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Flat Branch Home LoansReverse Mortgages

Home Equity Conversion Mortgages, or HECMs, are insured by the Federal Housing Administration (FHA) for seniors who are interested in utilizing the equity from their current property. With a reverse mortgage, you get a loan product where the lender “pays” you. In other words, this program takes part of your home equity and converts it into cash which will then be disbursed either as monthly payments or in a lump sum. It’s your cash and you get to choose how you use it.

You are eligible for a HECM regardless of the loan program used to purchase your current home.


To qualify for a HECM, you must:

  • Must be 62 years old or older
  • Own your home or have a low mortgage payment that can be paid off at closing
  • Currently live in your home
  • Maintain financial stability to be able to pay your property payments (property taxes, insurance and HOA) and other fees
  • Have a single-family home, a 2-4 unit home or an FHA- approved home
  • Borrower must complete HUD’s helpful counseling session

Our team of loan officers are not just here to help you close on your first home or your last, we are here to help you make the most out of your investment once you own your home. Speak with one of our loan officers to see if you qualify and what you can get out of a reverse mortgage loan.