Unlock Your Home Equity in Retirement

Reverse mortgages, HELOCs, and refinancing options designed for homeowners 62 and older

Explore Your Options
Your Challenges

We Understand Your Challenges

Every borrower's situation is unique. Here's how we help you overcome common obstacles.

Living on a fixed income while facing rising property taxes, insurance, and healthcare costs

Understanding reverse mortgages and separating fact from misconception

Accessing home equity without burdening adult children or depleting retirement savings

Navigating complex financial decisions without trusted, unbiased guidance

Your Options

Loan Programs for You

Based on your borrower profile, these programs may be a great fit.

Reverse Mortgages

Allows homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments. Ideal for supplementing retirement income while staying in your home.

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Home Equity Line of Credit (HELOC)

Access your home equity with a flexible revolving line of credit. NetCORE offers HELOCs up to 90% LTV, significantly higher than the typical 65% offered by banks.

Min. Credit Score: 640

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Mortgage Refinancing

Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.

Min. Credit Score: 620

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Eligibility

Do You Qualify?

Review these common eligibility criteria to see if you may be a good fit.

  • Reverse mortgage: Must be 62 years of age or older
  • Must occupy the home as your primary residence
  • Complete HUD-approved reverse mortgage counseling
  • Sufficient income to continue paying property taxes, insurance, and maintenance
  • Home must meet FHA minimum property standards (for HECM)

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FAQ

Frequently Asked Questions

No. You retain full ownership and title to your home. You continue to live in the home for as long as you wish. The loan only becomes due when you permanently move out, sell the home, or pass away. You can never be forced to leave as long as you meet the loan obligations.
Reverse mortgage proceeds are loan advances, not income. They do not affect Social Security or Medicare benefits. However, they could affect need-based benefits like Medicaid or SSI if funds are not spent in the month received. Consult a benefits advisor for your specific situation.
Your heirs have several options: they can repay the loan (through refinancing or other means) and keep the home, sell the home and keep any equity remaining after paying off the loan, or simply walk away if the loan balance exceeds the home value (the FHA insurance covers the difference).
The amount depends on your age (older borrowers receive more), your home's appraised value, current interest rates, and the HECM lending limit ($1,149,825 in 2024). Generally, a 70-year-old might access 40-50% of the home's value. We provide exact calculations during consultation.
It depends on your situation. A reverse mortgage eliminates monthly payments but has higher upfront costs. A HELOC has lower costs but requires monthly payments. If you want to eliminate your mortgage payment entirely, a reverse mortgage may be better. If you need short-term access to equity, a HELOC might be more cost-effective.

Ready to Get Started?

Take the first step toward your mortgage goals. Our team is here to guide you.

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(714) 399-6361

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026