Lineage Lending Reverse Mortgages | San Diego Reverse Mortgage (619) 294-9820
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You've worked your entire life for the equity you have in your home. Isn't it time your home worked for you?
​Learn how home equity could be used to improve your cash flow, set up a rainy-day fund and preserve your nest egg.
​Discover Today's Reverse Mortgage
with new Safeguards and Protections
Local · Knowledgeable · Personalized Service
San Diego's Reverse Mortgage Specialist
An innovative way to access home equity that has helped over a million people in retirement.
There’s more than one way to borrow against your home equity to access needed retirement funds. A Reverse Mortgage Line of Credit can offer homeowners age 62 and older some significant advantages. Unlike a traditional Home Equity Line of Credit (HELOC), there are no required monthly mortgage payments. (As with any home-secured debt, you remain responsible for property taxes, homeowners insurance, and property maintenance.) As long as you meet your loan obligations, the lender can’t cancel your credit line; and it doesn’t have to be repaid until you sell the home or it’s no longer your primary residence. And with a Reverse Mortgage Line of Credit, the less you take out up front, the more you’ll be able to borrow later—because the unused amount grows over time.
In-home appointments available in all of San Diego County.
Whether you are planning on retiring soon or have already started retirement, take a moment to think about how you envision your retirement lifestyle. Even if you have planned, saved and invested carefully, you may have fewer funds than you had expected to meet your goals. Now is the time to consider all of your financial options and make the right decisions for your future.
Receive the personalized service you deserve.
Work directly one-on-one with a local San Diego based reverse mortgage specialist who will listen to your needs and concerns, answer all your questions and help guide you, your adult children and loved ones through the entire loan process. Request your personal evaluation to discover what you qualify for. In-home appointments available.
A Home Equity Conversion Mortgage (HECM)—commonly known as a reverse mortgage—is a government-insured loan option for people age 62 and older that allows you to tap into the equity you’ve already built in your home. It provides funds to help pay for the things you want or need, while you continue to live in and own your home.
Unlike conventional mortgage or home equity loans, there are no monthly mortgage payments. (However, in order for the loan to remain in good standing, you must continue to pay property taxes and homeowners insurance, and keep the home in good repair.) The loan must be repaid when you sell the home or no longer live there as your primary residence.
Please consult us for full details regarding borrower obligations and whether a reverse mortgage is right for you.
NO Monthly Mortgage Payments Required on this Loan Choice*
• Eliminates your existing monthly mortgage payments*
• You can stay in your home and maintain the title
• Loan proceeds are tax-free and can be used any way you choose**
• Heirs inherit any remaining equity after paying off the HECM loan
• The HECM (reverse mortgage) loan is FHA insured
* You must still live in the home as your primary residence, continue to pay required property taxes, homeowners insurance, and maintain the home according to FHA requirements.
** Consult your financial advisor and appropriate government agencies for any effect on taxes or government benefits.
Your Local San Diego Source for Reverse Mortgages
For a personal evaluation – call today!
As of October 2019, only 147 individuals in the entire United States hold the designation of CRMP.
A reverse mortgage is a home loan that lets homeowners convert a portion of the equity in their home into cash. The equity built up over years of mortgage payments can be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence.
To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance
that can be paid off at the closing with proceeds from the reverse loan; and must live in the home.
The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.
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