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Seniors Home Reverse Mortgage
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Reverse the Future

What is a Reverse Mortgage?

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A Reverse Mortgage is a type of home loan that lets you convert a portion of the equity in your home without having to sell the home, give up title or take on a new monthly mortgage payment. It is also known as a HECM. The money you receive can be used for any purpose you choose. The program has been around for 27 years and is insured by the Federal Housing Administration.


Based on the final totals in the 2015 calendar year, 945,287 Senior Citizens have benefited from the FHA insured Reverse Mortgage since the program began in 1989. Although the program has been in existence for twenty seven ears, almost one third of the loans been done in just the past five years. That total is 293,058 Reverse Mortgages. These numbers show how popular the program has become for many senior citizens in the recent past. 


To learn more about how Reverse Mortgages work, please click here.

Reverse Mortgages Resources

The Seniors Home Reverse Mortgage Blog

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There is a downside to this wonderful news.

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Fast Facts

Reverse mortgages allow you to convert equity in your home into supplementary cash to use whenever, and however, you wish: as a lump-sum, monthly payment or as a line of credit you can tap as needed. The loan does not have to be repaid as long as you continue to live in your home.
The loan is backed and guaranteed by the Federal Government.
The home must be your primary residence.
Title to the property remains in your name.
Borrower must pay property taxes, hazard insurance and keep the home maintained.
You do NOT make monthly payments. EVER!
Cash received is TAX FREE!
You own your home – no different than a traditional mortgage.
Social Security benefits and Medicare are generally not affected by a reverse mortgage – consult your tax advisor.
Home Equity Conversion Mortgage
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Senior’s Home Reverse Mortgage located in Decatur, Georgia covering Metro Atlanta Marietta, Savannah Columbus, St Simons Rome, Dalton, Macon and all counties in Georgia. We also work in Chattanooga, Knoxville, Nashville, Memphis, and all counties in Tennessee. We have staff members in both states. We assist senior citizens, 62 years and older, with a primary residence and equity in the home located in Georgia or Tennessee. No monthly payments. We assist seniors and their children and families throughout the loan process. Our goal is to provide factual information and explain the FHA rules and regulations and types of Reverse Mortgages available.
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