Your loan options, explained simply.

Four ways to turn your home equity into freedom in retirement. There is no one-size-fits-all — Albert L. Jones helps you find the option that genuinely fits your life.

A retired couple enjoying coffee together on their porch on a sunny morning

Retirement Cash Flow Solution

HECM Reverse Mortgage

Turn the equity you have built into monthly cash flow or a line of credit.

A Home Equity Conversion Mortgage (HECM) is the federally insured reverse mortgage available to homeowners 62 and older. It lets you access a portion of your home equity as tax-free* funds — as a lump sum, monthly payments, a growing line of credit, or a combination — with no required monthly mortgage payment. You keep title to your home and continue living in it.

No required monthly mortgage payment (you remain responsible for property taxes, insurance, and upkeep)
You keep the title to your home
Federally insured through FHA / HUD
Funds are generally not taxed as income*
Optional growing line of credit you can draw on as needs change

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A couple stepping through the front door of their new single-story home, keys in hand

Retirement Home Purchase Solution

HECM for Purchase

Buy your next home and finance it with a reverse mortgage in one step.

HECM for Purchase lets you buy a new primary residence and fund it with a reverse mortgage at the same time — ideal for right-sizing, moving closer to family, or relocating to a home that fits this chapter of life. You make a one-time down payment (typically around 60–65% of the purchase price, often from the sale of your current home), and the reverse mortgage covers the rest — with no required monthly mortgage payment.

Buy and finance in a single transaction with a single closing
Down payment typically 60–65%; the HECM covers the balance
No required monthly mortgage payment on the new home
Keep more of your savings liquid for retirement
Works for FHA-approved condos as well as houses
You keep the title to your new home

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Wealth Preservation & Liquidity Solution

Jumbo / Luxury Reverse Mortgage

For higher-value homes — access up to roughly $4 million in equity.

For owners of higher-value properties, a jumbo (proprietary) reverse mortgage reaches well beyond the federal HECM lending limit — with loan amounts up to $4 million. Depending on the program, options include a fixed lump sum, a flexible line of credit, or a structure designed to preserve a share of equity for your heirs. It is a strategic way to unlock liquidity from a luxury home while keeping your investment portfolio and other assets intact.

Loan amounts up to $4 million — far beyond the standard HECM limit
Available to eligible homeowners as young as 55 (program-dependent)
Choose your structure: lump sum, line of credit, or equity preservation for heirs
Expanded eligibility for condos and a wider range of home values
Non-recourse protection on many programs — confirm the specifics of your loan with us
No penalty for early repayment, and no required monthly mortgage payment

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Flexible Equity Access Solution

HELOC for Seniors®

Flexible, on-demand access to your equity — draw what you need, when you need it.

A senior-focused home equity line of credit gives you flexible, revolving access to your equity for whatever life brings — home improvements, medical costs, helping family, or simply a financial cushion. Draw funds as you need them and pay interest only on what you use.

Draw funds as needed, not all at once
Pay interest only on what you actually use
Keep a financial cushion ready for the unexpected
A flexible complement to other retirement income
Guidance on whether a HELOC or a reverse mortgage fits you better

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Not sure which option fits?

That is exactly what a free consultation is for. We will look at your home, your goals, and your numbers together — then tell you honestly what makes sense.

Book Your Free Consultation or call (800) 798-5506