RETIREMENT INCOME
Supplement
Your Retirement
With Confidence
Retirement should be about enjoying life—not worrying about monthly finances. If you're age 62 or older, a Reverse Mortgage may allow you to convert a portion of your home equity into tax-free funds that can help supplement your retirement income while continuing to live in the home you love.
Strictly confidential · No credit card required
EQUITY INSIGHTS
Why Homeowners Use Equity To
Thrive
Supplement Monthly Income
Receive funds that can help cover everyday living expenses and provide greater financial peace of mind.
Stay In The Home You Love
Continue living in your primary residence while accessing a portion of your home's equity.
No Required Monthly Payments*
If sufficient proceeds are available, a Reverse Mortgage can pay off your existing mortgage, improving cash flow.*
Preserve Retirement Savings
Reduce the need to withdraw from your retirement accounts, helping your investments potentially last longer.
Prepare For Unexpected Expenses
Use available funds for healthcare, home repairs, emergency expenses, or other retirement needs.
Flexible Payout Options
Choose a lump sum, monthly payments, a line of credit, or a combination based on your financial goals.
PRACTICAL APPLICATIONS
Turn Home Equity Into A
Resource
Discover how converting a portion of your home's value can create reliable financial flexibility without the need to sell.
Funding Healthcare & Lifestyle
With a reliable source of supplemental income, you can confidently address rising medical costs, cover out-of-pocket expenses, or simply enjoy the retirement lifestyle you envisioned—without the stress of depleting your cash reserves.
Delaying Investment Withdrawals
Market volatility shouldn't dictate your retirement schedule. Tapping into your home equity allows you to preserve your portfolio during downturns, giving your hard-earned investments time to recover and continue growing for the long term.
Eliminating Mortgage Payments
If sufficient proceeds are available, a reverse mortgage can pay off your existing traditional mortgage. Removing this significant monthly obligation frees up cash flow instantly, giving your monthly budget more breathing room.
*Borrowers remain responsible for property taxes and homeowners insurance.
WHO MAY QUALIFY
Is A Reverse Mortgage
Right For You?
You may qualify if you:
- Are 62 years of age or older
- Own your home or have substantial home equity
- Live in the home as your primary residence
- Meet FHA/HUD eligibility requirements
- Can maintain property taxes, homeowners insurance, and property upkeep
WHY CHOOSE UNIVERSAL HOME LENDING
Building A More Confident
Retirement
Planning for retirement is one of life's biggest financial decisions, and we're committed to helping you make informed choices.
Our team takes an educational approach, providing personalized guidance without pressure. We'll explain exactly how a Reverse Mortgage works, answer your questions, and help determine whether it's the right fit for your long-term goals.
Veteran-Owned Company
Proudly serving our community with the honor, integrity, and transparency you deserve.
Licensed Professionals
Experienced NMLS-licensed Reverse Mortgage Specialists working exclusively on your behalf.
Personalized Guidance
An educational, no-pressure approach tailored specifically to your financial goals.
SIMPLE PROCESS
Three Easy Steps To
Explore Options
01
Request Estimate
Complete our quick form to begin exploring your options.
02
Personalized Consultation
We'll review your financial goals and explain available Reverse Mortgage solutions.
03
Move Forward with Confidence
If a Reverse Mortgage is the right fit, we'll guide you through every step of the process.
| Year | Interest | Principal | Balance |
|---|
TRUST & REVIEWS
Trusted By Hundreds Of
Families
NMLS Licensed Professionals | Equal Housing Opportunity
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
Your Questions, Answered
Understanding the details is the first step toward a more confident retirement. Here are the answers to the most common logistical and legal questions we receive.
Can a Reverse Mortgage provide monthly income?
Yes. Depending on the loan option you choose, you may receive monthly payments, a line of credit, a lump sum, or a combination of these options.
Will I still own my home?
Yes. You remain the homeowner as long as you continue to meet the loan obligations, including maintaining the property, paying property taxes, homeowners insurance, and occupying the home as your primary residence.
Can I use the funds however I choose?
In most cases, yes. Homeowners commonly use the funds for daily living expenses, healthcare, home improvements, travel, emergency reserves, or supplementing retirement income.
Will a Reverse Mortgage affect Social Security?
Reverse Mortgage proceeds generally do not affect Social Security or Medicare benefits. However, they may impact needs-based assistance programs. We recommend consulting with your financial or tax advisor.
How much can I qualify for?
The amount depends on factors including your age, home value, current interest rates, and available home equity. We can provide a personalized estimate during your consultation.
YOUR NEXT STEP
Make Your Retirement Work
Smarter
Your home may be one of your greatest financial resources. Learn how a Reverse Mortgage could help supplement your retirement income and provide greater financial peace of mind.
No obligation • Secure & Confidential
