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REVERSE MORTGAGE
TURN YOUR HOME EQUITY INTO CASH – STAY IN YOUR HOME WITH NO MONTHLY MORTGAGE PAYMENTS
A Reverse Mortgage is a government-backed loan designed for homeowners aged 62 and older, allowing them to convert home equity into cash while continuing to live in their home. Unlike traditional mortgages, no monthly payments are required.
REVERSE MORTGAGE
TURN YOUR HOME EQUITY INTO CASH – STAY IN YOUR HOME WITH NO MONTHLY MORTGAGE PAYMENTS
A Reverse Mortgage is a government-backed loan designed for homeowners aged 62 and older, allowing them to convert home equity into cash while continuing to live in their home. Unlike traditional mortgages, no monthly payments are required.
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A REVERSE MORTGAGE?
• No Monthly Mortgage Payments – Stay in your home without monthly payments
• Access Your Home’s Equity – Convert equity into cash for living expenses, medical bills, or travel
• Flexible Payout Options – Receive funds as a lump sum, monthly payments, or a line of credit
• Stay in Your Home – Retain ownership as long as you meet loan obligations (taxes, insurance, maintenance)
• Federally Insured & Protected – Backed by HUD & FHA for borrower safety
FHA STREAMLINE REFINANCE QUALIFICATIONS
• Must currently have an FHA loan
• Must have made at least 6 months of on-time mortgage payments
• The refinance must provide a “net tangible benefit” (such as a lower rate or payment)
• Minimum credit score requirements vary by lender, but generally lower than conventional loans
READY TO BEGIN YOUR LOAN APPLICATION?
WHY CHOOSE A REVERSE MORTGAGE?
• No Monthly Mortgage Payments – Stay in your home without monthly payments
• Access Your Home’s Equity – Convert equity into cash for living expenses, medical bills, or travel
• Flexible Payout Options – Receive funds as a lump sum, monthly payments, or a line of credit
• Stay in Your Home – Retain ownership as long as you meet loan obligations (taxes, insurance, maintenance)
• Federally Insured & Protected – Backed by HUD & FHA for borrower safety
FHA STREAMLINE REFINANCE QUALIFICATIONS
• Must currently have an FHA loan
• Must have made at least 6 months of on-time mortgage payments
• The refinance must provide a “net tangible benefit” (such as a lower rate or payment)
• Minimum credit score requirements vary by lender, but generally lower than conventional loans
STEP-BY-STEP REVERSE MORTGAGE PROCESS
STEP-BY-STEP REVERSE MORTGAGE PROCESS
1. Initial Consultation
Speak with our experts to see if a reverse mortgage is right for you
2. Financial Assessment & Counseling
Required counseling session for borrower education
3. Application & Home Appraisal
Determine eligibility & home value
4. Loan Approval & Fund Disbursement
Choose your payment disbursement options and receive your funds
5. No More Monthly Payments
Live in your home without monthly mortgage payments
1. Initial Consultation
Speak with our experts to see if a reverse mortgage is right for you
2. Financial Assessment & Counseling
Required counseling session for borrower education
3. Application & Home Appraisal
Determine eligibility & home value
4. Loan Approval & Fund Disbursement
Choose your payment disbursement options and receive your funds
5. No More Monthly Payments
Live in your home without monthly mortgage payments
ADVANTAGES OF A REVERSE MORTGAGE
ADVANTAGES OF A REVERSE MORTGAGE
Stay in Your Home – No need to sell or move
No Monthly Mortgage Payments – Improve cash flow
Flexible Payout Options – Lump sum, monthly income, or line of credit
Federally Insured – Protection for homeowners & heir
Non-Recourse Loan – You (or your heirs) will never owe more than your home’s value
Use Funds However You Want – Pay for medical expenses, home renovations, or supplement retirement income
Stay in Your Home – No need to sell or move
No Monthly Mortgage Payments – Improve cash flow
Flexible Payout Options – Lump sum, monthly income, or line of credit
Federally Insured – Protection for homeowners & heir
Non-Recourse Loan – You (or your heirs) will never owe more than your home’s value
Use Funds However You Want – Pay for medical expenses, home renovations, or supplement retirement income
REVERSE MORTGAGE VS. HOME EQUITY LOAN – WHICH IS RIGHT FOR YOU?
REVERSE MORTGAGE VS. HOME EQUITY LOAN – WHICH IS RIGHT FOR YOU?
FEATURE
REVERSE MORTGAGE
HOME EQUITY LOAN
LINE OF CREDIT
EARN INTEREST ON YOUR LOAN
NO EARNED INTEREST
MONTHLY PAYMENTS
NONE REQUIRED
REQUIRED
LOAN PAYMENT
WHEN YOU SELL/MOVE/PASS AWAY
MONTHLY PAYMENTS
INCOME REQUIREMENT
ENOUGH TO COVER PROPERTY EXPENSES
CREDIT & INCOME-BASED
USE OF FUNDS?
