If you’re 55* or older, a reverse mortgage can be a powerful tool to unlock the equity in your home while maintaining ownership. Supplement your retirement income, pay for medical expenses, or simply enjoy more financial flexibility. With no monthly mortgage payments required, you can turn your home into a resource to support your lifestyle or plan for the future. Whether you’re 55+ or 62+, we have a range of programs to fit your needs. Let us guide you through the process and ensure you make the most of your home’s value.
*Reverse Mortgage borrowers must be 62 or older for most programs; some accept 55 or older—check lender guidelines.
For real estate investors, qualifying based on traditional income can be limiting. With a Debt Service Coverage Ratio (DSCR) Loan, you can qualify based on your rental property’s cash flow, not your personal income. This program is ideal for investors looking to grow their portfolio or finance additional properties without the need for extensive income documentation. Unlock the potential of your rental income and take the next step in building wealth through real estate.
How we get home loans done.
1 - Connect With Our Team
You can reach one of our Mortgage Loan Originators by choosing one of the following:
2 - Set Your Goals
Every situation is unique. Our Mortgage Loan Originators will walk you through your options. Find out about monthly payment options so you can identify what you qualify for and what you can afford.
3 - Select Your Loan Program
When financing a home, you want to make sure the loan program you get into is the right fit for you. With our Flexible Choice line of products, we have the program to fit your unique needs. Our Mortgage Loan Originators can help walk you through the options and help you determine what fits your situation.
4 - See if You Can Get Approved
Once you determine that loan that is right for you, it’s time to run your credit and complete a loan application. Your credit report and loan application will be submitted to our automated underwriting engines to determine whether you meet the underwriting guidelines or not. Note: not all consumers will be approved and closed.
5 - Submit Requested Items
Your Mortgage Loan Originator will send you a list of items that are needed to underwrite your application. It’s important to provide all the necessary documentation up front and in a timely manner so that the underwriter assigned to your loan can issue a Loan Approval and work towards getting your loan closed.
6 - Close Your Loan!
After submitting your paperwork for underwritten approval, it’s time to close your loan. The closing of your loan is one of the final steps before your loan can be funded. A loan closing takes place either with a mobile Notary, who will bring the final paperwork to you or with a closing agent, often chosen by the sellers. Note: not all consumers will be approved and close.
