Thank you for reading our letter
Your home can do more for you. Which way caught your eye?
Pick the option from the letter that sounds most like you. A few easy questions follow, about two minutes, and nothing you answer here commits you to anything.
What would help you most right now?
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For homeowners 62 and older. Every path here is built around life in retirement.
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Plain answers, no pressure. A real person explains your options, and you decide in your own time.
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Bring family along. Many people like a son, daughter or advisor to join the call. That's welcome.
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What would the money help you do?
Pick the one that matters most. There's no wrong answer.
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About how much is your mortgage payment each month?
A rough guess is fine. This is the amount you could stop paying.
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Step 2 of 8
What's weighing on you most right now?
That's all right. Tell us what's on your mind and we'll figure out the rest together.
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How old is the youngest person on the home's title?
Age decides which programs are open to you, so it helps us point you the right way.
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What do you think your home is worth today?
Your best guess is perfect. We'll look at real numbers together later.
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How much do you still owe on the house?
Include any home equity loan or line of credit, if you have one.
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How do you feel about reverse mortgages?
Be honest. A lot of people have heard mixed things, and that's a fair place to start.
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That's a healthy instinct
Three worries we hear most, answered plainly
- "Will the bank take my house?"
- No. You keep the title and stay the owner. You keep living there as long as you pay property taxes and insurance and look after the home.
- "Will my kids be stuck with a bill?"
- With a government-insured reverse mortgage, your family never owes more than the home is worth. They can keep the house by paying off the loan, or sell it and keep what's left.
- "Is this a pressure sale?"
- Not from us. Every borrower meets with an independent counselor before anything is signed, and you can take all the time you need.
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When would you like to make a change?
This only helps us know how to pace things for you.
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Where should we send your options?
We'll email a short guide for the path you chose, and a local specialist will call once to answer your questions. No obligation, ever.
Got it, your request is in
Your path: cash from your home, with no monthly payment
A reverse mortgage can turn part of your home's value into money you can use however you like, while you keep living there and keep the title in your name.
What happens next
Check your email today
Your guide explains how the money can be paid out: a lump sum, a monthly amount, or a line of credit you draw on only when you need it.
A friendly call at your chosen time
A specialist gives you a rough estimate of how much you could access, based on your age and your home's value.
Decide in your own time
If you'd like to go ahead, you'll talk with an independent counselor first. Family is welcome on every call.
Good to know: you stay responsible for property taxes, homeowners insurance and upkeep. We'll walk through all of it so there are no surprises.
Got it, your request is in
Your path: no more monthly mortgage payment
A reverse mortgage can pay off the loan you have now. You stay in your home, and the money that went to your lender each month stays in your pocket.
What happens next
Check your email today
Your guide shows how paying off a mortgage this way works, step by step, in plain language.
A friendly call at your chosen time
Have a recent mortgage statement nearby. We'll check whether your balance can be fully covered and what you might have left over.
Decide in your own time
An independent counselor reviews everything with you before you sign. Family is welcome on every call.
Good to know: property taxes, homeowners insurance and upkeep stay with you. We'll show you what your monthly costs look like once the mortgage payment is gone.
Got it, your request is in
Your path: a home that fits the life you live now
Fewer stairs, less to clean, less yard to keep up. We help you sell your current home and buy the right one, and a reverse mortgage for purchase can mean no monthly mortgage payment on the new place.
What happens next
Check your email today
Your guide covers how selling and buying can happen in one plan, so you're never stuck between two homes.
A friendly call at your chosen time
Tell us what your next home needs: one level, a smaller yard, closer to family. We'll talk about what your current home could sell for.
Move at your pace
Nothing is listed or bought until you're ready. Family is welcome on every call and every showing.
Good to know: you'll put part of the sale money toward the new home. We'll show you how much, so you can see what stays in your pocket.
Got it, your request is in
Let's find the right fit together
You don't need to know the answer yet. Most people we talk with start exactly where you are, and leave the first call with a clear picture.
What happens next
Check your email today
A short side-by-side of all three paths: cash from your equity, no mortgage payment, or a home that fits you better.
A friendly call at your chosen time
We listen first. Then we explain which options make sense for you, and which ones don't.
Decide in your own time
There's no deadline and no pressure. Family is welcome on every call.