Are Reverse Mortgages Safe?

You are either planning for retirement or you are already retired and you have worked hard to pay the mortgage on your home. You may still have a mortgage on your home or you may own your home outright. Regardless, with a reverse mortgage you can leverage the equity that you have earned toward a more secure and comfortable retirement. A federally insured Reverse Mortgage is an important voluntary planning step that will help you unlock that equity by increasing your monthly income or by providing a lump sum of money needed to further secure your retirement plan. A Federally insured HECM Reverse Mortgage provides the following protections:

  • You cannot lose your home under normal circumstances, but please understand foreclosure may occur if you do not pay your taxes and insurance and otherwise comply with the loan terms.
  • You can never owe more than your loan balance or the value of the property (whichever is lower).
  • At time of death, any shortfall upon the sale of the property does not affect your estate or your heirs'.
  • You can be assured that the loan doesn’t come due until you leave the residence, either by moving or upon your death or the death of your spouse, if applicable.

The primary decison of adding a Reverse Mortgage to your retirement plan and the risk associated with this decision all comes down to the proper program and its fit for your individual needs.  Our Reverse Mortgage Specialists we will advise you accordingly by available program based on your needs. Our Loan Officers and independent counseling through a HUD approved agency are here to point out any unnecessary risks so you can avoid them and maximize the advantages of a Reverse Mortgage.

Speak with one of our Reverse Mortgage professionals today and learn how you can make the most of a Reverse Mortgage.  If you're ready to get started on your Reverse Mortgage apply now.

Full service provided by Jefferson Mortgage Group LLC specializing in government insured HECM Reverse Mortgages serving seniors in the states of Virginia, Maryland and Pennsylvania.

Member National Care & Planning Council (NCPC) and National Association of Retirement Counselors (NARC)


Top 5 Things You
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Jefferson Mortgage Group LLC

2536 Leeds Rd.
Oakton, Virginia 22124
FAX: 703-773-6946
NMLS: 935554

Located in Fairfax County, Virginia. Serving all of Virginia, Maryland & Pennsylvania. 


Jefferson Mortgage Group LLC is licensed in Virginia, Maryland & Pennsylvania.
Virginia State Corporation Commission License Number MC-5659 and the Pennsylvania Department of Banking & Securities #46259 
Maryland DLLR License #21586

An Equal Housing Lender

By refinancing the consumer's existing loan, the consumer's total finance charges may be higher over the life of the loan.

This material is not from HUD or FHA and has not been approved by HUD or any government agency.