to borrow against their home’s equity without monthly mortgage payments. Interest accrues on the outstanding balance, and the loan is repaid when you sell the home, move out permanently, or pass away.

Can I lose my home with a reverse mortgage?

You can remain in your home as long as you continue to meet the loan requirements: living in the home as your primary residence, paying property taxes and homeowners insurance, and maintaining the property. Failure to meet these obligations can trigger default.

Will my heirs inherit debt from a reverse mortgage?

Reverse mortgages are non-recourse loans. Your heirs will never owe more than the home’s appraised value at the time of repayment. If the loan balance exceeds the home value, FHA insurance covers the difference — not your estate.

How can I receive the funds from a reverse mortgage?

You can receive funds in several ways: a lump sum, monthly payments (tenure or term), a line of credit, or a combination of these. The line of credit option grows over time, increasing your available funds.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

Ready to explore Reverse Mortgage?

Answer a few quick questions and get a personalized strategy recommendation — including whether Reverse is right for your situation. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

This material is not from HUD or FHA and has not been approved by HUD or any government agency.

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.