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Reverse Mortgages

Is a Reverse Mortgage right for you?

A Reverse Mortgage, also called a Home Equity Conversion Mortgage (HECM), is a loan that allows you to access a portion of your home's equity to supplement your retirement income. If you have sufficient home equity, are age 62 or older or are married and at least one borrower is 62 or older, you may be able to benefit from a Reverse Mortgage.

With a Reverse Mortgage, you can use your loan proceeds to:

  • Pay off your existing mortgage
  • Improve your monthly cash flow
  • Pay for healthcare expenses
  • Establish an emergency fund
  • Make home improvements and more!

Call 530-879-4226 to speak with a Reverse Mortgage Loan Specialist to determine if a Reverse Mortgage can benefit you.

Learn the realities about Reverse Mortgages.

As with many financial products, Reverse Mortgage loans can be complicated and there may be a number of misconceptions about how the product works. Learn more.


Equal Housing Lender
  NMLS #458732


Before applying for a Home Equity Conversion Mortgage (HECM), you must meet with a counselor from an independent government-approved housing counseling agency. There may be a fee for this service.

This page was not issued by HUD or FHA and was not approved by the Department or Government Agency.

A word about our calculators

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

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