Your reverse mortgage specialist

Stay in your own home and keep ownership without ever having to make another monthly mortgage payment. Let our qualified professionals help you decide if a reverse mortgage is right for you.

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We are here to help…

Funds can be used for everyday expenses such as property taxes, homeowners insurance, and any maintenance needed around the home

Healthcare expenses such as long term care, and other unexpected medical costs

Any other purpose such as buying a new car, taking a much needed trip, or purchasing an additional asset.

Are you eligible?

There are many different loan options we have available for you to consider. Some of the eligibility questions often asked are below:

Typically, the age is 62 and over. Some lenders might have programs for under 62.

No

No, a reverse mortgage will pay off your existing first and section lien during the refinance.

No, most companies will not lend over 50-60% of your homes value.

No, most companies will not lend over 50-60% of your homes value.

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  • Resources

Resources to help you and your family make an educated decision

General resources ​

  • www.hud.gov
  • www.reversemortgage.org
  • www.ncoa.org
  • www.consumerfinance.gov
    • free consultation

    Property valuation

    free consultation

    Video resources

    youtube.com

  • youtube
    • free consultation

    General resources

    click here for a free consultation

    Property valuation

    click here for a free consultation

    Video resources

    click here for a free consultation

    Reverse mortgage terms:

    • Home Equity Conversion Mortgage (HECM) “The most common type of reverse mortgage today. One way they differ from private reverse mortgages (sometimes called “proprietary” reverse mortgages) is that HECMs are federally insured by the Federal Housing Administration (FHA).” – CFPB
    • Maximum Claim Amount “The lesser of the appraised value of the home, the sale price of the home being purchased, or the maximum limit HUD will insure. The maximum claim amount is one factor used to calculate how much a homeowner can borrow with a reverse mortgage loan.” – CFPB
    • Appraisal “A written document that shows an opinion of how much a property is worth. It describes what makes the property valuable and may show how it compares to other properties in the neighborhood.” – CFPB
    • Principle limit “The amount of money the borrower can borrow with a reverse mortgage loan. The principal limit for a HECM is calculated using the age of the youngest borrower or Eligible Non-Borrowing Spouse, the interest rate on the loan, and the maximum claim amount. The principal limit generally will increase each month, possibly making additional funds available over time for borrowers with adjustable rate HECMs, but not fixed-rate HECMs. In general, loans with older borrowers, higher-priced homes, and lower interest rates will have higher principal limits than loans with younger borrowers, lower-priced homes, and higher interest rates.” – CFPB
    • Principle residence “The property where the borrower, and if applicable, the non-borrowing spouse, maintain their permanent home and where they typically spend the majority of the year. A borrower may only have one principal residence at a time.”

    E-MAIL

    rouselending@gmail.com

    Mobile

    714-721-5845

    Phone

    503-800-8045

    Jonathan Rouse NMLS 998283 I Company TBD

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