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"excerpt":" Mutual of Omaha Reverse Mortgage | America's #1 Reverse Mortgage Lender Skip to content Reviews Products HECM Reverse Mortgage HECM for Purchase SecureEquity Refinance About Us Articles Open search modal Search Icon Get Started Reviews Products HECM Reverse Mortgage HECM for Purchase SecureEquity Refinance About Us Articles Get Started Search Search Icon Filter by topic Reverse Mortgages Apply filters Close Search Icon --> America's #1 Choice For Reverse Mortgages Get Your Free Guide Explore Your Reverse Mortgage Options Access More of Your Home’s Equity – Get the Answers You Need What is a Reverse Mortgage? A reverse mortgage is a loan that allows you to convert home equity into cash with no monthly payments*. Learn more How Do You Get Your Funds? After closing, you can receive the funds as a lump sum, monthly payments, a line of credit, or a mix of these options. Learn more Reverse Mortgage FAQ Our FAQ covers the essentials; from eligibility to how the loan works and your repayment options, we provide everything you need to make an informed decision with confidence. Learn more How do You Qualify? You must be 62 or older, live in the home as your primary residence, have sufficient equity, and complete HUD-approved counseling. Learn more Read Our Reviews Mutual of Omaha holds an A+ rating from the Better Business Bureau, with over 100 years of experience. See our recent reviews. Learn more How to Get Started Getting started is easy. Our team will guide you every step of the way so you can move forward with confidence. Learn more Reverse Mortgage Safeguards Learn more about the safeguards built into every FHA-insured reverse mortgage to protect your home, your finances, and your peace of mind. Learn more 4.1 out of 5 based on 161 reviews What is a Reverse Mortgage? A reverse mortgage is a specialized home loan designed for homeowners aged 62 and older that allows you to convert part of your home’s equity into cash without selling your home or making monthly mortgage payments*. Unlike a traditional mortgage where you pay the lender, a reverse mortgage pays you. The funds can be received as a lump sum, monthly payments, a line of credit, or a combination of these options. *Borrower must occupy home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees. You Still Own Your Home You remain the owner of your home and must continue paying property taxes, homeowners’ insurance, and maintenance costs. Government-Backed Consumer Protections The loan is insured by the Federal Housing Administration (FHA), which includes consumer protections such as limits on fees, mandatory counseling, and safeguards for non-borrowing spouses. Loan Repayment Happens Later The loan balance becomes due when you sell the home, move out permanently, or pass away. At that point, the home is usually sold to repay the loan, and any remaining equity goes to you or your heirs. How to Qualify? To qualify for a reverse mortgage, you must meet a few key requirements: 1 Age You must be at least 62 years old. 2 Primary Residence The home must be your primary residence. 3 Home Equity You need sufficient equity in your home, typically 50% or more. 4 Property Type Eligible properties include single-family homes, FHA-approved condos, and certain manufactured homes. 5 Financial Assessment You must demonstrate the ability to pay ongoing costs like property taxes, homeowners insurance, and maintenance. 6 HUD Counseling Completing a HUD-approved counseling session is mandatory before applying. Meeting these criteria ensures you can access the benefits of a reverse mortgage while maintaining compliance with federal guidelines. Get Started What’s the Process? 1 Check Eligibility We begin with a brief review of your age, home type, and available equity to determine if a reverse mortgage is a suitable option for you. 2 Complete the Counseling Session A required session with an independent, third-party counselor explains your options, protections, responsibilities, and safeguards – at no cost to you. 3 Submit Your Application Your reverse mortgage advisor walks you through the application, explains how much you may qualify for, and answers all of your questions. 4 Appraisal & Underwriting Your home is appraised, and your application is carefully reviewed to ensure everything meets program guidelines before final approval. 5 Loan Closing You sign the final documents and confirm how you’d like to receive your funds. 6 Receive Your Funds You sign the final documents and confirm your payout preferences, with funds available three days after closing. Reverse Mortgage Disbursement Options Lump Sum Receive all your available funds at once—ideal for large expenses or paying off an existing mortgage. Monthly Disbursements Choose fixed monthly payments for a set period or for as long as you live in your home, providing steady income. Line of Credit Access funds as neede",
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