You've spent decades building equity in this home. Lower Reverse Mortgage helps you use it — as tax-free cash, monthly income, or a growing line of credit — with no required monthly mortgage payment, ever. Honest guidance. Zero pressure.
62+ for FHA-insured HECM · 55+ for Jumbo proprietary programs
"It felt like a kitchen-table conversation, not a sales pitch."
— Maggie & Tom, age 71 and 73
Programs for ages 55+
Keep your home & title
FHA-insured HECM loans
No monthly mortgage payments of principal & interest required
Backed by the same team behind Lower.com — 50,000+ five-star reviews and counting.
A reverse mortgage can be a strong option for the right homeowner 55 or older. It's not the right fit for everyone. Here's an honest snapshot before you spend any more time on this page.
Not sure where you land? That's exactly what the free 15-minute call is for. Adriel will tell you plainly if this isn't the right move — including walking away from the conversation.
2 minutes, no SSN required.
Free 15-minute discovery call.
Personalized to your home and goals.
Required by law (~$125, often financeable).
We handle the heavy lifting.
Funds your way: lump sum, monthly, or line of credit.
Most borrowers tell us the process was far simpler than they expected. We walk with you every step of the way.
Most borrowers close in 30–45 days
Move the sliders below. No Social Security number. No email address. No credit check.
What would you like to estimate?
Your details
Determines how much equity you can access
Age 62+: all program types available including government-insured.
Your best estimate — a formal appraisal confirms the final number
Enter $0 if you own your home free and clear
Your estimate
Estimated equity available to you
Government-insured · Age 68 · 34.3% factor
Every situation is different. Your home value, age, existing mortgage, and goals all shape which option is right for you. We work with a carefully selected group of the country's leading reverse mortgage investors — so we find the right fit for your situation, not theirs.
You already own your home and want to tap into your equity.
The most common reverse mortgage, backed by the federal government.
For higher-value homes that exceed FHA limits.
Access equity without touching your low-rate first loan.
Keep your low-rate first mortgage and still access your equity.
A flexible line of credit with interest-only payment options.
The HECM for Purchase lets you put a portion down, finance the rest with a reverse mortgage, and skip principal & interest payments for life — as long as you live there.
Real example
$700k home · 50% down · $0 monthly principal & interest payments
Not all products available in all states. Loan amounts and eligibility subject to property value, age, and other factors. Contact us for details.
There's no single "right" use. These are the reasons we hear most often from borrowers 62 and older.
Roof, HVAC, accessibility improvements — invest back into the home you love.
Pay for help that lets you age in place comfortably and safely.
Eliminate your monthly principal & interest payment for good.
Predictable monthly deposits to ease pressure on Social Security.
Support a grandchild's tuition, a down payment, or simply share what you've built.
A standby line of credit you only tap if and when you need it.
A reverse mortgage genuinely helps some people and genuinely is not right for others. Here is the plain-English picture so you can decide for yourself.
How a HECM works in three plain ideas
Your name stays on the deed. You own your home — same as before.
Interest accrues instead of being paid monthly, so your remaining equity decreases as the balance grows.
On a HECM, you or your heirs can never owe more than the home is worth when the loan is repaid.
Still not sure?
That's exactly what the free 15-minute call is for. No pressure, no commitment, no obligation to move forward.
The truth
You stay. You own. You decide.
Reverse mortgages have a reputation. Most of it isn't true.
False. You keep the title and full ownership. The lender places a lien on the home — exactly like a traditional mortgage — but you remain on the deed. The loan only comes due when the last borrower permanently leaves the home.
False. A reverse mortgage is a non-recourse loan. Your heirs can never owe more than the home is worth at the time of repayment — even if the loan balance has grown beyond the home's value. FHA insurance covers the difference.
False. You cannot be removed as long as you live in the home as your primary residence and continue to pay property taxes, homeowners insurance, and HOA fees. These are the same obligations you have today.
False. Financial planners now recommend reverse mortgages as a proactive retirement planning tool — not a desperation move. A standby line of credit that grows 6–7% per year is one of the most powerful retirement assets available.
False. Reverse mortgage proceeds are loan funds, not income — so they do not affect Social Security or Medicare benefits. They may affect Medicaid or SSI eligibility, which we'll discuss with you openly.
Often false. Any equity remaining after the loan is repaid goes directly to your heirs. Many borrowers who use a line of credit sparingly leave significant equity behind. We'll show you projections at no obligation.
Reverse Mortgage Specialist · Regional Vice President, Lower
"I have been in reverse mortgages for over a decade. My job is to tell you the truth — including if this is not the right move for you."
Two recent California borrowers, in their own words. Cautious people. Real concerns.
"I sat on this for three years because of what I'd heard. The conversation I finally had was nothing like what I'd built up in my head. He told me up front what wouldn't work for me before getting to what would."
"After my husband passed, I wanted to stay in our home. Adriel listened — really listened — and built a plan that gave me peace of mind. No payments, more breathing room each month, and the kids were part of every conversation."
Fill out the short form below and Adriel will reach out within one business day. Or skip ahead and grab a time directly on his calendar. Either way — no Social Security number, no credit check, no pressure.
No SSN required · No credit pull · No commitment
This program may be right for you if:
Or skip the form — schedule a free 15-minute call with Adriel:
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