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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

very helpful and friendly.
Scott is Very very helpful and friendly. He worked with me to prepared all the appropriate documentation that I needed and guided me through process. I can’t thank him enough with my home buying journey. Thank you again!

zamil69ny

Borrower from New York, NY
Fast, secure and reliable lender. Ozzie's team took care of my mortgage process from day 1 until closing.
Fast, secure and reliable lender. Ozzie’s team took care of my mortgage process from day 1 until closing. I would recommend this lender to anyone. Ozzie’s team were on top on all needs to close fast and with the best interest rate in the market.

ateodosio18

Borrower from Newark, NJ
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
Paul Brown
Mr. Rabinowitz was very professional, courteous and knowledgeable when it came to securing our mortgage. His team made our first time home buying experience a delight and easy. Moreover, his rates are the best in todays market!!! Very highly recommended and will be a returning client for future financial endeavors.

Paul Brown

We love Scott
Scott helped us with our first house 8 years ago, he helped us with our refi and then he helped us on our second house. Quite literally, you couldn’t ask for a better bank. Everything was always explained in detail, and he helped move the process along as quickly as possible. Communication was always clear...
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marshalleshuster6

Borrower from Fleischmanns, NY
Great team!
Ozzie and crew were fantastic to deal with. So efficient and pleasurable to deal with. Amazing Ozzie even re-locked our rate when the rates fell one day!

tgold18

Borrower from Jackson, NJ
Best Mortgage Broker in New York!
I can’t say enough great things about my experience with Scott Mantel! He is incredibly knowledgable on the lending process and was able to walk me through all of my mortgage options before moving forward so that I could make informed decisions. In the end, we decided to move forward with a refinance product that...
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user223995

Borrower from Brooklyn, NY
Great to work with - organized, transparent, efficient
Scott was amazing to work with when refinancing our mortgage. He knew how to communicate with us throughout the process and made sure we knew what was going on every step of the way. His responsiveness and expertise is extremely impressive as well. Please consider Scott for your mortgage, refinance, or other home loan needs.

Elvin Migirov

Borrower from Staten Island, NY
Excellent Service
At all times the folks were cheerful, helpful, courteous, friendly, and most important knowledgable. The process was a breeze thanks to the professionalism.

Chet Chaffee

Borrower from Mountain View, CA
Excellent service
I could not have gotten better service. Everything was clearly explained and carried out with such efficiency. Would not ask for anything different next time around.

nechama birnbaum50

Borrower from Lakewood, NJ

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.