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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

Strongly recommend!!
Ozzie helped us with our refinancing and I cannot recommend Ozzie and his team enough. They were so easy to work with, quick to respond and very professional. Ozzie helped us everyday and was quick to respond to us about all our questions and problems. I’m truly grateful I had the opportunity to work with...
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Jay Thakuri

Borrower from Jersey City, NJ
Top notch!
Thank you so much Scott from start to finish with an outstanding job! We couldn’t have asked for a better experience! We highly recommend Scott and his team for all your mortgage needs!

zuser201504261550016

Borrower from Oceanside, NY
Excellent experience
Andre went above and beyond to ensure the process went smoothly and quickly. He was very diligent in all aspects of handling our loan. He patiently explained each step whenever we didn’t understand (and at times also explained processes that didn’t even pertain to our mortgage) and hand held us from start to end. I...
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James Scott

Borrower from Montclair, NJ
THE BEST!!!
Ozzie has now closed 2 refinances for me and never was there even the slightest hick-up. From the initial phone call to discuss whether or not to refinance, Ozzie’s honesty and knowledge always had me believing my decision was correct. I have recommended his to family and friends who have all used him. He and...
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Joe A.

Borrower from Old Bridge, NJ
Excellent in every regard
Scott was honest, diligent, and very helpful. His advice was spot on and was always on top of his game. He found the optimal solution for our needs, which came in as much less costly than all the other alternatives we considered. Lastly, he stuck with us thru an 8 month period where we were...
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Mike

Borrower from New York, NY
Highly Recommend
From the very beginning to closing, Scott was very responsive and patient all the way. Always worked, sometimes on the weekends, sometimes in the middle of the night! Not only did he give us the best rate, he was also able to close on time as promised. It was not an easy process getting a...
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Gene Pyo

Borrower from New York, NY
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
He was skillful in putting together our complicated mortgage, calm during the tumultuous ...
Of the numerous people involved on both sides of our Brooklyn real estate transaction, Scott was the only one who seemed to have our best interest at heart. He was skillful in putting together our complicated mortgage, calm during the tumultuous months as the deal teetered off of several legal cliffs and in the end...
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rwbean4

Borrower from New York, NY
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
Great
Ozzie and his staff are extremely knowledgeable and efficient. They saw the entire process through flawlessly. A real pleasure to work with. I would highly recommend them.

Shimon Falik

Borrower from Brick, 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.