equityaccess.money
You’ve worked hard for your house, now let your house work for you.
For homeowners 62+ (and families helping a parent). Learn whether a reverse mortgage could fit, then talk with a licensed specialist. Short form. No obligation to apply.
About 1 minute. We’ll call or email you back. This is a contact request — not a loan application. Submitting does not pull credit.
What submitting this form does — and doesn’t do
Credit vs equity: Equity (with age and rates) mainly affects how much you might borrow. Credit history, property-charge history, and residual income affect whether you qualify and whether a set-aside (LESA) may reduce usable proceeds. No single FHA minimum FICO — and no guaranteed approval.
Get my options call
About 1 minute. This is a contact request — not a loan application. No Social Security number, no full date of birth, no credit authorization, and no bank login.
How it works
- Share contact info — name, phone, email (+ optional details).
- We review and confirm a good time to talk.
- A licensed specialist follows up — still no obligation to apply.
This website does not approve or deny loans.
Who it’s for
- Homeowners age 62 or older with meaningful home equity
- Adult children helping a parent explore options
- Households who want to stay in the home and understand equity / cash-flow choices
- Anyone who wants a plain conversation before a lender application
Myths — what a reverse mortgage is / isn’t
| Myth | Reality |
|---|---|
| “It’s free government money.” | It’s a loan secured by your home (HECM is an FHA-insured loan product from approved lenders — not a benefit check). |
| “I never pay anything again.” | You typically skip monthly principal-and-interest, but taxes, insurance, and upkeep usually still apply. |
| “I give up my home / title.” | Eligible borrowers generally remain owners and can stay as primary residents, subject to loan terms. |
| “Credit doesn’t matter.” | There’s no single FHA minimum FICO, but lenders still run a financial assessment. Weak credit or thin residual income can mean a LESA set-aside that reduces cash you can use — not a free pass. |
| “This website will approve me.” | No. We only collect contact information. |
Eligibility basics (HECM-oriented, high level)
- Youngest borrower (or eligible non-borrowing spouse rules, where applicable) generally 62+ for HECM
- Home is typically your primary residence
- Enough equity after paying off required liens
- HUD-approved counseling generally required before a HECM application
- Financial assessment looks at credit/property-charge history and residual income
Exact rules vary by product and lender. Proprietary (non-HECM) products can differ — a specialist will clarify.
Process overview
- Talk with us — short callback from your form
- HUD-approved counseling — required for HECM; get your certificate
- Application with a licensed lender — not on this website
- Appraisal & underwriting — including financial assessment
- Closing — only if you choose to proceed
You can stop at any step.
FAQ
Do I have to sell my home?
No. Reverse mortgages are generally structured so eligible borrowers can remain in the home while accessing equity, subject to loan terms and ongoing obligations (taxes, insurance, upkeep). This site does not promise you cannot lose the home — missing required property charges or other loan obligations can lead to default.
Is there a minimum credit score?
FHA does not publish a single minimum FICO for HECM. Lenders still review credit history, property-charge payment history, and residual income. If those are weak, approval may come with a LESA (set-aside) that reduces usable proceeds so taxes/insurance can be paid. Equity alone does not guarantee approval or a cash amount.
Will this site approve me or pull my credit?
No. Submitting the form is a contact request only — not a loan application and not a credit decision.
Do adult children use this?
Yes. Choose “Adult child helping a parent” on the form so we route the conversation appropriately.
Is the form free?
Yes. Free to submit. No obligation.
Ready to talk?
Contact request only — not a loan application.