Advantage Reverse

Discover the array of personalized loan options available to cater to your unique needs.

Education on Reverse Mortgages Made Easy

The Reverse Mortgage is a highly customizable loan that can provide different benefits depending on your current situation and your short- and long-term financial goals. We are here to help you understand your option and see if a Reverse Mortgage will be the right financial tool for your retirement. 

  • You own the home, so any unused equity remains yours and goes to your heirs

  • No payments required, but you can make one if you want

  • Proceeds can’t be cut of frozen due to market decline which creates reliability 

  • Access to Tax Free Cash

  • Doesn’t affect income-based government benefits

High Level Facts/Features:

Free up Cash-flow

More people than ever are entering retirement with a mortgage payment, and retirement incomes were not designed to make mortgage payments. There is no payment required with the reverse mortgage so you can redirect the payment you are currently making on your existing mortgage back into your monthly cashflow. 

Create a Reliable Nest Egg

For the typical retired household, 70-80% of wealth is tied up in the home. The Reverse Mortgage can help take that equity and create liquidity that can be used to supplement in retirement. This can be done by setting up a growing line of credit, or by storing your mortgage payments in the growing line of credit. 

Set Up a Growing Line of Credit

For people that have a low mortgage balance or a free and clear home, the Reverse Mortgage can put your available proceeds into a Line of Credit. This Reverse LOC is reliable, because it can never be cut or frozen due to market conditions. This Line of Credit also has a growth rate, meaning the longer you have it, the more access to your equity it provides. Most Reverse LOC’s will double in 10-15 years. 

It can be hard to save and get ahead while making a mortgage payment on a fixed income. When you make payments with the Reverse Mortgage, your payments get stored into the Line of Credit. This keeps your payment liquid vs depositing your income into trapped equity. The money set aside will also grow from the compounding LOC Growth rate. This can accelerate your ability to build a nest egg while still paying on your mortgage.  

Store your payments in the Line of Credit

Keep your Benefits

Proceeds from the Reverse Mortgage are not income, so they will not affect any government benefit that is income based. The reverse mortgage will never affect or compromise benefits like Social Security income or Medicare in any way. If you have asset-based benefits, learn how you can use the reverse mortgage in a way that lets you keep asset-based government assistance programs like Medicaid.  

Extend Existing Assets

By using the Reverse Mortgage Proceeds alongside with existing assets, you can extend the life of the average retirement account by 30%. Reducing the amount of withdraws allows your money to perform, and it avoids things like taxes and penalties for drawing the money out. 

Equity Insurance

Equity is a funny thing because its not real until you can covert it to cash. At any given point in time, market shifts can dramatically change your equity stake. By setting up a Reverse Mortgage as early as possible, you are guaranteeing your potential access to equity throughout your lifetime. And the longer you have the reverse, the more home equity you will have access to. Have reliability and confidence in retirement knowing what your equity can do for you no matter what comes your way.