✓ No FHA Approval Required
✓ Line of Credit Never Expires
✓ Available at Age 55
✓ Loans Up to $4 Million
You signed a home equity investment and now the costs are more than you expected. A proprietary reverse mortgage may provide the funds to pay off the entire balance and end the appreciation sharing. Available for Florida primary residences. Age 55+. No monthly mortgage payments*.
Call (727) 244-7076 NowNo obligation · No pressure · Free analysis
You're watching your home appreciate. But so is the HEI company. Every dollar of value goes to them. The exit costs keep climbing. You want out but don't know how.
A reverse mortgage provides funds to pay off the HEI balance in full. This ends your appreciation sharing obligation and lets you keep 100% of your home's future growth.
A proprietary reverse mortgage may provide the funds you need to pay off your home equity investment in full. The funds go directly to the HEI company, ending their claim on your future appreciation. You keep the house and its full future growth.
No monthly mortgage payments. Age 55+. Available for Florida primary residences only.
* Borrowers remain responsible for property taxes, homeowners insurance, and HOA dues.
Funds go directly to satisfy the HEI company's claim. Once paid, they have no further right to your home's appreciation. You own 100% of your home and its future growth.
Unlike a traditional refinance, a reverse mortgage has no monthly payment requirement. You only need to keep current on property taxes, insurance, and HOA dues to remain in compliance.
Our proprietary reverse mortgage is available to Florida homeowners starting at age 55. The FHA program requires age 62. If you're stuck in an HEI, we may be able to help today.
Your reverse mortgage line of credit has no expiration. Access funds anytime you need them, with no time limit. The line grows in value every year, whether you draw or not.
Real reviews from Florida homeowners who trusted us with their reverse mortgage.
Can a reverse mortgage pay off my home equity investment?
Yes. A reverse mortgage may provide funds to pay off your HEI balance in full. The funds are distributed to the HEI company, ending their appreciation claim. You remain responsible for property taxes, insurance, and HOA dues.
What is the minimum age?
Our proprietary reverse mortgage is available to Florida homeowners starting at age 55. Subject to property and borrower approval.
Is this for investment properties?
No. Our reverse mortgage is available for primary residences only. Your home must be your principal place of residence in Florida.
What happens to the appreciation share when I pay off the HEI?
When you use reverse mortgage proceeds to pay off the home equity investment company in full, the appreciation sharing obligation ends according to your agreement terms. You retain 100 percent of any future appreciation on your home going forward. The exact payoff amount depends on your specific contract, how much your home has appreciated, and how long you have held the agreement. Contact us for a free analysis of your situation.
How do I get started?
Call us at (727) 244-7076 or fill out the form below. We will review your situation and prepare a free loan comparison showing whether a reverse mortgage may help you exit your home equity agreement. No paperwork and no obligation of any kind.
Talk to a real broker. No paperwork. No credit check. No pressure. Just an honest conversation about whether a reverse mortgage can help you escape your home equity agreement.
Sunshine State Home Loans · Licensed in Florida · Serving Florida homeowners statewide
Fill out the short form below and we will prepare your free loan analysis and reach out within one business day. No paperwork. No commitment. No obligation of any kind.
Please note: Borrowers are always responsible for the payment of property taxes, homeowners insurance, HOA dues, and any special assessments. Failure to meet these obligations may result in the loan becoming due and payable. This is not a commitment to lend. All loans are subject to credit and property approval.
This website is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to eligibility requirements, terms, and conditions. All loans are subject to credit and property approval. This material is not a commitment to lend. A reverse mortgage may provide funds to pay off your home equity investment balance subject to underwriting approval. Sunshine State Home Loans is a licensed Florida mortgage broker, not a lender. Results vary based on individual circumstances. For complete program details, please contact us directly at (727) 244-7076.