Getting started

Getting started

Thanks for considering us to explore your reverse mortgage options. Here is exactly how the beginning works.

1. Tell us the basics

   We need some preliminary information to run your numbers: your date of birth and your spouse’s, the property address, your best estimate of the home’s value, and the balance of any existing mortgage. Fill out the questionnaire, or call us and we will take it over the phone in a few minutes.

2. We build your proposal

   We put together a written comparison with several different options so you can see the actual numbers side by side rather than general figures.

3. We review it together

   We schedule a meeting with you — and your family, if you want them there — to walk through the options and answer everything.

4. Counseling, if you decide to proceed

   You schedule a session with an approved HUD counseling group. It is required, takes one to two hours, and is typically done by phone or Zoom. On completion you receive a certification number and the loan process can begin.

From there, the typical timeframe for a reverse mortgage is 45 to 60 days. The full seven-step process is here.

Ready when you are

There is no cost and no obligation to get a proposal. If the numbers do not work for you, we will say so.