Reverse Mortgage

Reverse mortgage

A reverse mortgage is a type of loan available to homeowners who are typically 62 years or older, allowing them to convert a portion of their home equity into cash without needing to sell the home or make monthly mortgage payments. It's primarily designed for seniors to help cover living expenses, medical bills, or other financial needs in retirement.

HECM – Fixed

There are two types of Home Equity Conversion Mortgage (HECM) loans. With the HECM fixed loan you maintain the same interest rate over the life of the loan. You can make payments anytime and in any frequency to reduce your HECM loan balance.

HECM – Adjustable

With the HECM adjustable rate loan, the rate is adjusted monthly or annually over the life of the loan. The HECM is a non-resource loan. This means that no assets other than the home may be used to repay the debt.

HECM – For Purchase

The HECM for Purchase can help homeowners buy their next home without monthly mortgage payments. This loan enables borrowers to use the equity from the sale of a previous residence to buy their next primary home in one transaction with one initial investment.

HECM – Fixed

There are two types of Home Equity Conversion Mortgage (HECM) loans. With the HECM fixed loan you maintain the same interest rate over the life of the loan. You can make payments anytime and in any frequency to reduce your HECM loan balance.

HECM – Adjustable

With the HECM adjustable rate loan, the rate is adjusted monthly or annually over the life of the loan. The HECM is a non-resource loan. This means that no assets other than the home may be used to repay the debt.

HECM – For Purchase

The HECM for Purchase can help homeowners buy their next home without monthly mortgage payments. This loan enables borrowers to use the equity from the sale of a previous residence to buy their next primary home in one transaction with one initial investment.


Unlock your home's equity—contact us today for a reverse mortgage!

  • Access to cash

  • Preserves ownership

  • Flexible Payment options

  • Retirement income Supplement

  • No Monthly Mortgage Payments

  • No Credit or Income Requirements

  • Protection against falling home values

Capitol Direct Lending

©Copyright . CAPITOL DIRECT LENDING.

All Rights Reserved.

NMLS #1140264 DRE #01947982

About Us

Capitol Direct Lending

©Copyright . CAPITOL DIRECT LENDING.

All Rights Reserved.

NMLS #1140264 BRE #01947982