No required monthly principal-and-interest payment
Borrowers must still meet loan obligations, including taxes, insurance, property charges, and home maintenance.
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Justin VanNostrandNMLS #2774762 · Arizona
Reverse mortgage options in Arizona
Turn home equity into more financial flexibility.
Arizona homeowners age 55+ can explore whether an available reverse mortgage program may fit their age, home, existing mortgage, and long-term plans—without starting with a sales pitch.
Justin VanNostrandNMLS #2774762 · ArizonaUnderstand the basics
What to know before the numbers.
Programs beginning at age 55
Certain proprietary reverse mortgage programs may be available to eligible homeowners beginning at age 55. FHA-insured HECMs generally require the youngest borrower to be at least 62.
You retain title
The homeowner remains on title while meeting the loan terms. The balance generally becomes due after a maturity event.
Programs available through Justin
Choose the right way to access your equity.
From preserving a low-rate first mortgage to accessing a jumbo loan amount or an FHA-insured option, the right program depends on your age, equity, property, and goals.
FHA HECM
For eligible homeowners age 62+. Available for refinances and purchases with fixed- or adjustable-rate options and a 2026 FHA lending limit of $1,249,125.
HomeSafe Standard
For eligible Arizona homeowners age 55+. A proprietary reverse mortgage for refinances and purchases with program proceeds from $200,000 up to $4 million.
HomeSafe Intro
For eligible Arizona homeowners age 55+. A fixed-rate, lump-sum option designed for first-time reverse borrowers facing short-to-close challenges, from $200,000 up to $4 million.
HomeSafe Select Intro
For eligible Arizona homeowners age 55+. A proprietary line-of-credit option for refinances and purchases considered case by case, from $200,000 up to $4 million.
HomeSafe Second
For eligible Arizona homeowners age 55+. A fixed-rate reverse second mortgage from $50,000 up to $1 million that can leave a qualifying first mortgage in place.
Program information is based on Finance of America’s product comparison revised June 2026. HomeSafe is a proprietary Finance of America reverse mortgage product and is not affiliated with the FHA Home Equity Conversion Mortgage program. Certain HomeSafe products may be available to eligible Arizona homeowners beginning at age 55. No listed program requires scheduled monthly principal-and-interest payments, but borrowers must meet program, financial-assessment, counseling, occupancy, property-charge, and home-maintenance requirements. Interest accrues and the loan balance generally grows over time. Product availability, proceeds, rates, and terms vary.
Interactive estimate
Reverse mortgage fit questionnaire
Answer a few high-level questions to identify the right conversation. This is not an approval or benefit estimate.
Not a loan quote
Conversation snapshot$350,000 equity
Your age selection may align with the HECM age threshold or a HomeSafe option, subject to full eligibility and counseling.
Primary-residence status is a positive starting factor. Available proceeds cannot be estimated from these inputs alone and depend on age, value, rates, program limits, obligations, counseling, and financial assessment.Prepare the conversation
Answer four quick questions.
Your answers stay on your device until you choose to text or email them directly to Justin. Do not enter Social Security numbers, account numbers, or upload documents here.
Ready now? Open the secure application →Common questions
Good questions deserve direct answers.
Do I give up ownership of my home?+
No. You remain on title, but you must meet the loan terms, including property taxes, insurance, applicable charges, and maintenance.
How old do I need to be?+
FHA-insured HECMs require the borrower to be at least 62. Certain HomeSafe programs are available to eligible Arizona homeowners beginning at age 55, subject to program availability and qualification.
Will my heirs inherit the debt?+
A reverse mortgage is generally non-recourse when its requirements are met. Heirs can usually sell, repay, refinance, or allow the lender to resolve the property under program rules.
Choose your next step
Talk first—or go straight to the application.
No matter where you start, your information and questions come directly to Justin.