Reverse Mortgage Options

HECM (FHA-Insured):

For homes up to county limits (e.g., $1,209,750 for 2025). If your home is worth more than $1,209,750 you can still use HECM and the line of credit option but only up to the $1,209, 750 amount.

Proprietary or “Jumbo” Reverse Mortgages:

• Available for homeowners 55+
• For higher-value properties (up to $4 million or more)
• No mortgage insurance premiums

Fixed vs. Adjustable Rate:

Each offers unique benefits depending on financial goals.

Line of Credit Feature:

Unused credit grows over time, increasing available funds in the future.