learn more about the

Reverse Mortgage Process

You’ll always know what’s happening, and we’ll walk with you every step of the way.

Step 2 — complete HUD-approved reverse mortgage counseling session

Personal Consultation

Meet with a licensed V.I.P. reverse specialist to review your goals, home value, and eligibility options.

Step 1 — personal consultation with a VIP Reverse HECM loan specialist

Education & Counseling

Complete a short HUD-approved counseling session to ensure you understand the details and benefits.

Step 3 — submit your HECM reverse mortgage loan application

Application & Appraisal

We’ll help you complete your loan application and arrange for a professional home appraisal.

Step 4 — FHA home appraisal and property evaluation for reverse mortgage

Processing & Underwriting

Your file is reviewed for FHA or proprietary program eligibility and verified for accuracy.

Step 5 — reverse mortgage loan underwriting review and approval

Closing & Funding

Once approved, you’ll choose how to receive your funds: lump sum, monthly payments, or a growing line of credit.

Step 6 — closing and funding your HECM reverse mortgage loan

Ongoing Peace of Mind

You remain the homeowner. No monthly mortgage payments are required as long as you live in and maintain your home.

Find a Loan Officer to discuss your options