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Your equity. Your home.

A reverse mortgage lets you access your home equity without a required monthly mortgage payment — and you keep the title to your home.

Tap the programs below to see your options — takes about 30 seconds ↓

HECM path
The FHA-insured reverse mortgage for homeowners 62+
A Home Equity Conversion Mortgage lets you convert part of your equity to cash, a line of credit, or monthly payments — with no required monthly principal and interest payment.
    Question 1 of 8Secure form
    What is your home worth?
    Your best estimate is fine — we verify it later with an appraisal.
    Drag the slider to set your home’s value
    $100,000$3,000,000+
    • No Social Security number required
    • No credit pull, and no effect on your score
    • No cost and no obligation

    A licensed loan officer reviews every answer personally.

    How much do you still owe on it?
    Enter 0 if the home is paid off. This is what decides how much you can access.
    Drag the slider, or tap the button below
    $0 
    When were you born?
    Reverse programs start at different ages, so this decides which ones apply.
    Are you married?
    How do you use this home?
    Reverse mortgages are only available on a primary residence.
    What kind of property is it?
    Condominiums have extra approval requirements on some programs.
    Roughly how much would you like to access?
    This helps us shape the proposal. It is not a commitment.
    What is the property address?
    We use this to check program availability in your area.
    Where should we send your proposal?
    A licensed loan officer reviews every one personally.

    By submitting, you agree that Adaptive Mortgage Solutions and its affiliates may call, text, or email you about your inquiry, which may involve automated means or prerecorded/artificial voices. Consent is not a condition of purchase. You may unsubscribe at any time.

    Your proposal is on its way

    A loan officer will compare your numbers against both the HECM and HomeSafe programs and reach out shortly.

    Or call now: 949-828-5359

    Facts about reverse mortgages

    Three things worth knowing before you decide.

    The bank does not take your home

    The title stays in your name. It is a loan secured by the property, the same as any mortgage.

    No monthly mortgage payment

    You remain responsible for property taxes, insurance, any HOA dues, and upkeep.

    Your heirs will not inherit a debt

    These are non-recourse loans. Neither you nor your heirs ever owe more than the home is worth when it is repaid.

    Two programs, compared side by side

    As a broker we run your numbers through both and tell you which one wins — or if neither does.

    HECM
    FHA-insured · age 62+
    • The federally insured reverse mortgage, backed by FHA
    • 2026 lending limit of $1,249,125
    • Cash, monthly payments, a line of credit, or a combination
    • HUD-approved counseling required before you apply
    HomeSafe
    Proprietary · age 55+*
    • A private program, not FHA-insured
    • Loan amounts up to $4 million on certain products
    • No FHA mortgage insurance premium
    • Often the better fit on higher-value homes

    *HomeSafe minimum age is 55 in most states; 60 in Massachusetts, New York and Washington, and 62 in North Carolina and Texas. Loans up to $4 million are available on certain HomeSafe products. HomeSafe is a registered trademark of Finance of America Reverse LLC.

    Is it right for you?

    Run your numbers and see what your equity could provide.

    Call 949-828-5359