Discover how a reverse mortgage can help you live comfortably in retirement — with no monthly mortgage payments required, and the freedom to stay in your home.
At Housing Wealth Network, we specialize in reverse mortgage solutions that give you access to your home's equity — on your terms. Whether you need to supplement retirement income, cover healthcare costs, or simply enjoy a more comfortable lifestyle, we're here to guide every step.
We offer a full range of home equity solutions tailored to your retirement goals and financial needs.
The most popular federally insured option — a Home Equity Conversion Mortgage backed by FHA, giving you maximum security and flexibility in how you receive your funds.
Learn MoreDownsize or relocate to your dream retirement home using a reverse mortgage — without the burden of monthly payments. Buy the home you want and preserve your savings.
Learn MoreOwn a high-value property? Our jumbo reverse mortgage products allow you to access equity on homes valued up to $10 million — beyond FHA lending limits.
Learn MoreWork with our certified financial specialists to incorporate your home equity into a holistic retirement strategy — integrating Social Security, IRAs, and investment portfolios.
Learn MoreUse your home equity to fund in-home care, assisted living, or unexpected medical expenses — protecting your retirement portfolio while maintaining quality of life.
Learn MoreProtect your family's inheritance while enjoying your retirement. Our specialists help structure your reverse mortgage to preserve maximum estate value for your heirs.
Learn MoreFrom your first call to receiving funds, our streamlined process typically takes 30–45 days.
Speak with a licensed specialist who reviews your situation, home value, and retirement goals — with zero obligation or pressure.
We handle the paperwork, order your home appraisal, and guide you through mandatory HUD-approved counseling — all at no upfront cost.
Our underwriters work efficiently to approve your loan. We coordinate closing at a time and location convenient for you — often at your own home.
Choose how you receive your equity — lump sum, monthly tenure payments, a flexible line of credit, or any combination that fits your life.
Get an instant estimate of how much equity you may be able to access. This is an estimate — contact us for a precise analysis.
A reverse mortgage from Housing Wealth Network comes with protections and benefits you can count on.
You'll never owe more than your home's value at repayment time. Your heirs are protected from any shortfall — guaranteed by FHA insurance.
Unlike traditional mortgages, you make zero monthly payments on your reverse mortgage. The loan is repaid when you sell, move out, or the last borrower passes away.
Retain full ownership and the right to live in your home for life — as long as you maintain the property, pay taxes, and keep insurance current.
Reverse mortgage proceeds are generally not considered taxable income and don't affect Social Security or Medicare benefits. Consult your tax advisor for specifics.
Your unused line of credit grows over time at the same rate as your interest accrues — giving you access to more funds the longer you wait.
Your personal loan advisor is available throughout the process and beyond — providing ongoing guidance, annual reviews, and answering questions for the life of your loan.
Don't take our word for it — hear from homeowners who've transformed their retirement with Housing Wealth Network.
I was skeptical at first, but Housing Wealth Network walked me through every detail. Two months later, I paid off my existing mortgage and have no payments. It changed everything about how I feel about retirement.
The monthly payments from my reverse mortgage allow me to pay for my husband's in-home care without draining our savings. The team made a complex process feel completely manageable.
My financial planner actually recommended I look into a reverse mortgage to delay Social Security. The team here knew exactly how to integrate it into my retirement plan. Brilliant strategy.
We believe in complete transparency. If you don't see your question here, our specialists are always happy to help.
Licensed in all 50 states. HUD-Approved counseling required. Federally regulated by FHA.
A reverse mortgage is a loan for homeowners 62 and older that converts part of your home's equity into cash. Unlike a traditional mortgage, you receive money from the lender and make no monthly payments. The loan balance grows over time and is repaid when you sell the home, move out permanently, or the last borrower passes away. Your heirs can repay the loan and keep the home, or sell the home and keep any remaining equity.
Yes, absolutely. You retain full title and ownership of your home throughout the entire loan period. The lender never owns your home. You simply need to continue living there as your primary residence, maintain the property in good condition, pay your property taxes, and keep homeowners insurance current.
Your heirs have several options: they can sell the home and use the proceeds to repay the loan (keeping any remaining equity), take out a traditional mortgage to pay off the reverse mortgage and keep the home, or simply walk away if the balance exceeds the home's value — they are never personally liable. Because it's a non-recourse loan, neither you nor your heirs will ever owe more than the home is worth.
The amount you can receive depends on several factors: your age (older borrowers receive more), the appraised value of your home, current interest rates, and the FHA lending limit. As of 2024, the FHA HECM lending limit is $1,149,825. Typically, borrowers can access between 40–75% of their home's value. Use our calculator for an estimate, or speak with a specialist for a precise figure.
Generally, no. Reverse mortgage proceeds are considered loan advances, not income, so they are not subject to federal or state income tax. They also typically do not affect your Social Security or Medicare benefits. However, means-tested programs like Medicaid and SSI may be affected if proceeds remain in your account at month-end. Always consult your tax advisor for your specific situation.
To qualify for a HECM reverse mortgage, you must: be at least 62 years old, own and occupy the home as your primary residence, have sufficient equity in the home (typically 50%+), be current on property taxes, homeowners insurance, and any HOA fees, and complete a HUD-approved counseling session. The home must be a single-family home, 2-4 unit property (one unit occupied by borrower), FHA-approved condo, or manufactured home meeting FHA requirements.
Yes — and this is one of the most popular uses. If you have an existing mortgage, the reverse mortgage proceeds will first pay off that balance. Eliminating your monthly mortgage payment can significantly improve your monthly cash flow. Many borrowers use this strategy to reduce financial stress in retirement, freeing up hundreds or thousands of dollars each month.