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Retirement is just the beginning.

Embrace the power of your home equity to make the most of the years ahead. You’ve worked hard as a homeowner–it’s time to allow your home to work for you. We are committed to helping you find the financial security you deserve.

EquityPower

  • Loans up to $4 million
  • Minimum age of 55
  • Flexible loan options
  • Lump sum payments
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Reverse Mortgage

  • EquityPower Reverse Mortgage
  • Home Equity Conversion Mortgage
  • Reverse for Purchase
  • Reverse Mortgage Refinance
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Reverse Mortgage Refinance

  • HECM to HECM
  • HECM to EquityPower
  • Proprietary to EquityPower
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WHAT IS A REVERSE MORTGAGE?

Reverse mortgages offer unique features and benefits that aren’t available with traditional home loans. One incredible advantage of this product is the ability to eliminate your monthly mortgage payment. You only need to comply with the loan’s terms and pay your other payment obligations such as property taxes, homeowners insurance and maintenance.* This allows you to retain full ownership of your home and still have financial flexibility in your retirement.

Reverse mortgages also allow you to turn your home equity into tax free 1 cash. This cash can be used however you wish and does not need to be repaid for as long as you live in your home. Read more about home equity funds here.

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Benefits of accessing home equity funds

What can you do with your home equity?

Pay off bills

If you have credit card debt or medical bills, you can use your home equity funds to clear those debts.

Buy a vacation home

Use the tax-free¹ cash from your reverse mortgage to invest in a condo on the beach or a cabin in the woods.

Home improvements

Remodel your kitchen, build a garage, or modify your home to help you age in place. You deserve your dream home.

Start a small business

Retirement is your time to do what you love. Why not turn your hobby into a small business? Your equity funds can help you get started.

What Our Clients Say

Excellent experience
As a first time home owner Andre re-insured me throughout the closing process making sure everything went smoothly and stress free. He was very thorough and professional during the process explaining step by step what to expect. It was a pleasure working with him and I am very satisfied with choosing Andre Giambona for my...
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brittany

Borrower from Mount Arlington, NJ
Ozzie Rabinowitz
Ozzie and his team were introduced to us by our Financial Advisor – he came highly recommended. My wife and I are completely satisfied with Ozzie and co. and they work that they did for us – they were very organized and thorough. We were new to the process and Ozzie was very attentive and...
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Mariko & Brian Migue

Borrower from Union, NJ
An extremely helpful lender
Ozzie and his team where very helpful and informative throughout the process from n pre-approval to closing and even beyond… He prepared us before every step of the process and for every complicated situation he did the work required to get it done smoothly, without hesitation! Since my closing I have even recommended Ozzie to...
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aronmek

Borrower from New York, NY
Highly recommend
Scott was effective and efficient in the real estate industry. I recommend Scott to my friends and family. Im hoping we will be doing business again. Scott was constantly updating me every step in this process and took the time to explain all the things i didn’t understand.

roguetorch

Borrower from New York, NY
Borrower
I want to sincerely thank you for all your hard work on my reverse mortgage. Your professionalism was beyond my expectations. More important, I am ever grateful to you for your kindness and understanding of my situation. Unfortunately, after the loss of my job I needed to deal with many creditors who lacked compassion and...
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Maryanne D.

An advocate who puts client wellbeing ahead of personal profit
This is the third mortgage that Scott has managed for me (one original and two refi’s.) Scott’s is consistently thoughtful, explains everything clearly, exercises good judgement and provides everything that I need so that I can make a fully informed decision.

igranick

Borrower from New York, NY
#1 RECOMMENDED MORTGAGE LENDER!!
I had the opportunity to have Ozzie Rabinowitz handle the mortgage aspect of my home purchase. He is a respectful, very knowledgeable individual that treats your questions and concerns like his own. He extended countless hours and advice beyond what is expected of a lender in the most patient and dignified manner. He is well...
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nettie72

Borrower from Lakewood, NJ
Amazing
Scott is heaven sent. He was patient and understanding, holding my hand step by step through the process of buying our very first house. He answered every question and concern and simplified the entire process. My family and I are so grateful, thanks to Scott we are living in our dream home.

sherrib87

Borrower from New York, NY
Ozzie Rabinowitz
Ozzie and his team were a real pleasure to work with! Their thorough knowledge and patience made the process that much smoother and easier. They were always available for us and were a real support throughout! Thank you Ozzie for such a positive experience!

scoriat

Borrower from Philadelphia, PA
Borrower
Bobby, I cannot thank you enough for helping me through this [reverse mortgage] process. You really went above and beyond to help me out and I appreciate it more than words can say. I can’t believe I’m finally able to pay all of my medical bills off and fix up the house! I’m so happy...
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Maria G.

How can we help?

We are looking forward to speaking with you.
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Disclosures
The minimum age is 62 in some states.
¹Please consult a tax advisor.
* Borrowers must follow the loan’s terms and continue to pay property taxes, homeowners insurance and maintenance, otherwise the loan will become due and payable and may lead to foreclosure. There are closing costs associated with a refinance. These charges can be financed into the loan or paid at closing. Contact us to speak with a loan specialist for more information.