Your equity, working for your retirement.
If you’re 62 or older, a reverse mortgage lets you access your home’s equity with no required monthly mortgage payment — while you keep living in your home.
Stay in your home
Keep the title and live in your home — you remain the owner.
No required monthly payment
You’re not required to make monthly mortgage payments*; the loan is repaid when you leave the home.
Flexible payouts
Take funds as a lump sum, monthly payments, a line of credit, or a combination.
“It gave us breathing room in retirement without having to sell the home we love. They explained every detail patiently.”
Check Your Eligibility
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Licensing varies by state.
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What is a reverse mortgage?
A reverse mortgage lets homeowners 62 and older convert part of their home equity into cash with no required monthly mortgage payment — you repay the loan when you sell, move, or pass away, while continuing to own and live in your home. Pacific Lending offers reverse mortgages for eligible homeowners.
Built for homeowners 62+
Real advantages tailored to your situation.
Stay in your home
Keep the title and live in your home — you remain the owner.
No required monthly payment
You’re not required to make monthly mortgage payments*; the loan is repaid when you leave the home.
Flexible payouts
Take funds as a lump sum, monthly payments, a line of credit, or a combination.
FHA-insured options
HECM reverse mortgages are FHA-insured, with required independent counseling to protect you.
How it works
Three simple steps from question to keys.
- 1
Tell us about your home
A few quick questions about your age, home value, and goals.
- 2
Verify & talk it through
Confirm your number and a specialist explains your options — no pressure.
- 3
Get your options
Receive clear reverse-mortgage options tailored to your retirement goals.
Frequently asked questions
Do I still own my home?
Yes. With a reverse mortgage you keep the title and remain the homeowner. You’re responsible for property taxes, insurance, and maintenance, and for keeping it as your primary residence.
Do I have to make monthly payments?
You are not required to make monthly mortgage payments. The loan balance (plus interest and fees) is repaid when the last borrower permanently leaves the home — typically from the sale of the home.
Who qualifies?
Generally homeowners age 62 or older with significant equity in a home they occupy as their primary residence. HECM programs require independent HUD-approved counseling.
Will my heirs be responsible?
HECM reverse mortgages are non-recourse: neither you nor your heirs owe more than the home’s value at repayment. Your heirs can repay the balance to keep the home or sell it.
Is the money taxable?
Reverse mortgage proceeds are generally not considered taxable income, but everyone’s situation differs — consult a tax advisor. (*Not tax advice.)