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If you are looking for a second mortgage without monthly payments and are over the age of 62, a reverse mortgage may be a perfect fit. A reverse mortgage is a loan base on the value of a home that requires no monthly payment until the owner moves or dies. The loan is paid off when the house is sold after the move or when the estate is settled after a death. Since there is no monthly payment, a reverse mortgage is relatively painless. Income has little to do with qualifying so borrowers who would not meet the criteria for many other loans would still be able to acquire a reverse mortgage. Fill out our short form to contact a reverse mortgage expert.

The benefits of a reverse mortgage are many:

  • No monthly payments for the life of the owner, no matter how long the time period may be even if the value of the house decreases, unless he or she decides to sell, at which point the loan may be repaid through the selling price or through other funds as the borrower chooses.
  • A reverse mortgage credit line provides a guaranteed monthly income which has the potential to increase as the length of the borrowing period increases.
  • The homeowner has a reserve in case of unexpected or irregular expenses.
  • A guaranteed monthly income provides freedom and independence.
  • Money from a reverse mortgage is not considered income and will not need to be counted as such on the borrower’s taxes. Also, it will not interfere with Social Security and Medicare.

A reverse mortgage gets its name from the way it operates. In a regular loan or mortgage, the homeowner makes payments to the lender, but in the reverse mortgage payments are made by the lender to the borrow. This is possible because, unlike a regular loan where income is used to create equity, a reverse mortgage uses the value of your home to create income. In this case, equity is like a nest egg that the home owner has saved. Through a reverse mortgage, the homeowner is able to tap into and use this nest egg without having to sell his or her home.


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  • Poor to Excellent credit borrowers welcome – low rate mortgage loans
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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Reverse mortgages can be setup to give immediate cash or an income on a monthly basis. If you are an elderly homeowner who would like to use your homes value as your nest egg for retirement you can turn it into a source of monthly income… Home equity loanes are available in several different forms that allow you to take out a large sum of cash at once or slowly over a longer period of time. Fixed and variable interest rates are available and you can borrow up to the full value of your home… The formulas underlying compound interest calculators are easy to remember. The computer simply takes care of the heavy lifting for you by repeating a few simple tasks over and over again behind the scenes while you wait a few seconds…
Refinancing house options depend on your credit history and your consistency with loan payments just as your first mortgage did. A good track record can earn you a lower interest rate when you go to refinance… Get a construction loan quote with our free short application. A qualified mortgage broker in your area will contact you with the best possible interest rate for your new loan…

Looking for a mortgage payment calculator? Try our free online tools to estimate your monthly payments on a mortgage or calculate a break even point for a mortgage refinance. Apply to talk to as many as four lenders when you are done…

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