Senior & Retiree Mortgage Programs
Specialized financing for retirees and seniors. Downsize, relocate, or tap into home equity with programs designed for your needs.
GET PRE-APPROVEDKey Benefits of Senior & Retiree Mortgage Programs
Retirement Income Accepted
Social Security, pensions, 401k
Asset-Based Qualification
Use assets instead of income
Reverse Mortgage Options
HECM and jumbo reverse
No Age Discrimination
Equal opportunity lending
Flexible Documentation
Simplified for retirees
Estate Planning Friendly
Work with your advisors
Frequently Asked Questions
Can I qualify with just Social Security?
Yes! Social Security, pensions, and retirement account distributions all count as qualifying income.
What if I have assets but low income?
Asset depletion loans allow you to qualify based on your investment accounts, even with minimal monthly income.
Should I consider a reverse mortgage?
Reverse mortgages work well if you're 62+, plan to stay long-term, and want to eliminate mortgage payments. We'll help you compare options.
Will my age affect my rate?
No. Federal law prohibits age discrimination in lending. Your rate is based on credit, down payment, and loan type - not your age.
Ready to Get Started?
Get pre-approved and discover your financing options today.