When your home is worth more than the FHA limit — or you're younger than 62 — a proprietary reverse mortgage may unlock significantly more equity.
Built for higher-value homes
If your home is worth more than the FHA lending limit, a conventional HECM may leave significant equity off the table. Proprietary products are designed for exactly this situation.
Some programs available at 55
For qualifying high-value homes
No required monthly payment
No mortgage insurance premium
+Access equity beyond FHA limits
+Available at age 55 in some programs
+No mortgage insurance premium
+Higher loan-to-value potential on premium homes
!No FHA non-recourse guarantee (lender-specific terms)
!Fewer product options and lenders
!Terms vary significantly — requires careful comparison
!May not offer line of credit growth feature
A standard HECM may leave significant equity inaccessible. Let's compare both options side-by-side for your specific home value and goals.