Reverse Mortgage

How Dream Retirements Come True

The government-insured Reverse Mortgage program allows senior homeowners, at least 62 years old, to utilize the equity in their homes to receive tax-free advances to spend freely.

Is a Reverse Mortgage Loan Right For You?

A reverse mortgage loan is an easy way for homeowners, 62 years of age or older to access the equity in their home (primary residence only). There are no income, credit or asset requirements, nor are there any regular monthly payments. You always retain the deed and all rights of home ownership and are free to refinance, payoff or sell the home at any time. You live in the home for as long as you choose to live there and the bank never “owns” the home. Eligible homes include 1,2,3,4 family properties and HUD approved condominiums.

Reverse mortgage loans are ideal for homeowners who are retired or no longer working and need to supplement their income. You can get the money in a lump sum, fixed monthly payments, a line of credit or a combination of these options. The money is tax free and may be used in any way you wish; to pay current bills, meet future financial obligations or simply enhance your lifestyle. Your lender cannot take the property away if you outlive your loan or can you be forced to sell your home to pay off your loan, even if the loan balance grows to exceed property value.

Downsizing to a new home? A reverse mortgage loan can also be used to purchase a home. Assets would need to be verified, but with as little as 40% down, you can purchase a new home and never have a monthly payment for the remaining amount owed. Cash from the sale of your first home can then be set aside, increasing your monthly cash flow .

Please Call (888) 624-1414 To Speak With an Interstate Mortgage Loan Specialist Today!

Free Mortgage Loan Consultation

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Angel Muniz is the gold standard of lenders.

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Look no further than Angel Muniz if you're searching for a mortgage consultant who is not only knowledgeable but will take the time address all your concerns and questions. My realtor, Linda Rodriguez, recommended Angel Muniz. I was very impressed with his approach. He was very personable and thoroughly explained the entire loan process so I knew what to expect. Anytime I needed to reach him, all I had to do was call, email or text and Angel will get back to me as soon as possible if he is unavailable at the moment. Angel also makes sure to follow up with me to see if I had any needs or questions. Communication is key! With Angel, it feels like talking to a friend rather than a random agent who looks at me just like another number. Towards the end of my loan process, I secured a home insurance policy on my own only to find out Angel already took care of that tedious detail with a lower price! Now that is service. Angel is always in the background working to ensure the loan process goes smoothly. I highly recommend Angel Muniz for any home loan needs.

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Angel helped my family with everything. He speaks English and Spanish . He explained everything in both languages. Excellent service and kind people .

zuser201607011221173 from NY
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Mario is an excellent loan officer

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My husband and I just purchased a house and Mario helped us so much true the whole process we are ver thankful to him for being so honest to us always being there to answer all our questions and concerns. We highly recommended him he will help you the best way on purchasing your home.

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As a real estate agent and attorney, there is no one else I refer clients, friends, or family to and I just used Greg for my own home purchase. He is knowledgeable, approachable, kind, and goes above and beyond for all his clients. He makes you feel like you are family and that he has all the time in the world to help you. Greg is exceptional and extremely professional. There is no one else to use!

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Greg is INCREDIBLE!!!! Cannot recommend Greg enough, I will be sending all my friends and family to him! He is attentive, timely, responsible, willing to answer questions or concerns at ANY time with a quick response! We are first time home buyers and Greg has made this processes a pleasant one! We had our mind at ease because we knew we were in good hands with Greg and his team. I cannot say enough good things or thank them enough for everything they have done for us! We are so thankful we were able to get our first home because of Greg!!! Thank you!

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