equityaccess.money
Access home equity with a reverse mortgage — without a monthly mortgage payment
For homeowners 62+ and families helping a parent. Learn how a reverse mortgage (HECM) may work, then Talk to a specialist. Short contact form — not a loan application. Property taxes and insurance are typically still owed.
About 1 minute. We’ll call or email you back. This is a contact request — not a loan application. Submitting does not pull credit.
What submitting this form does — and doesn’t
Serving homeowners exploring reverse-mortgage options, including California / San Diego–area families — product availability varies.
Credit vs equity: Equity (with age and rates) mainly affects how much you might borrow. Credit history, property-charge history, and residual income affect whether you qualify and whether a set-aside (LESA) may reduce usable proceeds. No single FHA minimum FICO — and no guaranteed approval.
Talk to a specialist
About 1 minute. This is a contact request — not a loan application. No Social Security number, no full date of birth, no credit authorization, and no bank login.
How a reverse mortgage conversation works
- Share contact info — name, phone, email (+ optional details).
- We review and confirm a good time to talk.
- A licensed specialist follows up — still no obligation to apply.
This website does not approve or deny loans.
Who reverse mortgages are for
- Homeowners age 62 or older with meaningful home equity
- Adult children helping a parent explore options
- Households who want to stay in the home and understand equity / cash-flow choices
- Anyone who wants a plain conversation before a lender application
Reverse mortgage myths (HECM and beyond)
| Myth | Reality |
|---|---|
| “It’s free government money.” | It’s a loan secured by your home (HECM is an FHA-insured loan product from approved lenders — not a benefit check). |
| “I never pay anything again.” | You typically skip monthly principal-and-interest, but taxes, insurance, and upkeep usually still apply. |
| “I give up my home / title.” | Eligible borrowers generally remain owners and can stay as primary residents, subject to loan terms. |
| “Credit doesn’t matter.” | There’s no single FHA minimum FICO, but lenders still run a financial assessment. Weak credit or thin residual income can mean a LESA set-aside that reduces cash you can use — not a free pass. |
| “This website will approve me.” | No. We only collect contact information. |
HECM eligibility basics
- Youngest borrower (or eligible non-borrowing spouse rules, where applicable) generally 62+ for HECM
- Home is typically your primary residence
- Enough equity after paying off required liens
- HUD-approved counseling generally required before a HECM application
- Financial assessment looks at credit/property-charge history and residual income
Exact rules vary by product and lender. Proprietary (non-HECM) products can differ — a specialist will clarify.
Reverse mortgage process overview
- Talk with us — short callback from your form
- HUD-approved counseling — required for HECM; get your certificate
- Application with a licensed lender — not on this website
- Appraisal & underwriting — including financial assessment
- Closing — only if you choose to proceed
You can stop at any step.
Reverse mortgage FAQ
What is a reverse mortgage (HECM)?
A reverse mortgage is a loan secured by your home, generally for older homeowners, that can let you access equity without a required monthly principal-and-interest payment while you live in the home as your primary residence and keep loan obligations. A HECM (Home Equity Conversion Mortgage) is an FHA-insured reverse-mortgage loan product from approved lenders — not a government benefit or grant.
Who may be eligible for a HECM?
HECM rules generally require the youngest borrower (or eligible non-borrowing spouse rules, where applicable) to be 62+, a primary residence, enough equity after required liens, HUD-approved counseling, and a lender financial assessment. Exact rules vary; proprietary products can differ. Nothing on this site guarantees you will qualify.
Do I still pay taxes and insurance?
Usually yes. Many reverse mortgages have no required monthly P&I, but borrowers typically remain responsible for property taxes, homeowners insurance, and required upkeep. Missing those obligations can lead to default.
Is there a minimum credit score?
FHA does not publish a single minimum FICO for HECM. Lenders still review credit history, property-charge history, and residual income. Weak results may mean a LESA set-aside that reduces usable proceeds. Equity alone does not guarantee approval or a cash amount.
Will this website approve me or pull my credit?
No. Submitting the form is a contact request so you can talk to a specialist. It is not a loan application and not a credit decision.
Do adult children use this?
Yes. Choose “Adult child helping a parent” on the form so we route the conversation appropriately.
Ready to talk to a specialist?
Contact request only — not a loan application.