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EPISODE 28: HECM vs Proprietary Reverse Mortgage: Which One Fits Higher-Value Homes?
Truss Talk
In this episode of The Truss Talk by Truss Financial Group, Jeff Miller (CEO) and Jason Nichols (CMO) demystify high-net-worth equity extraction. They compare the traditional HECM (Home Equity Conversion Mortgage) against private Proprietary (Jumbo) Reverse Mortgages, exposing how FHA lending caps penalize high-value property owners and how proprietary programs unlock millions in hidden equity.
Discover how homeowners as young as age 55 can access custom jumbo reverse loans, HELOC for Seniors retain estate flexibility, and tap into tax-free cash flow without liquidating stock portfolios or selling their primary residence.
In this episode, you’ll discover:
The HECM Lending Cap: Why the FHA max claim limit caps calculation values and penalizes homes worth over $1.2M.
The Proprietary (Jumbo) Advantage: How private reverse mortgages evaluate full property valuations ($2M, $3M, $4M+) to yield double or triple the accessible cash.
Early Equity Access (Age 55+): Why proprietary loans allow near-retirees to tap equity 7 years earlier than standard HECM age limits allow.
Federal vs. Private Trade-Offs: Evaluating cost structures, interest rates, and non-recourse protections across both loan types.
Strategic Wealth Preservation: How affluent retirees use jumbo equity lines to avoid capital gains taxes, fund long-term care, and protect investment portfolios.
Get in Touch with Truss Financial Group:
Own a high-value property and want to compare side-by-side HECM vs. Proprietary loan calculations? Connect with our team to analyze your estate equity with zero hard credit pulls and no obligation:
Call us at Toll-Free Phone: (888) 878-7715
Website: trussfinancialgroup.com
Fill the contact form at: trussfinancialgroup.com/contact
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