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Maximize Your Retirement
With Your Home Equity
Hi! I'm Sarah
I've dedicated my career to helping seniors understand and utilize reverse mortgages to improve their retirement years. My favorite part of what I do, is seeing the relief and joy on my clients' faces when they realize they have more financial freedom.
I live in Northern California and enjoy serving elders across the state. I look forward to helping you navigate turning your home equity into a viable resource! Contact me today to get started!
What is a Reverse Mortgage?
A reverse mortgage, also called a Home Equity Conversion Mortgage (HECM), allows seniors 62+ to access home equity that has been built over the years. Homeowners who qualify may use the funds however they wish, without a required monthly mortgage payment. They can receive the funds via a lump sum, monthly payment, line of credit, or any combination of these. Traditional reverse mortgages are FHA insured with additional safeguards in place. Jumbo reverses are also available from private lenders, but are not FHA insured.
Borrowers must continue to live in their home as their primary residence, maintain the property and keep current on property taxes, insurance and HOA dues (if applicable).
Who We Help
Seniors Age 62+
We help seniors 62+ understand and navigate the reverse mortgage process from the application to funding.
Adult Children
We work with adult children of aging parents who want to help them get more financial flexibility as they age.
Advisors & Realtors
We work with Financial Advisors and Realtors® to help their clients utilize reverse mortgages as a retirement strategy or to purchase a new home without a monthly mortgage payment.
Frequently Asked Questions
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Will I Lose My Home?
You remain the owner of the home with the reverse mortgage being a first lien, just like a traditional mortgage. As long as you continue to follow the requirements, you will not lose your home.
Will My Kids Still Inherit My Home?
Yes. The loan becomes due whenever you pass, move or sell the home. Your heirs will still inherit the home, but they will need to pay off the loan by either refinancing or selling the home.
Will I Pay Tax on the Reverse Mortgage Payouts?
Reverse mortgage proceeds are generally not considered taxable. However, you should consult with your tax advisor regarding your individual circumstances.
Can I Use the Money for a Vacation?
There are no restrictions for how you spend the proceeds from your reverse mortgage. You can use it for fun, home modifications, a new car, home health care - whatever you would like to spend it on.
What if my Home Value Drops?
Reverse mortgages are considered "non-recourse" loans whereby you and your heirs will never owe more than the home is worth at the time of sale. The HECM is insured by the Federal Housing Administration and will cover any shortfall.
Can I Get a Reverse Mortgage if I Already Have a Mortgage?
Yes. Many homeowners use a reverse mortgage to pay off their traditional mortgage so they don't have a required monthly mortgage payment. There may also be programs available that allow you to keep your first mortgage while still tapping into your equity.
Myths and Facts About Reverse Mortgages
Myth: I will be handing over my home to the lender or the government
FACT: False. If you get a reverse mortgage, you'll continue to own your home. It's just like a traditional mortgage, whereby the lender puts a lien on your home until you pay off the loan.
Myth: I'll have nothing left to leave my kids
FACT: Proceeds from the sale of your home are used to pay the reverse mortgage loan balance. Your heirs have the option to repay the loan, sell the home and keep the difference, or buy the home, thus paying off the loan.
Myth: My spouse will be kicked out of the house if I pass away.
FACT: There are added protections for non-borrowing spouses which allows them to stay in the home if the borrower passes, as long as they continue to meet the terms of the loan.
Myth: Reverse mortgages are for people who are financially desperate
FACT: Often thought of as a last resort, many financial advisors and retirees utilize their home equity as an added retirement resource. Some use it to supplement their funds, while others save it for a rainy day.
Myth: I won't qualify because I have a regular mortgage
FACT: If you currently have a conventional mortgage on your home, you may still qualify for a reverse. Because the reverse mortgage needs to be the first lien, the old mortgage needs to be paid off either from your savings, the reverse mortgage proceeds or a combination of both.
Myth: Reverse mortgages are scams against vulnerable seniors
FACT: A Home Equity Conversion Mortgage (HECM) is a reverse mortgage which is insured by the FHA. Plus, there are additional safeguards in place to protect seniors. As long as the borrower continues to meet the loan requirements, it is a safe and viable option for many.
Ready to Get Started?
Sample Form
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The Reverse Mortgage Process
Getting started is easy.
I'm here to help you understand the reverse mortgage process. Please complete the confidential form to the left to tell me a little bit about you. I will get back to you as soon as I can! Below is an outline of the process.
1. Let's Talk
We begin with a simple discussion about your goals, your home, and how you’d like to use your equity. No pressure. Just education.
2. Your Personalized Plan
We prepare a customized proposal showing how much you may qualify for and your payout options — whether that’s monthly income, a lump sum, or a line of credit.
3. Independent HUD Counseling
Before moving forward, you’ll speak with a HUD-approved counselor. This independent session ensures you fully understand the program and feel confident in your decision.
4. Application & Processing
Once counseling is complete, we handle the paperwork, appraisal, and underwriting.
5. Closing & Funding
After final approval and a short waiting period (required for refinances), your funds are made available — with no required monthly mortgage payments.
Sample Legal Disclaimer
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Equal Housing Lender | © 2026 Your Name, Reverse Mortgage Specialist. All Rights Reserved.
Reverse Mortgage Disclaimer: A reverse mortgage is a loan that must be repaid when the last borrower no longer resides in the home, the property is sold, or the borrower fails to meet loan obligations such as paying property taxes and homeowners insurance or maintaining the property. Failure to meet these obligations may result in foreclosure. Not all borrowers will qualify. Terms and conditions apply. Consult with a tax advisor for potential tax implications and with a financial advisor for any impact on government benefits.
This website has not been reviewed, approved, or issued by HUD, FHA, or any government agency. The products or services offered herein have not been sponsored or endorsed by any government agency.
This is not a commitment to lend. Terms and conditions are subject to change without notice.
For additional information visit NMLS Consumer Access
This is NOT a valid website and it is not intended to provide information for consumers interested in a reverse mortgage. Please contact your loan officer to get compliant educational content. This is a SAMPLE landing page only intended for marketing purposes. If you are a loan officer interested in getting your own landing page, please set-up a free consultation on Wordflirt's calendar here.