Enjoy Financial Freedom with a Reverse Mortgage

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What is a Reverse Mortgage?

Reverse Mortgages provide flexibility and financial security for seniors. The amount you can borrow depends on several factors, including your age, the value of your home, and current interest rates.

A Reverse Mortgage is a unique loan product designed for homeowners aged 55 and older. This loan type is ideal for retirees looking to supplement their income, cover healthcare expenses, or fund other retirement needs.
With a Reverse Mortgage, you can receive funds as a lump sum, a line of credit, or regular monthly payments, giving you the freedom to choose how you use your equity.

Loan Benefits

No Monthly Payments

Enjoy financial freedom without the burden of monthly mortgage payments, allowing you to use your income for other needs.

Flexible Disbursement Options

Choose how you receive your funds – as a lump sum, a line of credit, or monthly payments, tailored to your financial needs.

Retain Home Ownership

Continue to live in and maintain ownership of your home while accessing its equity.

Eligibility Requirements

Homeowner aged 55 or older
Must own the home outright or have a low mortgage balance
Property must be your primary residence
Must maintain the home and keep up with property taxes and insurance
Completion of a HUD-approved counseling session
Compliance with lender-specific property criteria

Start your Reverse Mortages Application

Frequently asked questions

What types of properties qualify for a Reverse Mortgage?

Single-family homes, multi-family homes (up to 4 units), and approved condominiums and townhouses can qualify.

How is the amount I can borrow determined?

The loan amount is based on your age, the value of your home, and current interest rates.

Do I still own my home with a Reverse Mortgage?

Yes, you retain ownership and can live in your home as long as you meet loan requirements.

What happens if I sell my home or move?

The loan must be repaid when you sell the home, move out permanently, or pass away.

Are the funds from a Reverse Mortgage taxable?

No, the money you receive from a Reverse Mortgage is generally considered tax-free.

See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

First-Time Homebuyers' Delight

Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.

Robert F.

San Tan Valley, AZ, Software Engineer

Great for Bank Statement Loans

I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. 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, Business Owner

Personalized Service

"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, Real Estate Investor

Cash-Out Refinance Made Easy

Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance 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.

Sandy, OR, Real Estate Broker

Exceptional for Self-Employed

After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small 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 Self-Employed

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

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual