Unlock the Value in Your Home and Live with More Financial Freedom

A Reverse Mortgage allows homeowners aged 62 and older to convert part of the equity in their home into cash—without having to sell their home, give up the title, or take on new monthly mortgage payments. It’s a powerful tool for retirees looking to supplement income, cover healthcare costs, or simply enjoy more flexibility in retirement.

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What is a Reverse Mortgage?

A reverse mortgage is a type of loan designed specifically for seniors who have built up significant equity in their homes. Unlike a traditional mortgage where you make payments to the lender, with a reverse mortgage the lender pays you—either in a lump sum, fixed monthly payments, or as a line of credit. The loan doesn’t need to be repaid until you move out of the home, sell the property, or pass away. At that time, the home is sold to repay the loan balance, with any remaining equity going to you or your heirs.

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Why You Should Consider a Reverse Mortgage

Stay in Your Home

Maintain ownership and continue living in your home.

No Monthly Mortgage Payments

You are not required to make monthly payments while you live in the home.

Flexible Payout Options

Choose between a lump sum, monthly payments, line of credit, or a combination.

Tax-Free Funds

Proceeds from a reverse mortgage are generally tax-free.

Protection for Heirs

The loan is non-recourse, meaning neither you nor your heirs will ever owe more than the home’s value at repayment.

Who Can Qualifiy for a Reverse Mortgage?

To be eligible for a reverse mortgage, you must:

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Be 62 years or older
Own your home outright or have a significant amount of equity
Live in the home as your primary residence
Stay current with property taxes, homeowners insurance, and basic maintenance

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Why Work With Verushka’s Casa?

At Verushka’s Casa, we combine local expertise with personalized service to make the reverse mortgage process simple, transparent, and tailored to your retirement goals. Whether you’re looking to supplement your income, cover healthcare costs, or unlock home equity for greater financial freedom, we guide you through every step with care. Clients trust us for our clear communication, straightforward guidance, and ability to make even complex decisions feel seamless—ensuring you move forward with confidence and peace of mind.

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Reverse Mortgage Process at Verushka’s Casa

Applying for your reverse mortgage should feel empowering—not overwhelming. We’ll start with a personalized eligibility review to help you understand how much equity you can unlock and which payout options best fit your needs. We’ll guide you through required counseling, handle the appraisal, and take care of all the documentation and underwriting with clarity and care. At closing, you’ll choose how to receive your funds—whether as monthly income, a line of credit, a lump sum, or a blend that works for you.

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What you get with Verushka's Casa:

Personalized Assessment: Discuss your financial situation and loan needs.
Fast Pre-Approval: We'll help you get pre-approved quickly to make offers with confidence.
Smooth Closing: Transparent guidance through underwriting, appraisal, and closing.
Ongoing Support: After closing, we’re here to answer questions and guide you toward your next steps—whether remodeling or refinancing with FHA 203(k) options.