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Unlock the Equity in Your Home with a Reverse Mortgage

Designed for homeowners 62+, a reverse mortgage lets you stay in your home while accessing the funds you need for retirement.

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No commitment. No fees. Just clarity.

Welcome to Falmouth Financial Group

Founded in 2011, the key to our success has been a combination of consistently offering the lowest possible and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity.

We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes.

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Let us explain

How Reverse Mortgages work in simple terms....

What is a Reverse Mortgage?

A reverse mortgage is a financial tool that allows qualified homeowners to tap into that equity without selling their home or taking on a traditional monthly mortgage payment.

Who can qualify?

62 years or older, live in the home as primary residence, have sufficient equity in the property, and continue to pay taxes, insurances, and maintenance.

How can funds be used?

Reverse mortgages can create a reliable stream of income, helping to cover daily expenses, healthcare costs, or lifestyle needs and even home improvements.

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What are the 3 main types of reverse mortgages?

HECM

The most common reverse mortgage program in the U.S. which offers multiple disbursement options (lump sum, monthly payments, line of credit)

Proprietary / Jumbo

Offered by private lenders, typically designed for homeowners with high-value properties that exceed FHA limits.

Single-Purpose

Offered by state, local, or nonprofit organizations. Designed for specific uses such as home repairs or paying property taxes.

What are the benefits of a Reverse Mortgage?

Supplement Retirement Income

Reverse mortgages may create a reliable stream of income, helping to cover daily expenses, healthcare costs, or lifestyle needs.

Remain in the Home

Borrowers can access home equity without selling the property, allowing them to stay in place.

Flexible Payment Options

Borrowers can choose between a lump sum, monthly installments, or a line of credit that grows over time.

Non-Recourse Protection

Borrowers and heirs are protected from owing more than the home’s market value when the loan is repaid.

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