Your home paid for retirement. Now let it help fund it.
HomeSafe is a private reverse mortgage for homeowners 55 and older. Turn equity into cash flow with no required monthly payment on the reverse loan — and proceeds up to $4 million on higher-value homes.
How HomeSafe works
1. You apply once
One application, one credit review. We price HomeSafe against the other eleven programs at the same time — including the HECM — so you can see whether a private reverse mortgage is the right shape.
2. Your equity becomes available funds
Based on your age, your home's value, and eligibility, you receive proceeds as a lump sum. HomeSafe Standard goes up to $4 million — well beyond what FHA-insured programs allow.
3. No required monthly payment
While you meet the loan obligations — living in the home, maintaining it, and paying taxes and insurance — no monthly payment is required on the reverse loan. The balance grows over time instead.
4. Repayment happens later, on defined terms
The loan comes due when the terms trigger it — typically when the home is sold or is no longer your primary residence. You or your heirs never owe more than the home is worth at that time.
Key terms
Homeowners 55+ in Arizona exploring retirement cash flow, especially with higher-value homes. HomeSafe Second may let eligible homeowners keep their first mortgage.
- Type
- Proprietary reverse mortgage — not FHA-insured HECM
- Rate
- Fixed for HomeSafe Standard and HomeSafe Second
- Amount
- Standard: up to $4 million. Second: $50,000–$1 million. Age, value and eligibility determine proceeds.
- First mortgage
- Standard replaces existing mortgages; Second retains an eligible first mortgage and its payments
- Payment
- No required monthly payment on the reverse loan while loan obligations are met
- Insurance
- No mortgage insurance premium
The balance grows over time. Keep paying taxes, insurance and any retained first mortgage; maintain and occupy the home. Repayment is required when loan terms trigger it. Product and state availability vary.
HomeSafe is usually right when
- You're 55 or older and want to turn home equity into retirement cash flow without a required monthly payment.
- Your home is worth more than the FHA HECM lending limit — HomeSafe Standard allows proceeds up to $4 million.
- You'd prefer a fixed rate and a private program rather than an FHA-insured loan with mortgage insurance premiums.
- You want to keep an eligible first mortgage in place — HomeSafe Second may let you, while it retains its payments.
- You plan to stay in your home and can keep up with taxes, insurance, and maintenance.
Look elsewhere when
- You're under 55 — a HELOC, fixed-rate second, or cash-out refinance is the honest answer for now.
- You want the smallest possible loan balance over time — a reverse balance grows, so a HELOC you repay as you go may fit better.
- You're planning to move within a few years — the upfront costs rarely make sense on a short timeline.
- Keeping taxes, insurance, and maintenance current would be a strain — those obligations remain, and falling behind can trigger repayment.
How much could your home provide?
Enter your home's value, what you owe, and the youngest borrower's age. This is arithmetic, not an offer — real proceeds come from current lender rate sheets and underwriting.
The share of value available rises with age. The percentages behind this estimate are illustrative placeholders, not current lender figures.
Replaces your current mortgage; no required monthly payment on the reverse loan while obligations are met.
Keeps an eligible first mortgage in place — you keep making its payments.
Estimates only — not a quote, an approval, or a commitment to lend. The reverse balance grows over time; taxes, insurance, maintenance, and any retained first mortgage remain your responsibility. Product and state availability vary.
Or call us directly — 602-550-5626.
Common HomeSafe questions
How is HomeSafe different from a HECM?
A HECM is the FHA-insured reverse mortgage, available at 62+, with federal lending limits and mortgage insurance premiums. HomeSafe is a private (proprietary) reverse mortgage available at 55+ in eligible states, with proceeds up to $4 million and no mortgage insurance premium. We show you both side by side.
Do I still own my home?
Yes. You keep the title and stay on it. The loan is a lien against the home, repaid when the terms trigger it — typically when you sell or the home is no longer your primary residence.
What am I still responsible for?
Property taxes, homeowners insurance, and maintenance — plus payments on any first mortgage you retain under HomeSafe Second. Meeting those obligations is what keeps the no-monthly-payment feature in place.
What happens to my heirs?
When the loan comes due, your heirs can sell the home, refinance it, or pay off the balance. The loan is non-recourse: neither you nor your heirs ever owe more than the home's value at that time.
Can I keep my current mortgage?
HomeSafe Standard pays off and replaces existing mortgages. HomeSafe Second is designed to sit behind an eligible first mortgage, so you keep that loan — and its payments — while accessing additional equity.
Not sure HomeSafe is the one?
A reverse mortgage is one of twelve ways to use your equity. Compare them side by side, or tell us your situation and we'll point you at the two or three that genuinely fit.
Questions? We're Here to Help.
Call me today to discuss which program is best for you.
What Our Clients Say
★★★★★
- ★★★★★
“I think this was the 5th or 6th loan that Geoff and his team have done for me. He is hands down the best. Everything on his side is smooth, professional, and easy. There is no other lender I would do business with.”
Patrick
Verified client
- ★★★★★
“Amazing service, lots of options presented, everything went off without a hitch… highly recommend!”
Tess
Verified client
- ★★★★★
“Thank you, Geoff, for your hard work and dedication in getting me a mortgage. You jumped through hoops and got funding. Definitely recommended.”
Ion A.
Verified client
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“Very knowledgeable, patient, took time to answer questions, great personality, comfortable to work with.”
Sandra C.
Verified client
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“Geoff and his whole staff were great to work with and very pleasant and understanding. They helped me work out everything and always made me feel they enjoyed helping me. Wonderful group!!”
James C.
Verified client
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“This is the second home your team helps me with, and again, you guys did a great job. Thank you!”
Gabriela D.
Verified client
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“I love the communication you guys had with me with updates and made it super easy for us. Thank you for helping me and my family get to our home. Thanks for guiding us throughout the whole process. You guys are awesome.”
Louis A. H.
Verified client
