For homeowners 62+, their families, and heirs
Patient, plain-language help understanding your options, responsibilities, costs, and alternatives—without pressure.
We are the calm in the chaos.
✦ Straight answers. Thoughtful strategy. A real person in your corner.
Start where you are
You do not need to know the mortgage language. Choose the place that feels closest to your situation, and Liz will help make the next step clear.
Learn what may be available, what it may cost, and how a reverse mortgage could affect your longer-term plan.
Join the conversation, bring every question, and understand the decision together.
Get organized, understand the common paths forward, and know which questions to ask the loan servicer.
That is exactly what the first conversation is for. Explore the fit—and the alternatives—without a sales pitch.
Reverse mortgage basics
A reverse mortgage is a home loan that allows eligible homeowners to access a portion of their home equity. The homeowner keeps title to the home, while interest and fees are added to the loan balance over time.
For an FHA-insured Home Equity Conversion Mortgage, commonly called a HECM, the home must remain the borrower's principal residence. Borrowers must complete independent counseling and remain current on property taxes, homeowners insurance, maintenance, and other applicable property charges.
Explore what may be availableThe amount depends on factors including age, interest rates, the home's value, existing liens, and program limits.
Compare ways to receive proceedsDepending on the program and eligibility, choices may include a line of credit, monthly advances, a lump sum, or a combination.
Look at the whole decisionCosts, cash flow, time in the home, family plans, future care needs, and alternatives all belong in the conversation.
Educational HECM estimate
This private calculator uses published HUD principal-limit factors to provide a starting range. Your entries stay in your browser and are not submitted or saved.
For education only—not a quote, application, approval, or guarantee of proceeds. Actual eligibility and proceeds depend on current rates, appraisal, program rules, mandatory obligations, financial assessment, payment plan, property charges, counseling, closing costs, and any required set-asides. The first-year disbursement limit may restrict immediate access to proceeds.
A thoughtful decision
A reverse mortgage can be useful in the right circumstances, but it is not right for everyone. Liz helps you evaluate both sides.
Worth exploring when…
Pause and compare when…
These are conversation starters, not an eligibility determination or financial advice. Every household is different.
Families are welcome
A spouse, adult child, trusted friend, financial professional, or attorney can be part of the conversation.
Liz creates room for the questions families often carry: What happens to the home later? How could the balance change? What if the homeowner moves? What will heirs need to know? The goal is not to rush toward a loan. It is to help everyone understand the plan.
Bring your family to the conversation“You should never feel pressured to make a decision this personal.”
Liz ReeseGuidance for heirs
Most often, heirs inherit a home with a reverse-mortgage balance—not the reverse mortgage itself. The choices can feel urgent, especially while managing a loss. Start by getting the facts and responding promptly.
Locate the most recent statement and identify the reverse-mortgage servicer.
Notify the servicer, ask what documents are required, and request all options and deadlines in writing.
Depending on the circumstances, heirs may consider keeping the home, selling it, or turning it over to satisfy the debt.
Mortgage guidance can help you prepare. Legal, tax, estate, or housing-counseling advice may also be appropriate.
Timeframes and available options depend on the loan and household circumstances, including whether there is a coborrower or an eligible non-borrowing spouse. Liz provides mortgage guidance, not legal, tax, or estate advice.
The ReeseSquared Way
Dreams deserve a plan.
A mortgage is never just a transaction. It affects a person, a family, a home, and a future. Liz starts with what matters to you, then helps you consider a practical path forward.
Let's build your planA clear path forward
Share your goals, concerns, timeline, and the role your home plays in the years ahead.
Review potential options, costs, responsibilities, tradeoffs, and meaningful alternatives.
For a HECM, meet independently with a HUD-approved counselor before moving forward.
Move ahead only when the plan is understood and feels right for you and your household.
Hi, I'm Liz
I believe great lending starts with listening.
Your questions, goals, family, timing, and comfort level all matter. My job is to slow the process down, explain the full picture in plain language, and help you make a decision that feels like yours.
Good questions welcome
Reverse mortgages come with important details. Liz makes space for every question.
Yes. The homeowner keeps title to the home. The reverse mortgage is a loan secured by the property, and the borrower must continue meeting the loan requirements.
Borrowers must generally keep the home as their principal residence, pay property taxes and homeowners insurance, maintain the home, and stay current on other applicable property charges.
The loan generally becomes due when the home is sold or is no longer the principal residence of the last applicable borrower. Specific protections may apply to an eligible non-borrowing spouse.
Heirs do not simply take over the loan. They should contact the servicer promptly to understand the balance, deadlines, and choices for keeping, selling, or surrendering the home.
A prospective HECM borrower meets with an independent HUD-approved counselor who explains how the loan works, its costs, financial implications, alternatives, and borrower responsibilities.
A HECM for Purchase may allow an eligible homeowner to purchase a new principal residence by combining HECM proceeds with funds for the required difference and closing costs.
Other ways Liz can help
Liz also provides thoughtful guidance for home purchases, refinancing, and HELOCs. You will receive the same straight answers, clear comparisons, and personal communication.
Talk through my optionsReady when you are
Start with a conversation. No pressure and no confusing sales pitch—just patient guidance and room for your questions.
Call Liz: 209.640.1710