Unlock the power of
High-Value Home Equity
Private reverse mortgage programs designed for homeowners 55+ with significant housing wealth.
For many homeowners, their home represents one of their most valuable financial assets. A proprietary reverse mortgage is designed to help homeowners 55 and older strategically access that equity and put it to work as part of a broader retirement plan, without giving up ownership of the home. Unlike traditional government-backed reverse mortgages, proprietary reverse mortgage programs are private lender solutions created for homeowners whose property values and available equity exceed the limits of standard reverse mortgage options. These programs offer expanded borrowing power, greater flexibility, and more options for homeowners with higher-value homes.
What Is a Proprietary Reverse Mortgage?
A proprietary reverse mortgage is a private reverse mortgage program offered by a lender rather than insured by the federal government. These programs are specifically designed for homeowners with higher-value properties who may need more flexibility and access to larger loan amounts than a traditional reverse mortgage can provide.
Key Characteristics:
- Private lender program
- Designed for higher-value homes
- Larger potential loan amounts
- Expanded flexibility for homeowners with substantial equity
why homeowners choose a
Proprietary Reverse Mortgage
Proprietary reverse mortgage programs can provide greater flexibility for homeowners looking to use housing wealth more strategically in retirement. Because these programs are privately structured, they can often provide more customizable solutions than traditional reverse mortgage products, especially for borrowers with significant equity and complex financial planning goals.
Access to larger loan amounts
Designed for higher value properties
Greater flexibility in how funds may be used
Additional retirement planning options
General Program Guidelines
While guidelines vary by lender and program, proprietary reverse mortgages are generally designed for homeowners who meet the following criteria:
- Minimum age typically 55+
- Some programs may require minimum property values
- Home values up to approximately $9,000,000
- Maximum loan amounts typically up to $4,000,000
Strategic Use of Housing Wealth
Housing wealth is often one of the largest and least coordinated assets in a retirement plan.
A proprietary reverse mortgage can help turn home equity into a more intentional financial tool, one that can be used to improve liquidity, reduce pressure on investment portfolios, and create more flexibility across retirement. When structured properly, housing wealth can become a powerful asset for supporting long-term financial security while allowing homeowners to remain in the home they value.
Common Uses for a Proprietary Reverse Mortgage
For many homeowners, the goal is not simply to access cash, it is to improve flexibility, preserve other assets, and create more control over retirement income. Homeowners use proprietary reverse mortgage solutions in a variety of ways as part of a broader retirement and wealth strategy.
Maintain liquidity without selling investments
Increase retirement cash flow
Purchase another property
Eliminate existing mortgage payments
Establish a standby line of credit
Support long-term retirement planning
Expanded Lending Flexibility
Because proprietary reverse mortgage programs are private lender solutions, they often provide greater flexibility than traditional reverse mortgage programs. This added flexibility can make proprietary reverse mortgage solutions especially valuable for borrowers seeking more customized retirement lending strategies.These programs can be structured to serve a broader range of homeowners, property values, and financial scenarios.
Possible Advantages:
- No FHA Mortgage Insurance Premium (MIP)
- No 12-month distribution restriction like the HECM program
- In some cases, higher loan-to-value ratios
- Potentially greater available loan proceeds
The Right Reverse Mortgage Makes All the Difference
There is no one-size-fits-all reverse mortgage solution. Today’s reverse mortgage landscape includes multiple options, each designed to serve different homeowner needs and financial goals.
Reverse Mortgage Options:
- Traditional HECM Reverse Mortgage
- Proprietary Jumbo Reverse Mortgage
- Reverse Mortgage Second Lien Programs
Reverse Mortgage Second Lien Option
One of the most innovative proprietary reverse mortgage solutions available today is the Reverse Mortgage Second Lien option. This solution allows homeowners to keep their existing low-rate first mortgage while accessing additional equity through a reverse mortgage placed in second position.
For homeowners who locked in historically low mortgage rates, this can be a highly strategic way to access liquidity without replacing favorable financing.
Key Advantages:
- Keep an existing low-interest first mortgage
- Access equity without refinancing the entire loan
- No required monthly payments on the reverse mortgage portion
- Ideal for homeowners with historically low first mortgage rates
The right strategy depends on the homeowner’s age, property value, equity position, and long-term financial objectives. That’s why choosing the right reverse mortgage, and the right advisor, can make all the difference. Contact us today to discuss your options.