Unlock equity from your primary residence at age 62+. FHA-insured, federally regulated, and designed to protect you and your heirs.
"The HECM is one of the most consumer-protected loan products in the American mortgage market."
— Doug Dixon
Maximum home value considered for HECM
Youngest borrower must be at least 62
You keep full title to your home
We review your home value, equity, age, and goals to determine eligibility and potential proceeds.
Required by FHA: an independent counselor reviews the loan with you and your family.
Choose lump sum, monthly payments, line of credit, or a combination that fits your plan.
FHA insurance guarantees the lender honors the loan even if the institution changes.
"The line of credit option is the most powerful feature most people don't know about. It grows — untouched — at the loan's interest rate."
A HECM line of credit doesn't just give you access to cash — it grows over time. The unused portion increases at the same rate as the loan's interest, meaning the longer you wait to draw, the more available to you.
This makes the HECM LOC a powerful hedge against sequence-of-returns risk in retirement. When your portfolio dips, draw from the line. When markets recover, replenish. Your home equity becomes a dynamic part of your retirement architecture.
The HECM line of credit cannot be frozen or reduced by the lender — unlike a traditional HELOC, which can be suspended if home values fall.