What Is Proprietary Reverse Mortgage

What Is a Proprietary Reverse Mortgage?

Unlike a federally insured HECM, a proprietary reverse mortgage is offered by private lenders. Often called “jumbo reverse mortgages,” they’re designed specifically for homeowners with higher-value properties who want access to more of their equity.

How Can a Proprietary Reverse Mortgage Help You?

Access More Equity – Unlock more funds than what’s available through a HECM.
No Mortgage Insurance Premiums – Save money by avoiding government insurance costs.
Flexible Eligibility – Available to homeowners starting at age 55, with expanded property value limits.
Custom Options – Tailored solutions for unique financial goals, whether that’s preserving wealth, upgrading your lifestyle, or creating a stronger safety net.

Common Misconceptions About Proprietary Reverse Mortgages

“They’re riskier than HECMs.” – Not necessarily. While not FHA-insured, proprietary products are backed by reputable private lenders and come with built-in safeguards.
“They’re only for luxury homes.” – While often used for higher-value homes, they can be a smart solution for anyone whose property value exceeds FHA limits.
“They’re complicated to understand.” – That’s where we come in — to break it down clearly, step by step.

Why Choose My Reverse Options?

When it comes to proprietary loans, the choices can feel overwhelming. That’s why we focus on:

Clarity – Explaining differences between HECMs and proprietary options in plain language.
Personalized Guidance – We help you decide which option best fits your unique goals.
Trustworthy Advice – We evaluate every choice as if it were for our own family.

Risks of Inaction

Without exploring proprietary reverse mortgage options, you may:

Miss out on larger payouts that could improve your retirement lifestyle.
Remain limited by FHA lending caps.
Overlook flexible solutions that may better suit your needs.

Discover What’s Right for You

A proprietary reverse mortgage isn’t for everyone — but it might be exactly what you need. Our job is to help you explore the full picture and decide with confidence.

📞 Call us today at (877) 611-6226 to learn more about proprietary reverse mortgages and how they could benefit your retirement plan.