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Keep your first mortgage. Access what's behind it.

Two programs that let you tap your home equity without touching your existing loan. Move the sliders to see your options. No SSN, no credit check, no commitment.

Which program would you like to explore?

A proprietary second lien reverse mortgage that sits behind your existing first mortgage. You keep your current rate and payment on the first — and access additional equity with no monthly payments on the second lien. Available through the broker channel in select states.

Your details

Age of youngest borrower68

Available from age 55 in most states

Age 62+: eligible for both programs in all available states.

Estimated home value$650,000

Your best estimate — confirmed at appraisal or AVM

Existing first mortgage balance$120,000

The balance on your current first mortgage — stays in place

Your estimate

Second Lien Reverse · Age 55+ · $50K–$1M · No monthly payments

Estimated additional equity available to you

$166,005 – $167,705

Loan amount ~$172,500 · Flat origination $3,995 · Rate ~8.99%–9.49% fixed

$0 monthly payments on this lienFirst mortgage stays intact

Your existing first mortgage is untouched. This second lien accrues interest but requires no monthly payments — balance repaid when you sell, move, or the loan matures.

All figures are estimates based on current program guidelines as of 2026. These products are available exclusively through the broker channel and are not available direct from investors to consumers. Eligibility, rates, fees, and state availability are subject to change. Second Lien Reverse: available through select investors in AZ, CA, CO, CT, FL, IL, IN, MI, MT, NV, OH, OR, SC, UT (age 55+), WA (age 60+), TX (age 62+). HELOC for Seniors: available in select states, age 62+, minimum FICO 660, CLTV max 75%, income verification and monthly payments required. Not all products available in all states. This tool does not collect or store any personal information.

Ready to explore which option fits your situation? Adriel will run your actual numbers at no cost and with no obligation.

Get started

Get Your Free Reverse Mortgage Estimate — No SSN, No Credit Check

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

Craftsman home — Lower Reverse Mortgage free estimate

This program may be right for you if:

  • I own my home (or have significant equity)
  • I am 55 or older (62+ for FHA-insured programs)
  • I want to stay in my home

Or skip the form — schedule a free 15-minute call with Adriel:

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