Reverse Mortgage California | Homeowners Mortgage & Equity

Check Your Eligibility

Start with your zip code to see current California lending limits.

Let’s see how a reverse mortgage could work for you.

Nearly 1 million homeowners nationwide currently have a reverse mortgage to eliminate monthly payments.

Street Address

Home Value Estimate:

Current Mortgage Balance

Age Qualification (55+)

Your age determines your loan amount.

Do you have a spouse?

Your Personalized Summary

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Reverse Mortgage Education Hub

What is a Reverse Mortgage?

A loan for homeowners 62+ (55+ for Jumbo) that allows access to home equity tax-free without mandatory monthly repayments. You maintain ownership and title while being responsible for taxes, insurance, and maintenance.

Key Eligibility

• Primary Residence only.
• Single-family, 2-4 unit, or FHA condos.
• Mandatory HUD-approved counseling.
• Financial assessment for tax/insurance.

How Much Can You Get? (2026 Limits)

The HECM lending limit for 2026 is $1,249,125. Amounts vary based on age, value, and current rates (approx. 36.3% at age 62 up to 71.9% at age 97+).

Line of Credit

Unused funds grow over time.

Tenure Payments

Guaranteed monthly income for life.

Lump Sum

Immediate cash at closing.

The Non-Recourse Guarantee

A reverse mortgage is a non-recourse loan. You and your heirs will never owe more than the home's value at the time of sale. If the balance exceeds the value, HUD insurance covers the difference.