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Reverse Mortgage
Turn Your Home Equity Into Cash – Stay in Your Home with No Monthly Mortgage Payments
A Reverse Mortgage is a government-backed loan designed for homeowners aged 62 and older, allowing them to convert home equity into cash while continuing to live in their home. Unlike traditional mortgages, no monthly payments are required.
Why Choose a Reverse Mortgage?
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No Monthly Mortgage Payments – Stay in your home without monthly payments
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Access Your Home’s Equity – Convert equity into cash for living expenses, medical bills, or travel
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Flexible Payout Options – Receive funds as a lump sum, monthly payments, or a line of credit
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Stay in Your Home – Retain ownership as long as you meet loan obligations (taxes, insurance, maintenance)
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Federally Insured & Protected – Backed by HUD & FHA for borrower safety
Step-By-Step Reverse Mortgage Process
1. Initial Consultation
Speak with our experts to see if a reverse mortgage is right for you
2. Financial Assessment & Counseling
Required counseling session for borrower education
3. Application & Home Appraisal
Determine eligibility & home value
4. Loan Approval & Fund Disbursement
Choose your payment disbursement options and receive your funds
5. No More Monthly Payments
Live in your home without monthly mortgage payments
Advantages of a Reverse Mortgage
Stay in Your Home – No need to sell or move
Federally Insured – Protection for homeowners & heirs
No Monthly Mortgage Payments – Improve cash flow
Non-Recourse Loan – You (or your heirs) will never owe more than your home’s value
Flexible Payout Options – Lump sum, monthly income, or line of credit
Use Funds However You Want – Pay for medical expenses, home renovations, or supplement retirement income
Reverse Mortgage vs. Home Equity Loan – Which Is Right for You?
FEATURE
Reverse Mortgage
Home Equity Loan
Line of credit
Earn interest on your loan
No Earned Interest
Monthly Payments
None required
Required
Loan Repayment
When you sell/move/pass away
Monthly payments
Income Requirement
Enough to cover property expenses
Credit & income-based
Use of Funds
Any purpose
Any purpose
Why Choose Us for Your Reverse Mortgage?
At Trust Lending, we specialize in helping seniors access their home’s equity while maintaining financial freedom. Our team ensures a smooth, transparent process so you can make an informed decision.
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Personalized Loan Guidance – We tailor solutions for your financial needs
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HUD-Approved Counseling – We ensure you fully understand your options
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Fast & Easy Processing – We handle everything, from application to funding
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Trust & Integrity – Over 20 years of mortgage experience
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Secure, Government-Backed Program – FHA-insured for your protection
At Trust Lending, we believe buying or refinancing a home is a matter of trust—and we’re here to earn yours. With over 15 years of experience, we’ve helped countless homebuyers and homeowners secure affordable, flexible mortgage solutions tailored to their needs.
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Personalized Loan Solutions – We customize every loan to match your financial goals.
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Expert Guidance – Our experienced team walks you through every step of the process.
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Fast & Smooth Approvals – We streamline the process to get you approved quickly.
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Technology-Driven Service – We invest in the latest tools to make your experience hassle-free.
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Strict Compliance & Integrity – We follow all industry best practices, ensuring transparency and trust.
Learn More About Reverse Mortgages
What Is a Reverse Mortgage?
A Reverse Mortgage allows homeowners 62 and older to convert home equity into cash while continuing to live in their home without making monthly mortgage payments. Instead of making payments to the lender, the lender pays you, and the loan is repaid when the home is sold or the homeowner moves out.
A Brief History of Reverse Mortgages
The Reverse Mortgage program was introduced in 1961 and later expanded under the FHA-backed Home Equity Conversion Mortgage (HECM) program in 1989. Today, it is a trusted financial tool used by seniors to supplement retirement income.
Types of Reverse Mortgages
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HECM (Home Equity Conversion Mortgage) – The most common, government-backed option
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Proprietary Reverse Mortgage – For high-value homes exceeding FHA loan limits
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HECM for Purchase – Use a reverse mortgage to buy a new primary residence with no monthly mortgage payments