Review estimated value, existing liens, property type, and occupancy.
Could your home equity support what comes next?
A reverse mortgage may give eligible homeowners age 62 or older another way to use home equity. Start with a clear assessment of the opportunity, costs, responsibilities, and alternatives.
- Understand available options
- Review homeowner obligations
- Ask questions without pressure
Important: No monthly principal and interest payment does not mean no ongoing costs. Interest and fees increase the loan balance, and homeowners must continue meeting property-related obligations.
Request your reverse mortgage assessment.
Share the basics so Bryan can prepare for a focused conversation.
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★★★★★“First-time buyer and I was totally overwhelmed. Bryan walked me through every step, answered every question, and got me closed in 28 days.”
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Reverse mortgage explainer video
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What a reverse mortgage changes.
A HECM is an FHA-insured reverse mortgage for eligible homeowners age 62 or older. It converts part of available home equity into loan proceeds while title remains in the homeowner's name.
The loan balance grows as proceeds, interest, and fees are added. It is generally repaid after the last borrower sells the home, permanently moves out, or dies.
The responsibilities continue.
- Keep the home as the principal residence.
- Pay property taxes, homeowners insurance, and applicable property charges.
- Maintain the home in good repair.
- Complete required HUD-approved counseling for a HECM.
The assessment begins with the whole picture.
A reverse mortgage is not automatically the right answer. Bryan can help you compare the home, existing balance, timeline, household plans, and alternatives before discussing an application.
Schedule 30 MinutesClarify why you are considering equity access and how long you plan to remain in the home.
Discuss loan balance growth, property charges, counseling, and repayment events.
Decide whether a detailed loan review or a different option makes more sense.
Meet Bryan Bowman.
Bryan approaches reverse mortgage conversations the same way he approaches every mortgage decision: start with the client's situation, explain the structure, and make the next step understandable.
Your consultation is a chance to ask questions and review whether further evaluation makes sense. It is not an approval, a promise of proceeds, or a commitment to borrow.
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30-minute consultationA focused review of your situation
Direct communicationSpeak with Bryan about your questions
Qualified guidanceTerms depend on the borrower, home, and program
Reverse mortgage questions, answered plainly.
These answers describe HECMs generally. A personal assessment requires more information about the homeowner and property.
What is a reverse mortgage?
A reverse mortgage is a home loan that allows eligible older homeowners to borrow against available home equity. A Home Equity Conversion Mortgage, or HECM, is the most common type and is insured by the Federal Housing Administration.
Do I still own my home?
Yes. Title remains in the homeowner's name. The home must remain the borrower's principal residence, and the borrower must continue paying property taxes, homeowners insurance, and applicable property charges while keeping the home in good repair.
Are monthly mortgage payments required?
HECM borrowers generally do not make monthly principal and interest payments. Interest and fees are added to the loan balance, so the amount owed grows and available home equity generally decreases over time.
How much could I receive?
The amount depends on factors including the age of the youngest eligible borrower, the home's value, current interest rates, existing mortgage balance, and program limits. An assessment can help establish whether a more detailed review makes sense.
When does the loan become due?
A reverse mortgage generally becomes due when the last borrower sells the home, permanently moves out, or dies. It may become due earlier if loan obligations such as taxes, insurance, occupancy, or property maintenance are not met.
Is counseling required?
Borrowers pursuing an FHA-insured HECM must complete counseling with a HUD-approved reverse mortgage counseling agency before receiving the loan.
Book a 30-minute Reverse Mortgage Consultation.
Choose a time for a focused conversation with Bryan. He will review the basics, answer questions, and help clarify whether a reverse mortgage assessment should move forward.
These materials are not from HUD or FHA and were not approved by HUD or a government agency. HECM borrowers must meet eligibility requirements and complete HUD-approved counseling. A reverse mortgage increases the principal loan balance and generally decreases home equity. Borrowers remain responsible for property taxes, homeowners insurance, applicable property charges, occupancy requirements, and home maintenance. Failure to meet loan obligations may cause the loan to become due and payable. Consult appropriate tax, legal, and financial professionals about your situation.