Borrow with Assurance.
Reverse Mortgage Options.
Steps to a Reverse Mortgage.
  A HECM loan can be a smart, secure, financial option for seniors to gain access to tax-free funds.
  Receive funds in a lump sum, regular monthly payment, credit line, or a combination.
  There are six steps to a reverse mortgage and a GEM adviser will guide you through the process.

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What is a Reverse Mortgage?
FHA insured "Home Equity Conversion Mortgages" (HECMs) are a safe, secure loan that lets you access your home's equity to get cash for your retirement funding needs. The amount you receive is based on current interest rates, the age of the youngest borrower and the lesser of the appraised value of your home, sale price or the maximum lending limit. In general, the older you are, the lower your mortgage loan balance and the more equity you have in your home, the more money you can expect from a reverse mortgage loan. The youngest borrower must be 62 years or older.

We had heard a lot of misinformation about a Reverse Mortgage. Then a good friend and financial professional at Golden Equity Mortgage provided us with a more educated view of the whole concept, and we realized this was the path for us. We chose to use the Reverse Mortgage as a financial planning and lifestyle tool, and these were the results. We eliminated our mortgage payment (for the rest of our lives). We still own and enjoy the comfort of our home. We were able to retain our savings. We could use the extra money to provide financial security, to travel, and to enjoy our “golden years”.

We were not in any way in "need", but the choice to go with a Reverse Mortgage and lose the big monthly payment has been an absolute blessing. The included Line of Credit is like a savings account on steroids. It was one of the best decisions we ever made. We have peace of mind about our future. We are carefree. We have the ability to do anything we want. Thank you Golden Equity!

- Tom and Shirley
The Golden Equity web site has not been approved or endorsed by
FHA or any other government agency.



How Much Do I Qualify For?
For Questions or Help
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Reverse mortgage calculation provided
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Land Home Financial Services, Inc. is an Equal Housing Opportunity Lender . The rates, loan programs, fees, options and guidelines in any loan scenario shown: (i) are for illustrative purposes only; (ii) are subject to change without notice; (iii) are subject to restrictions; (iv) will not apply to all borrowers or situations; and (v) do not represent a commitment to lend. Contact a Mortgage Loan Originator for details. Land Home operates only in states where it is authorized to conduct business. Branch location: 1355 Willow Way, Suite 250, Concord, CA 94520. NMLS #1796. To view states licenses go to NMLS Consumer Access or click here.

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.