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A reverse mortgage allows homeowners aged 62+ to access their home’s equity without making monthly mortgage payments. The loan is repaid when you sell the home, move out, or pass away.
Key Advantages
Why Choose a Reverse?
Here's what sets this loan product apart and who it works best for.
No Monthly Mortgage Payments
You live in your home without making mortgage payments — the loan balance accrues interest over time.
Flexible Access to Equity
Receive funds as a lump sum, monthly payments, or line of credit — typically tax-free (consult your tax advisor).
You Remain on Title
You retain ownership and can stay in the home as long as you meet the loan requirements.
Non-Recourse Loan
You (or your heirs) will never owe more than the home’s value at the time of repayment.
Eligibility
Qualification Requirements
General guidelines for Reverse Mortgage eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Minimum Age | 62 years old |
| Home Equity | Sufficient equity (typically 50%+ of value) |
| Occupancy | Must be your primary residence |
| Counseling | HUD-approved counseling required |
| Property Taxes & Insurance | Must stay current on taxes, insurance, and maintenance |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about Reverse Mortgage loans.
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Ready to explore Reverse Mortgage?
Answer a few quick questions and get a personalized strategy recommendation — including whether Reverse is right for your situation.
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.
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