ANY PURPOSE
ANY PURPOSE
FEATURE
REVERSE MORTGAGE
HOME EQUITY LOAN
LINE OF CREDIT
EARN INTEREST ON YOUR LOAN
NO EARNED INTEREST
MONTHLY PAYMENTS
NONE REQUIRED
REQUIRED
LOAN PAYMENT
WHEN YOU SELL/MOVE/PASS AWAY
MONTHLY PAYMENTS
INCOME REQUIREMENT
ENOUGH TO COVER PROPERTY EXPENSES
CREDIT & INCOME-BASED
USE OF FUNDS?
ANY PURPOSE
ANY PURPOSE
WHY CHOOSE US FOR YOUR REVERSE MORTGAGE?
WHY CHOOSE US FOR YOUR REVERSE MORTGAGE?
At Trust Lending, we specialize in helping seniors access their home’s equity while maintaining financial freedom. Our team ensures a smooth, transparent process so you can make an informed decision.
• Personalized Loan Guidance – We tailor solutions for your financial needs
• HUD-Approved Counseling – We ensure you fully understand your options
• Fast & Easy Processing – We handle everything, from application to funding
• Trust & Integrity – Over 20 years of mortgage experience
• Secure, Government-Backed Program – FHA-insured for your protection
At Trust Lending, we specialize in helping seniors access their home’s equity while maintaining financial freedom. Our team ensures a smooth, transparent process so you can make an informed decision.
• Personalized Loan Guidance – We tailor solutions for your financial needs
• HUD-Approved Counseling – We ensure you fully understand your options
• Fast & Easy Processing – We handle everything, from application to funding
• Trust & Integrity – Over 20 years of mortgage experience
• Secure, Government-Backed Program – FHA-insured for your protection
LEARN MORE ABOUT REVERSE MORTGAGES
LEARN MORE ABOUT REVERSE MORTGAGES
What Is a Reverse Mortgage?
A Reverse Mortgage allows homeowners 62 and older to convert home equity into cash while continuing to live in their home without making monthly mortgage payments. Instead of making payments to the lender, the lender pays you, and the loan is repaid when the home is sold or the homeowner moves out.
A Brief History of Reverse Mortgages
The Reverse Mortgage program was introduced in 1961 and later expanded under the FHA-backed Home Equity Conversion Mortgage (HECM) program in 1989. Today, it is a trusted financial tool used by seniors to supplement retirement income.
Types of Reverse Mortgages
• HECM (Home Equity Conversion Mortgage) – The most common, government-backed option
• Proprietary Reverse Mortgage – For high-value homes exceeding FHA loan limits
• HECM for Purchase – Use a reverse mortgage to buy a new primary residence with no monthly mortgage payments
What Is a Reverse Mortgage?
A Reverse Mortgage allows homeowners 62 and older to convert home equity into cash while continuing to live in their home without making monthly mortgage payments. Instead of making payments to the lender, the lender pays you, and the loan is repaid when the home is sold or the homeowner moves out.
A Brief History of Reverse Mortgages
The Reverse Mortgage program was introduced in 1961 and later expanded under the FHA-backed Home Equity Conversion Mortgage (HECM) program in 1989. Today, it is a trusted financial tool used by seniors to supplement retirement income.
Types of Reverse Mortgages
• HECM (Home Equity Conversion Mortgage) – The most common, government-backed option
• Proprietary Reverse Mortgage – For high-value homes exceeding FHA loan limits
• HECM for Purchase – Use a reverse mortgage to buy a new primary residence with no monthly mortgage payments
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
NMLS #204041
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Helpful Links
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
Services
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.
Trust Lending General Information
Corporate Office
Trust Mortgage Lending Corporation
8600 NW 36th St Suite 101 Doral, FL, 33166
+1 888 884 1160
info@trustlending.net
NMLS #204041
Tampa Office
Trust Mortgage Lending Corporation
8593 W. Linebaugh Ave
Tampa, FL 33625
+1 888 884 1160
Lic #2253533
Texas Office
Trust Mortgage Lending Corporation
700 Louisiana St
Suite 3950
Houston, TX 77002
+1 888 884 1160
NMLS #1513406
California Office
LG Mortgage Lending Solutions
9350 Willshire Blvd
Suite 203
Beverly Hills, CA 90212
+1 888 884 1160
Lic #41DBO-108370
Colorado Office
Trust Mortgage Lending Corporation
8400 E Prentice Ave
Suite 1500
Greenwood Village, CO 80111
+1 888 884 1160
Oregon Office
Trust Mortgage Lending Corporation
8130 SW Beaverton-Hillsdale Hwy
Portland, OR 97225
+1 888 884 1160
Lic #204041
Services
Conventional Loans
FHA Loans
Reverse Mortgages
VA Loans
Jumbo Loans
Foreign National Loans
Helpful Links
Accessibility Statement
Company Overview
Terms and Conditions
Privacy Policy
NMLS Consumer Access
©2025 Trust Mortgage Lending NMLSR ID 204041
Disclaimer: Trust Lending is not a chartered bank or trust company, or depository institution.
It is not authorized to accept deposits or trust accounts.