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Turn Home Equity Into Income—With a Reverse Mortgage
If you're 62 or older, a reverse mortgage lets you convert your home’s equity into cash—without selling or making monthly payments. Stay in your home and get paid instead.
What Is a Reverse Mortgage?
A reverse mortgage is a loan that allows seniors to access their home equity as tax-free cash. Unlike a traditional mortgage, there are no required monthly payments. The loan is repaid when the home is sold or the borrower moves out permanently.
How It Works
🎯 You must be 62+ and live in the home as your primary residence
🏡 Borrow against home equity—get cash as a lump sum, monthly payments, or line of credit
💸 No monthly mortgage payments required
🔁 Loan is repaid when you move out, sell the home, or pass away
Why Consider a Reverse Mortgage?
It’s a flexible option for homeowners who want to supplement retirement income, cover medical costs, or eliminate existing mortgage payments—while staying in the home they love.
Why Seniors Choose Reverse Mortgages:
🪙 Supplement retirement income
🧾 No monthly mortgage payments
🏠 Stay in your home long-term
💼 Use funds for medical, travel, or living expenses
🔐 Flexible payout options (lump sum, monthly, or credit line)
Reverse Mortgage FAQs
Yes. You remain the owner and keep the title.
The loan becomes due. Your heirs can repay it or sell the home.
No. The funds are considered loan proceeds and are not taxed as income.
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Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
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