Are you 55 or older?
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Your reverse mortgage eligibility can be established with very little information about yourself and your home.
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Can I Get a Reverse Mortgage? Understanding Your Eligibility and Options
If you're asking yourself "can I get a reverse mortgage?" the answer depends on a few key qualifications, but millions of American homeowners already meet the requirements. To be eligible for a reverse mortgage, you must be at least 55 years old (in most states), have substantial equity built up, and live in the property as your primary residence. The home itself must be a single-family home, a 2-4 unit property where you occupy one unit, an approved condo, or a manufactured home on it's own land that meets specific requirements. You'll also need to demonstrate the financial capacity to continue paying property taxes, homeowners insurance, HOA fees (if applicable), and maintenance costs. If you meet these criteria, a reverse mortgage can unlock the equity you've built over decades without requiring monthly mortgage payments, allowing you to convert your home's value into usable funds while you continue living there. This makes it an increasingly popular option for retirees to access a financial bridge to cover healthcare expenses, in-home care, daily living costs, or simply to enhance retirement comfort.
The amount of home equity that is available for you to borrow depends on your age, home value, and current interest rates. If you're wondering "can I get a reverse mortgage?" the next step is to answer the questions at the top of this page so we can assess your specific situation, uncover your options clearly, and help determine whether this financial tool aligns with your retirement goals and long-term plans. As trusted, local reverse mortgage advisors, we want to make sure this loan doesn't just "work" in the mathematical sense, but also works for you personally.
