Our Realtor Partnerships Are Key

When a customer is ready to buy a home, they need to locate the perfect house and ensure that they can afford it.

Continued Support and Care

We are committed to creating lasting, trusted relationships with Realtors. Unlike other mortgage companies, our goal is to provide you and your customers with a simple, stress-free closing that leaves amazing impressions.


As you work through the process of buying a home with your client, we will communicate with you every step of the way. Keeping you informed is crucial to a positive business relationship. That’s why we maintain an open dialogue with Realtors from start to finish.

Timely Closings

We know that closing can be a stressful time for homebuyers. This anxiety can end up impacting the relationship between a Realtor and their client. That’s why we process and underwrite all our loans locally. This makes things more efficient and helps everything run smoothly.

Home Equity Conversion Mortgages (HECMs) Work for Realtors

Real Estate Agents across the country are finding that a reverse mortgage may be an option for potential senior-home buyers who want to move or need to move but cannot qualify for a new mortgage or want to take on a new payment.

The Home Equity Conversion Mortgage for Home Purchase (HECM) may be the answer, not just for your clients, but also for you, when you ask yourself the question: “How can I grow my business in the future?”

The Home Equity Conversion Mortgage (HECM) for Home Purchase has opened new opportunities not only for Senior Home Owners, but also for Real Estate Agents.

Agents now have a reason to market to the fastest and largest growing demographic in the country.  It is estimated that over 10,000 people a day in America are turning 62 years of age.  The first wave of the Baby Boomer Generation is now receiving Social Security Income.

Many of today’s seniors are living in homes that no longer fit their life style. Many of the homes are multi-level, with the bedrooms upstairs, the kitchen on the main level and the laundry facilities down in the basement.   In some cases, the yard is too big in the summer to take care of, the drive way is too big in the winter to shovel.  Many seniors today are living in homes that are too far from family & friends.

What they want is a new home, but what they don’t need is a new monthly mortgage payment in this latter stage of their life.

Strategies that may help to sell more real estate:

Investment Capital – Reverse mortgages can be used to unlock valuable equity in a senior’s home. Extra funds could provide investment capital that may be used to take advantage of real estate investment opportunities in today’s down market.

HECM for Purchase – A HECM for Purchase loan is designed to assist seniors buy their next home, combining proceeds from the sale of a previous residence with a reverse mortgage – all within a single transaction. Realtors leveraging this unique mortgage tool may help seniors purchase homes they might not normally think they could afford.

Unique Financing Option – Buyers who are 62 or older can use a reverse mortgage as a smart alternative to a traditional mortgage. With an increased risk for unexpected health events as one grows older, the security of knowing borrowers can stop making monthly mortgage payments without losing their homes —and utilize reverse mortgage funds to pay for these unseen events—is invaluable.

Down Payment Source – Reverse mortgages can be used as a source of a down payment for family or friends. Today’s increased down payment requirements can often prevent the realtor’s client from qualifying for the purchase of the home they want.

Home Equity Conversion Mortgage for Purchase (H4P)

The Home Equity Conversion Mortgage (HECM) for Purchase (H4P) home financing program can help you sell more homes, by making it easier for people age 62 and older to buy the home they desire.

Home Equity Conversion Mortgage for Purchase (H4P) graphic

What is H4P?

Home Equity Conversion Mortgage for Home Purchase (H4P)

Did you know senior borrowers age 62 and older can use a Home Equity Conversion Mortgage (HECM) to purchase a home? Many senior borrowers have heard about the benefits of paying off an existing mortgage utilizing a reverse mortgage.

However, many are still unaware that they can also purchase a new home by combining a reverse mortgage with a down payment. This enables senior borrowers to purchase a new home without having to worry about making monthly mortgage payments (borrowers must remain current on property taxes, homeowner’s insurance and HOA dues). The HECM for home purchase also has limited income and credit requirements, many consumer safeguards, is FHA-Insured and HUD regulated!

Eligibility Requirements

  • Homeowner must remain current on property taxes, homeowner’s insurance, HOA dues and routine home maintenance
  • Must be 62 years of age or older
  • Home being purchased must be the primary residence
  • No Builder or Seller concessions allowed
  • Competitive fixed rate and adjustable rate mortgage available
  • The amount of money qualified for depends on age, home value and interest rate at the time of the loan
  • Limited income and credit requirements
  • New Construction – Certificate of Occupancy must be issued prior to application
  • Non-Recourse Loan: Borrower will never be personally liable for more than the home’s value at the time of sale and cannot leave themselves or their families in debt

Call 877-217-0166

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