Reverse Mortgages
For homeowners 55+ who want to access their home equity without selling or making monthly payments.
What a reverse mortgage is
A reverse mortgage lets homeowners 55 and older borrow against their home's equity without making regular payments. The loan, plus interest, is repaid when you sell the home, move out, or pass away. It's a way to access cash while staying in the home you love.
It's not right for everyone, but for the right situation it can meaningfully improve retirement cash flow.
Who it's for
- Homeowners aged 55 or older
- Retirees wanting to supplement fixed income
- Anyone wanting to stay in their home long-term
- Homeowners who prefer not to take on monthly payments
How Nestwell helps
- Walk you through exactly how the numbers work, plainly
- Compare reverse mortgage providers and rates
- Explain the impact on your estate so family is never surprised
- Help you weigh a reverse mortgage against a HELOC or downsizing
Independent legal advice
Reverse mortgages require independent legal advice before signing — it's a mandatory step, and we'll make sure you go into that conversation fully informed.
Estimate Your Available Amount
Common reverse mortgage questions
No — that's the defining feature. The loan and interest are repaid when you sell, move, or pass away.
No — reverse mortgages are non-recourse, meaning you'll never owe more than your home's fair market value at the time of sale.
No — funds from a reverse mortgage are tax-free and don't affect Old Age Security or other government benefits.
Yes, at any time. The reverse mortgage balance is simply repaid from the sale proceeds.
See what's available from your home equity
Free, no-obligation, plain-language conversation.