55+ Home Equity Line Of Credit (HELOC)

A time-tested way to turn your house or condo equity into cash.

If you’re 55 or older, a Home Equity Line of Credit (HELOC) is a smart, flexible way to access your home’s value — without giving up your low-rate first mortgage. Whether you want to consolidate debt, cover unexpected expenses, fund a new purchase, or simply enjoy greater financial freedom, our 55+ HELOC can help you get there.

At Truss Financial Group, we specialize in alternative lending solutions designed for today’s homeowners — including HELOCs that require no tax returns, no W2s, and no appraisals. You’ve worked hard for your home. Now let your home work for you.

Draw as much or as little as you need, when you need it — all on your terms.

Home Equity Lines of Credit for Homeowners 55+

Unlock the value of your home without refinancing your low-rate first mortgage. At Truss Financial Group, we specialize in helping homeowners aged 55 and older access their equity through flexible, easy-to-qualify Home Equity Lines of Credit (HELOCs).

Unlike traditional lenders, we don’t require tax returns, W2s, or even a property appraisal. This makes our HELOC a great option for retirees, self-employed individuals, and those with unique financial profiles.

Whether you need funds for renovations, healthcare, travel, or just peace of mind, our 55+ HELOC solution offers quick approvals, fast funding (as fast as 7 days), and personalized guidance from our expert team.

Let Truss Financial Group show you how simple and stress-free tapping into your home’s equity can be — without sacrificing your existing mortgage or retirement stability.

Truss Financial Group:
Proudly recognized as a Best Mortgage Lender for retirees

We offer a wide array of home loans for the self-employed, real estate investors and retirees. Alternative mortgage loans including Stated Income loans (a/k/a NonQualified loans), Bank Statement loans, Asset Depletion loans, Reverse Mortgages, Jumbo Reverse Mortgages, Proprietary Reverse Mortgages and more. And if you’re financing rental properties, we offer Debt Service Coverage Ratio and No-Ratio loans.

Senior Mortgages

Now you can use your home equity to enjoy retirement, increase your liquid assets, pay off expenses or debt, help family members, purchase a new property or travel. A Reverse Mortgage offers an easy way to “unfreeze” your equity and make your money work for you in other ways.

Jumbo Reverse Mortgages

Borrow beyond the FHA Reverse Mortgage limit of $800,000 with a Jumbo Reverse Mortgage. Truss Financial has access to lenders that offer low interest rates on Proprietary Reverse Mortgages and Jumbo Reverse Mortgages with loan amounts up to $4 Million.

In Retirement: Are You Living Life to the Fullest?

Elaine and Jack both retired in their late Sixties, and they soon realized their pension, social security and investment income wasn’t generating enough cash to handle unforeseen expenses and seize opportunities.After helping their daughter with a major medical expense, they didn’t have the liquidity needed to purchase a vacation investment property and to travel. A Reverse Mortgage solved their problem, taking the money locked up in their single largest asset and freeing it up for them to make the most of life with less stress.

Maybe You Need a Reverse Mortgage?

If you’re in California or a similarly high-value real estate market, your home is likely worth more than $800,000. FHA-insured reverse mortgages are capped at $800k and are only available on FHA-approved properties, This prevents many borrowers from maximizing the borrowing potential from their home equity. The good news is that Jumbo Reverse Mortgages are available from alternative lenders in amounts up to $4 million. If your home is equity-rich, talk to Truss about what a Jumbo Reverse Mortgage can mean to your personal finances and your lifestyle.

Best Reverse Mortgage Lender

"Suzie and the Truss Financial Group exceeded our expectations in securing our reverse mortgage. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable."

Robert F.

San Tan Valley, AZ, Retired

Great for Seniors

"I did a 55+ HELOC, didn't need to worry about tax returns. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process."

Berj F.

Concord, CA, Almost retired

I Kept My Low Rate First Mortgage

"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."

Howard L.

CA, Retired Business Owner

Access To My Home Equity

"Thank you so much to Guillermo Correa and Truss Financial. They made doing my reverse mortgage a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth."

RealEstateLady 1.

James, OR, Retired

Perfect For Seniors!

"After months of struggling with other lenders, Paul at Truss Financial made it easy to access our homes equity. As a retired business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease."

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

Innovative Solutions for Seniors

"Garrett Jimenez was super creative and helpful every step of the way. Being retired makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us."

Jason & Mary, Retired Law Enforcement

Rancho Cucamonga, CA, Self-Employed Individual