YOUR HOME. YOUR OPTIONS. YOUR NEXT CHAPTER.

You’ve built a life here.
What comes next?

Explore whether a reverse mortgage could help your retirement plans—with clear answers and personal guidance from Marie.

Let’s talk about your options

A conversation. No pressure. At your pace.

Two wooden chairs on a sunny porch overlooking a peaceful garden.

More possibilities.
Same place to call home.

30+ years in real estateReverse mortgage focus since 2021Personal guidance from Marie

START WITH UNDERSTANDING

Could your home equity
support your next chapter?

A Home Equity Conversion Mortgage (HECM) is a loan that lets eligible homeowners age 62 and older access a portion of their home equity.

Stay in the home you love

Access equity while keeping ownership, as long as you meet the loan requirements.

Create room in your budget

No required monthly principal and interest payments. You still pay taxes, insurance, HOA dues if applicable, and upkeep.

Consider your possibilities

Explore using available proceeds for home improvements or everyday expenses, or ask about buying your next home with a HECM for Purchase.

The whole picture matters.

Interest and fees add to the balance over time, reducing available equity. This is a loan that must be repaid. Failing to meet loan obligations can lead to foreclosure.

Read the CFPB’s reverse mortgage basics ↗

A REAL CONVERSATION WITH MARIE

Let’s make this
make sense for you.

Marie Jimenez

Loan Officer · O1NE Mortgage Inc.

Your home is personal. The decision to borrow against it should start with your goals, your questions, and what matters most to you.

I bring more than 30 years of real estate experience and a focus on reverse mortgages since 2021. I’ll help you look at the benefits, the costs, and the impact on your future—including your family and the flexibility you may need later.

We can talk by phone or discuss meeting in person. Bring your questions, and include a family member if you’d like.

Start a conversation with me

GOOD QUESTIONS. CLEAR ANSWERS.

You don’t have to
have it all figured out.

Start here. Then we can talk through what these answers mean for your situation.

Explore HUD’s HECM information ↗

Do I still own my home?

Yes. The title stays in your name, and the loan is secured by your home. You must meet the loan’s terms, including living in the home as your primary residence, maintaining it, and paying property taxes and insurance.

Who may qualify for a HECM?

HECM borrowers must be at least 62, have sufficient home equity, meet financial and property requirements, and complete counseling with a HUD-approved agency. An existing mortgage must be paid off at closing, using loan proceeds or other funds. Eligibility depends on your full situation.

What are the costs?

Costs can include origination and closing fees, mortgage insurance, and interest. Financing eligible costs reduces the proceeds available to you and increases the amount you owe. We’ll review an individualized breakdown before you decide.

What happens if I move or pass away?

The loan generally becomes due when the last borrower sells, permanently moves out, or dies. Certain eligible non-borrowing spouses may qualify for repayment deferral. Your family’s options depend on the loan terms and circumstances, so planning ahead matters.

What does this mean for my children?

A growing loan balance can leave less equity for your heirs. Heirs may be able to keep the home by repaying the loan, or sell it and retain any remaining equity after repayment and sale costs. Let’s include your family’s priorities in the conversation.

Can I use a reverse mortgage to buy a home?

A HECM for Purchase can help eligible buyers purchase a primary residence. You’ll need sufficient funds to cover the difference between the purchase price plus closing costs and the reverse mortgage proceeds. It may be an option to explore when downsizing or relocating.

More from the CFPB: eligibility, costs, and repayment and family considerations.

YOUR NEXT STEP CAN BE A SIMPLE CONVERSATION