WORRIED ABOUT RISING PROPERTY TAXES?
A Reverse
Mortgage May
Help You Stay in
the Home You Love
As property values increase, many homeowners are experiencing higher
property tax bills. If you're 62 or older, a Reverse Mortgage may provide access
to your home equity, helping you manage rising housing expenses without selling your home.*
Whether you're living on a fixed retirement income or looking for greater
financial flexibility, we'll help you explore whether a Reverse Mortgage is
the right solution for your situation.
BENEFITS AND OPPORTUNITIES
How a Reverse Mortgage Can Help
Many retirees own valuable homes but have limited monthly income. A Reverse Mortgage can help eligible homeowners access home equity to better manage increasing housing-related expenses.
Access Equity
Convert a portion of your home's equity into available funds without selling your home.*
Improve Cash Flow
If enough proceeds are available, a Reverse Mortgage can eliminate required monthly mortgage payments, helping free up cash for property taxes.*
Stay in Your Home
Continue living in your primary residence while using your home equity to support your retirement goals.
Cover Housing Costs
Use available funds to help manage property taxes, homeowners insurance, home maintenance, or unexpected repairs.
Reduce Financial Stress
Gain greater confidence knowing you have access to additional financial resources when expenses increase.
Flexible Payments
Choose a lump sum, monthly payments, a line of credit, or a combination based on your needs and eligibility.
WHO MAY QUALIFY
Could a Reverse Mortgage Be Right for You?
If you are concerned about rising property taxes or simply want more financial flexibility in retirement, you may be eligible to convert a portion of your home equity into tax-free funds without selling your home.*
- Are 62 years of age or older
- Own your home or have significant equity
- Live in the home as your primary residence
- Meet FHA/HUD eligibility requirements
- Can continue paying required property taxes, homeowners insurance, and maintaining the property
SIMPLE PROCESS
Explore Your Options in Three Easy Steps
01
Request Your Free Property Tax Estimate
Complete our simple online form to begin exploring your options and see how much equity you could access.
02
Personalized Consultation
We'll review your specific financial goals, explain available Reverse Mortgage solutions, and answer your questions with no pressure.
03
Move Forward with Confidence
If a Reverse Mortgage is right for your retirement strategy, we'll expertly guide you through every step of the loan process.
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Why Choose Universal Home Lending
Helping Homeowners Navigate Retirement with Confidence
At Universal Home Lending, we understand that rising housing costs can create uncertainty during retirement.
Our experienced team provides personalized guidance, helping you understand how a Reverse Mortgage works and whether it aligns with your financial goals. We focus on education first, so you can make informed decisions without pressure.
Veteran-Owned & Licensed
As a Veteran-Owned Mortgage Company, we are committed to the highest standards of integrity. Our team of experienced NMLS Licensed Professionals provides honest, transparent communication.
- Personalized retirement guidance
- Dedicated support throughout the process
- Honest, no-pressure advice
TRUSTED BY HUNDREDS OF FAMILIES
Why Homeowners Trust Us
TAKE THE NEXT STEP
Schedule Your Free
Consultation
Select a convenient time below to speak with Brian Faeth
about your reverse mortgage options. No obligation, just a conversation.
Clarity Before You Commit
Frequently Asked Questions
Can I use a Reverse Mortgage to pay my property taxes?
Yes. Reverse Mortgage proceeds may be used for many purposes, including helping cover property taxes, homeowners insurance, home repairs, healthcare expenses, or supplementing retirement income.
Will the Reverse Mortgage pay my property taxes automatically?
No. You remain responsible for paying property taxes, homeowners insurance, HOA dues (if applicable), and maintaining your home. Some borrowers may be required to have a Life Expectancy Set-Aside (LESA), where funds are reserved to help pay future property taxes and homeowners insurance if required by loan guidelines.
Will I still own my home?
Yes. You remain the homeowner as long as you continue meeting the loan requirements, including occupying the home as your primary residence and paying required property taxes and homeowners insurance.
How much money can I receive?
The amount depends on your age, home value, current interest rates, and available equity. We'll provide a personalized estimate based on your situation.
Is a Reverse Mortgage only for homeowners with financial hardship?
No. Many financially secure retirees use Reverse Mortgages as part of a broader retirement strategy to improve cash flow, preserve investments, and manage rising living expenses.
FIND OUT WHETHER A REVERSE MORTGAGE CAN HELP
Rising Property Taxes Don't Have to Disrupt Your Retirement
Find out whether a Reverse Mortgage can help you create greater financial flexibility while remaining in the home you love.
