Your equity, without a monthly mortgage payment.
A HECM reverse mortgage can help eligible older homeowners access their home’s equity while remaining in their home, with flexible HECM payment options for managing retirement finances.
At Access Financial, we compare HECM loan options across 100+ HECM lenders to help you find the right fit for your needs and goals.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
One application. Better options. Simple process.
One simple application gives us what we need to explore the right HECM loan program for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a HECM involves
An eligible older homeowner
There is a minimum age set by the programme. Your loan officer confirms where you stand.
Substantial equity
Usually the home is owned outright or close to it.
A home you live in
It has to be your principal residence, not a second home or a rental.
Independent counselling
A session with a HUD-approved counsellor is required before you can proceed. This is a protection, not a formality.
Ongoing obligations
Property taxes, insurance and maintenance stay your responsibility for the life of the loan.
A financial assessment
The lender checks you can meet those ongoing obligations.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
The balance grows rather than shrinks
Interest is added rather than paid monthly. That is the mechanism, and it is the thing families most need explained.
It becomes repayable when you leave permanently
On a move into long-term care or on death, the loan falls due. The home is usually sold to settle it.
Missing taxes or insurance can trigger default
No monthly mortgage payment does not mean no obligations. This is the most common way a HECM goes wrong.
Nadeem Bhatti
Where we place reverse mortgages
Maryland
Virginia
Washington DC
North Carolina
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What families ask about reverse mortgages
Does the bank own my home?
No. The title stays in your name throughout, even with an FHA HECM. That is the single most common reverse mortgage myth.
Will my children inherit nothing?
The home is not surrendered. When the loan falls due the property is usually sold, the balance is settled, and anything remaining goes to your estate.
What if the balance grows beyond the value?
A HECM is federally insured and non-recourse, which means neither you nor your heirs owe more than the home is worth when it is sold.
Do I still pay anything?
No monthly mortgage payment, but property taxes, insurance and upkeep remain yours. Falling behind on those can put the loan in default.
Do I have to speak to a counsellor?
Yes. Independent HUD-approved counselling is required before you can proceed, and it exists to protect you.
Talk it through with your family present
Tell our HECM specialist your situation, and we will explain how it would actually work for you, free, with no pressure either way.