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REVERSE MORTGAGES
UNLOCK YOUR HOME EQUITY & ENJOY FINANCIAL FREEDOM
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. Whether you’re looking to supplement retirement income, cover healthcare expenses, or eliminate an existing mortgage, a reverse mortgage can provide the financial flexibility you need.
What Type of Reverse Mortgage Is Best for You?
There are different types of reverse mortgages, each designed for specific financial needs. Explore your options below and see which one is the right fit for you.
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Home Equity Conversion Mortgage (HECM)
The Most Popular Reverse Mortgage
A HECM Reverse Mortgage is government-backed by the Federal Housing Administration (FHA) and offers flexible payout options to help seniors access their home equity.
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No monthly mortgage payments required
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Funds can be received as a lump sum, monthly income, or line of credit
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Federally insured & protected for borrowers and heirs
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Home remains in your name – you retain ownership
Proprietary Reverse Mortgage
For High-Value Homes
A Proprietary Reverse Mortgage (also known as a Jumbo Reverse Mortgage) is designed for homes exceeding the FHA loan limit of $1,089,300.
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Larger loan amounts available for high-value homes
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More flexible property types eligible (including condos that don’t meet FHA requirements)
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No mortgage insurance required
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Great for seniors with significant home equity
HECM For Purchase
BUY A NEW HOME WITH A REVERSE MORTGAGE
A HECM for Purchase lets seniors age 62 or older buy a new primary residence using a reverse mortgage — combining a down payment with the loan proceeds to finance the purchase.
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No monthly mortgage payments required
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Use it to right-size, relocate closer to family, or move into a low-maintenance home
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Must live in the home as your primary residence
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Homeowner keeps the title and ownership
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Backed by the FHA and protected for borrowers and heirs
HOW DO REVERSE MORTGAGES WORK?
You remain the homeowner – You retain ownership of your home as long as you meet loan requirements (such as paying property taxes and insurance).
Flexible payout options – Choose to receive a lump sum, monthly payments, or a line of credit.
No monthly mortgage payments – The loan balance is repaid when you sell your home, move out permanently, or pass away.
Loan is non-recourse – You or your heirs will never owe more than the home’s value.
WHY CHOOSE TRUST LENDING FOR YOUR REVERSE MORTGAGE?
At Trust Lending, we specialize in helping senior homeowners unlock their home equity with trusted, secure, and government-backed reverse mortgage solutions.
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Experienced Reverse Mortgage Experts – Dedicated specialists to guide you through the process
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Personalized Loan Options – We help you choose the best reverse mortgage for your needs
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Competitive Loan Terms – Low interest rates and flexible payout options
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Fast & Hassle-Free Processing – Simplified application with expert support
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Transparency & Integrity – No hidden fees, just honest guidance
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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.