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Make home equity work for you
Complete the form below, and a specialist will contact you for a free, no-obligation
discussion about achieving your goals with home equity.
HECM
A Home Equity Conversion Mortgage (HECM) is a federally insured reverse mortgage that allows homeowners 62+ to access a portion of their home equity without monthly mortgage payments. Whether you’re looking to supplement retirement income, eliminate an existing mortgage, or create a financial safety net, My Reverse Options is here to guide you every step of the
way.
Proprietary
A proprietary reverse mortgage is a private loan designed for homeowners 55+ with higher-value homes who may need more funds than a HECM allows. These flexible, non-government options can offer larger payouts, no mortgage insurance, and expanded eligibility—making them ideal for those seeking greater access to their home equity. My Reverse Options helps you explore the best fit for your
financial goals.
Reverse 4 Purchase
A Reverse for Purchase (also known as HECM for Purchase) allows homebuyers aged 55+ and older to purchase a new primary residence using a reverse mortgage—without monthly mortgage payments. It’s a powerful way to right-size, relocate closer to family, or move into a more suitable home while preserving retirement savings. My Reverse Options is here to help you buy smart and live comfortably.
Important Things to Know When you're In a Reverse Mortgage
*Notify the Lender If You’ll Be Away From Home for Extended Periods
Why it’s critical: A reverse mortgage requires the home to be your primary residence. If you are away for more than 6 consecutive months, especially for medical care, or more than 12 months for non-medical reasons, the loan may be considered in default.
*Complete and Return the Annual Occupancy Certification
Why it’s critical: Every year, the lender sends a form asking you to confirm that you still live in the home as your primary residence. Ignoring or forgetting to return it can initiate foreclosure proceedings.
*Always Pay Property Taxes, Insurance, and Do Repairs
Why it’s critical: Even though you’re not making monthly mortgage payments, you must still cover property taxes, homeowners insurance, and basic maintenance. Failure to do so can trigger foreclosure.
Licensing
Contact Us
6080 Center Drive
6th Fl.
Los Angeles, CA 90045
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Disclaimer: My Reverse Options, Inc. is a licensed CA Mortgage Broker, NMLS #1928866. All loans are subject to approval and processed under our license. We are not affiliated with HUD or the FHA. Information on this site is for general purposes only and not financial, legal, or tax advice. Partner lenders may include Finance of America, Longbridge Financial, and Mutual of Omaha.
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