No required monthly mortgage payment
The loan is repaid when you sell, move out, or pass away. You still pay property taxes, insurance and upkeep — just no monthly principal-and-interest bill.
HECMFHA-insured HECM program — federally regulated
Turn your home equity intoretirement income
A reverse mortgage lets homeowners 62 and older access the equity they’ve built, with no required monthly mortgage payment. Dan Bertsche explains your options in plain English and gives you a free, no-obligation quote — no pressure, ever.
Free consultation • No obligation • No monthly mortgage payment required
- Minimum qualifying age
- 62+Minimum qualifying age
- Required monthly mortgage payment
- $0Required monthly mortgage payment
- Insured HECM loan program
- FHAInsured HECM loan program
Backed by a federally regulated, FHA-insured program
- FHA-Insured HECM Program
- Equal Housing Opportunity
- NEXA Mortgage, LLC — NMLS #1660690
- Independent HUD-Approved Counseling Required
Why a reverse mortgage
Built for homeowners who want options, not another payment
A Home Equity Conversion Mortgage (HECM) is a federally insured loan, not a sale of your home. You keep the title — you simply put the equity you’ve already built to work.
You keep the title to your home
A reverse mortgage is a lien, the same as a traditional mortgage. Your name stays on the deed and you remain the owner.
Flexible ways to receive funds
Take a lump sum, a monthly payment, an open line of credit, or a combination — whatever fits how you want to use the money.
A non-recourse loan
You or your heirs will never owe more than the home is worth when the loan becomes due, even if the balance grows past the home’s value.
Federally insured, closely regulated
HECMs are insured by the FHA and require independent, HUD-approved counseling before you ever sign, so you go in with eyes open.
Use the funds for anything
Pay off an existing mortgage, cover medical costs, help family, or simply build a cash cushion for retirement — the choice is yours.
The process
Four steps, and Dan walks you through every one
No pressure, no obligation to move forward at any point — you can stop and ask questions at every step.
Free, no-obligation conversation
Dan asks about your goals and your home, answers your questions, and gives you a straight answer about whether a reverse mortgage makes sense for you.
See your numbers
Based on your age, home value and any existing mortgage balance, Dan gives you a personalized, no-obligation estimate of what you could access.
Required HUD counseling
Before you apply, federal law requires an independent counseling session with a HUD-approved counselor — not Dan, not NEXA — so you get an unbiased second opinion.
Application, appraisal & closing
Dan handles the paperwork and keeps you updated at every stage, from application through your home appraisal to closing and receiving your funds.
Every homeowner’s situation is different — your exact timeline and numbers come from your free consultation, not a generic quote.
Common questions
The questions every homeowner asks first
Will the bank own my home?
No. A reverse mortgage is a loan secured by your home, the same as a traditional mortgage. You keep the title and remain the owner — you’re just not required to make monthly mortgage payments.
What happens when I pass away or move out?
The loan balance becomes due. Your heirs can pay it off and keep the home, sell the home and keep any remaining equity, or walk away — because it’s a non-recourse loan, neither you nor your heirs will ever owe more than the home is worth.
Do I have to make monthly payments?
No monthly mortgage payment is required. You do need to keep paying property taxes and homeowners insurance and maintain the home, just as you would with any mortgage.
Am I eligible?
Generally, you (or the youngest borrower on title) must be 62 or older, the home must be your primary residence, and you need sufficient equity in it. The clearest way to know is a free eligibility check with Dan.
Is this some kind of scam?
No — HECM reverse mortgages are a federal program insured by the FHA and regulated by HUD. Before you can close, federal law requires you to complete counseling with an independent, HUD-approved counselor who has no financial stake in your decision.
How much money could I access?
It depends on your age, your home’s value, current interest rates, and any existing mortgage balance. A free, no-obligation quote from Dan gives you an exact, personalized number.
Get your free quote
See what your home equity could mean for retirement
Answer a few quick questions and Dan will follow up personally with a free, no-obligation estimate — no pressure, no spam.
- A real conversation with Dan, not a call center
- A personalized, no-obligation estimate
- No pressure to move forward at any point
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