Introduction to Reverse Mortgages

Many homeowners have found that a reverse mortgage is a great way to take advantage of the equity they have built up in their homes.

A reverse mortgage is different than a traditional mortgage. Rather than paying a monthly mortgage payment to the lender, the borrower receives money from the lender, backed by a mortgage that is based on the value of the home. Borrowers can choose a one-time lump sum, monthly installments or a line of credit. The amount you receive depends on your age, the value of your home, and current interest rates. Proceeds may be used for any purpose.  You will still be responsible, however, to pay homeowners insurance and property taxes.

One of the great advantages of a reverse mortgage is that you are not required to pay the loan back until the home is no longer your primary residence.  Another great feature of our government-insured reverse mortgage is you can never owe more than the value of your home. No matter what!

If you’re aged 62 or older and own your home you may be eligible for a reverse mortgage. Contact us to find out more about a reverse mortgage and ways to make it work for you, or apply now and start the process.

These pages provide more information about reverse mortgages:


DISCLAIMER: These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Kings Mortgage Services Inc.

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act - NMLS 264441

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