Loan options tailored to you
One size does not fit all. We shop multiple lenders to find the right fit for your home equity.
The Broker Advantage
Unlike a direct lender who can only offer their own products, S.O.S. Loans compares rates and terms from top industry investors (including Smartfi, Finance of America, and others) to ensure you get the absolute best deal.
HECM (FHA Insured)
The Home Equity Conversion Mortgage (HECM) is the most common reverse mortgage. Backed by the federal government, it offers the most flexible payment options and a unique line of credit that grows over time.
Ideal Use Cases:
- Borrowers with homes valued under $1.2M.
- Those wanting a Line of Credit that grows unused (compounding growth).
- Borrowers needing max protection (Non-recourse + FHA Insurance).
Proprietary Jumbo Reverse
Designed for high-value properties. If your home is worth significantly more than the FHA limit, a standard HECM might leave too much equity on the table.
Ideal Use Cases:
- Owners of luxury homes ($1.5M - $10M).
- No Mortgage Insurance Premium (MIP), saving you thousands in closing costs.
Second Lien Reverse Mortgage
A revolutionary reverse mortgage that sits in the "Second Position." This allows you to tap into equity WITHOUT refinancing your low-rate first mortgage.
Ideal Use Cases:
- You have a 2.5% - 4% rate on your first mortgage and don't want to lose it.
- You need a lump sum of cash but want to avoid the monthly payments of a HELOC.
Live the retirement you deserve
Unlock your home’s equity without monthly mortgage payments. Talk with our California reverse mortgage team today.
Calculate your equity