HomeSafe Reverse Mortgage

Unlock More Flexibility in Retirement

Tap into your home’s equity with expanded options designed for today’s retirement needs.

A HomeSafe Reverse Mortgage is a proprietary (jumbo) reverse loan designed for higher-value homes and borrowers who need access to larger loan amounts than the FHA-insured HECM (Home Equity Conversion Mortgage) program allows. It’s considered one of the most flexible, high-balance reverse mortgage products available, giving homeowners ages 55+* the ability to access more equity, avoid extra costs, and create a stronger retirement strategy. With loan amounts up to $4 million**, HomeSafe helps you maximize your property’s value while maintaining financial freedom.

Greater Access, Greater Control

How HomeSafe Maximizes Retirement Potential

Unlike a standard HECM, which is capped at FHA lending limits (currently $1,149,825 in 2025), HomeSafe reverse mortgages can go well above those limits — in some cases providing access to up to $4 million in proceeds. This creates greater opportunities for retirement income planning, legacy building, and lifestyle flexibility.


Higher Loan Limits

Loan amounts up to $4 million** allow you to unlock more of your home’s value compared to a standard HECM, creating greater opportunities for retirement income planning.


No Insurance Premiums

Unlike many reverse mortgages, HomeSafe avoids the additional cost of mortgage insurance premiums, helping you keep more of your money where it belongs.


​Early Access​

Qualified homeowners can access their equity as early as age 55*, years sooner than traditional reverse mortgage options.

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Added Flexibility Without Added Payments

HomeSafe Second Reverse Mortgage

The HomeSafe Second is designed for homeowners who want added flexibility but don’t want to refinance or lose their existing low-rate mortgage. Instead of replacing your current loan, this option works alongside it — giving you more access to equity without creating new monthly obligations.


No New Monthly Mortgage Payments

Unlike a HELOC, HomeSafe Second doesn’t require new monthly payments, easing financial strain instead of adding to it.


Keep Your Low-Rate Mortgage

If you’ve locked in a historically low rate, there’s no need to refinance. HomeSafe Second complements your existing mortgage.


Protect Against Inflation

As living costs rise, HomeSafe Second provides an effective way to improve cash flow and keep retirement plans on track.

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Let’s explore how HomeSafe can strengthen your retirement plan.

Contact me today to get started.

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