Unlock up to $4 Million in liquid equity with a Jumbo Reverse Mortgage — enough to settle a 50/50 divorce split or trust buyout, with no monthly mortgage payments.
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Dividing a multi-million-dollar home in a divorce or settling a family trust or estate can stall negotiations — and taking on a large new mortgage to buy out a spouse or sibling on a fixed income isn’t realistic.
Available to homeowners as young as 55. This is a massive advantage for “gray divorces” happening slightly earlier in life compared to traditional 62+ HECMs.
Forcing the sale of highly appreciated CA real estate triggers massive tax penalties. Jumbo reverse mortgage funds are classified as loan proceeds, meaning the cash used for the buyout is 100% tax-free.*
Because this is a proprietary private loan, there are no expensive FHA upfront or annual mortgage insurance premiums, saving you tens of thousands of dollars at the closing table.
With a Second Lien Reverse Mortgage, you can keep your ultra-low 3% primary mortgage intact while pulling out tax-free cash in a 2nd position to fund the buyout.
*S.O.S. Loans is a mortgage broker, not a tax advisor. Please consult with a licensed CPA or tax attorney regarding capital gains, basis step-ups, and your specific tax situation.
In a later-in-life divorce, the staying spouse (aged 55+) takes out a Jumbo Reverse loan solely in their name based on the property’s appraised value. The massive lump-sum cash proceeds are used to pay the departing spouse their rightful 50% share of the equity, instantly satisfying the divorce decree.
Result: The staying spouse retains sole ownership of the luxury home and lives there without a required monthly mortgage payment.
When siblings inherit a multi-million-dollar estate in a trust, pulling cash out of pocket to buy out the others is rarely feasible. We work with your estate attorney to structure the title. The sibling retaining the home originates the loan, and the proceeds are distributed to the other heirs as a tax-free cash lump sum.
Result: The siblings are fully paid off, and the remaining heir lives in the family legacy home payment-free.
“Great experience! I utilized their reverse mortgage service for my house in Palm Springs. Couldn’t have been an easier process with great customer service. Can’t recommend SOS Loans enough!”
“I have used SOS multiple times over the last 5-7 years. They are very fast, efficient, and friendly.”
“SOS Loans has the BEST customer service! They took care of all my worry. Whenever I had a need they were right there to solve it. Their process is really confidential, safe, and easy.”
“S.O.S. Loans provides excellent customer service. The application and approval process is both simple and efficient. They will work with you to align due dates. And are very responsive to all requests. A pleasure to do business with.”
“Easy to apply, easy to get my money.”
“Always super quick and efficient. Truly helpful when in a bind.”
Your buyout is handled by
H. Frank Stiebel · NMLS #2236554
Structuring a multi-million-dollar buyout takes precision. We shop the market and coordinate with your divorce attorney, estate planner, and title company — so a lack of liquidity never forces the sale of your most valuable asset.
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