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The Future of Home Equity: Understanding Proprietary Reverse Mortgages with Equity Access Group

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When it comes to managing finances in retirement, homeowners often seek solutions that allow them to leverage their most significant asset: their home. One such solution is a reverse mortgage, a type of loan that enables older homeowners to convert part of their home's equity into cash. Among the various types of reverse mortgages, the proprietary reverse mortgage stands out, and Equity Access Group has emerged as a leader in this field. This blog explores the concept of proprietary reverse mortgages and why Equity Access Group is at the forefront of this market.

Understanding Proprietary Reverse Mortgages

A proprietary reverse mortgage is a private loan backed by the lending company and not insured by the federal government, unlike Home Equity Conversion Mortgages (HECMs). These are tailored for homeowners with higher-value homes, allowing them to access a larger amount of their home equity compared to HECMs.

Key Features of Proprietary Reverse Mortgages:

  1. Higher Borrowing Limits: They offer higher borrowing limits than federally insured reverse mortgages, making them suitable for high-value properties.
  2. Flexibility: These mortgages often come with more flexible qualification criteria and can be customized to suit individual needs.
  3. No Mortgage Insurance Premiums: Unlike HECMs, proprietary reverse mortgages do not require mortgage insurance premiums, potentially saving borrowers thousands of dollars.
  4. Diverse Disbursement Options: Borrowers can choose how they receive the funds, whether as a lump sum, line of credit, or regular payments.

Why Equity Access Group Stands Out

Equity Access Group has carved a niche in the proprietary reverse mortgage market for several reasons:

  1. Expertise and Experience: With years of experience, they have developed a deep understanding of the market, offering expert guidance to homeowners.
  2. Customized Solutions: Recognizing that each homeowner's situation is unique, Equity Access Group provides personalized solutions rather than a one-size-fits-all approach.
  3. Transparency and Integrity: They are known for their transparent dealings, ensuring that clients fully understand the terms and implications of their reverse mortgage.
  4. Competitive Rates and Fees: Offering some of the most competitive rates and fees in the industry, they make reverse mortgages more accessible and affordable.
  5. Strong Customer Support: Their commitment to customer service ensures that clients receive ongoing support throughout the life of their loan.
  6. Innovative Products: Equity Access Group stays ahead of the curve by continually innovating and offering new products that meet evolving customer needs.
  7. Educational Resources: They provide extensive educational resources, helping clients make informed decisions about their financial futures.
  8. Community Trust: Having built a reputation for reliability and trustworthiness, they are a preferred choice for many homeowners.


Proprietary reverse mortgages represent a vital financial tool for many homeowners, particularly those with higher-value properties. Equity Access Group's leadership in this sector is a testament to their commitment to providing tailored, transparent, and trustworthy services. As the market evolves, their role in helping retirees secure their financial future remains crucial.

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