For homeowners age 55+* with high-value properties, the Jumbo Reverse Mortgage gives you strategic access to your home's equity - without monthly mortgage payments and with borrowing limits tailored for the luxury/upper-tier homeowner. *In certain states the minimum age may be higher; check eligibility for your state.
The Jumbo Reverse Mortgage offers a powerful alternative to a standard federally-insured reverse mortgage (HECM), providing flexible options designed for homeowners who want to extract value from premium real estate, protect investments, and live comfortably without adding monthly debt payment burdens.
As a Jumbo Reverse borrower, you'll receive dedicated service from a specialist team - professionals familiar with high-value homes, jumbo reverse financing, and the unique needs of affluent retirees. Our Borrower Care team supports you through every step: document assistance, active loan monitoring, periodic check-ins to ensure your goals are being met and your loan remains on track.
If you own a higher-value home and want meaningful access to your equity - without monthly mortgage payments and without selling your home - a Jumbo Reverse Mortgage could be an excellent fit. It's important to work with a lender experienced in these products, and to evaluate how the loan fits into your broader financial retirement plan (including legacy goals, tax implications, and asset management).
A Jumbo Reverse Mortgage is a proprietary reverse mortgage product for homeowners with high-value properties who want to convert their home equity into cash without monthly mortgage payments. Because it isn't insured by the federal government (unlike the HECM program), it allows for higher loan limits and more flexible terms.
You remain the owner of your home, you may receive funds as a lump sum, monthly payments, a line of credit, or a combination thereof. There are no required monthly principal-or-interest payments (though you must maintain your property, pay property taxes and insurance, and occupy the home as your primary residence). Repayment becomes due upon a maturity event (for example, the borrower moves out permanently, sells the home, or passes away).
Homeowners age 55 or older (depending on state) with substantial equity in higher-value homes who wish to:
When the loan becomes due (typically when the homeowner permanently leaves the residence, sells the home, or passes away), the balance is repaid from the sale proceeds or other assets. As with other reverse mortgages, many jumbo products are non-recourse - meaning you or your heirs will not have to pay more than the home is worth.
Yes. Typical criteria include:
Contact us today to see how your home's equity can work for you. Our team will provide a custom estimate of the borrowing potential and guide you through the process from eligibility check to closing.
*Availability, terms, and age minimums vary by product and state. Please contact us for complete details.
This is a proprietary jumbo reverse mortgage product and is not affiliated with the federal government's Home Equity Conversion Mortgage (HECM) program. Loans up to specified maximums may be available only in select states, subject to underwriting. Borrowers must continue to pay property taxes, homeowners insurance, HOA fees, and maintain the property. Failure to meet obligations may trigger loan repayment. Interest and fees accrue and the loan balance grows over time. Borrowers or estate must not owe more than the home's value at loan maturity.
Reverse mortgage options vary based on your age, home value, equity, and long-term goals. Get your FREE personalized analysis below - no pressure, no obligation.
