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Cashout Equity for Your Retirement!

Boomers are sitting on mountains of home equity. If you own a home with equity, you can turn this equity into cash and enjoy the money with no monthly mortgage payments.

  • Cashout the equity you have built up over the years
  • Use the money to pay off debt or buy what you want
  • Backed and insured by the U.S. Federal Government


A reverse mortgage is a type of home equity loan specifically designed for seniors 62 and older that could bring more stability and security to your retirement.

If you’ve been thinking about how to fund your retirement, whether for your immediate needs or for the longer term, and you want to find out how a reverse mortgage loan really works, you’ve come to the right place.


A reverse mortgage can help you do the following:


Eliminate mortgage payments


Cover daily living expenses


Pay for medical expenses


Help family members in need


Save for unexpected emergencies


Pay for medicine and health bills 


Buy a new car


Pay off your forward mortgage


Use as part of a retirement plan


Set up transportation


Delay collecting Social Security


Eliminate high-interest debt


Invest in opportunities


Purchase health technology


Avoid the stress of paying bills


Supplement retirement income


Consolidate and pay debts


Repair or renovate your home


Pay for grandchildren’s education


Maintain reserves for downturns


Replace salary and maintain routine


Pay for a vacation


Pay for a nursing/care facility


Convert room to a caregiver facility


Create set-aside for taxes/insurance


Pay for estate plan/will/funeral costs


Eliminate credit card debt


Avoid using or selling off assets


Avoid selling your home


Stay in your home until you pass


Here are 10 important facts you should know:

1. Helps seniors turn home equity into cash.

2. You can use the funds however you choose.

3. Receive lump sum, line of credit, or payments.

4. Backed and insured by the U.S. Government.

5. You never give up ownership of your home.

6. No required monthly mortgage payments.

7. You can pay off your existing mortgage.

8. No repayment as long as you live there.

9. No minimum income requirements.

10. You can leave your home to your heirs.


This guide answers the following questions:

Part One

1.  What is a reverse mortgage?

2.  Why is it called a “reverse” mortgage?

3.  What is a “HECM” reverse mortgage?

4. Is this a government loan?

5. Is this a Home Equity Line of Credit?

6. What are the requirements?

7. Do both spouses have to be over 62?

8. What is the application process?

9. What are the upfront and ongoing costs?

10. What about interest payments?

Part Two

11. How much can I get?

12. How much equity do I need?

13. How do I receive the funds?

14. How can I use the funds?

15. When does the loan become due?

16. What about my existing mortgage?

17. Is this a second mortgage on my home?

18. What types of homes are eligible?

19. Can I sell my home at any time?

20. Do I continue to own my home?

Part Three

21. Could I lose my home?

22. Will it affect my benefits?

23. What if my spouse survives me?

24. Can I leave my home to my heirs?

25. How long do my heirs have to repay?

26. What if I move to a care facility?

27. What if I live with my family for a while?

28. What is the Right of Rescission?

29. How do I find a third-party counselor?

30. Can a reverse mortgage loan be trusted?

In The News

Reverse mortgages are in the news:

  Reverse mortgages have transitioned to a retirement income tool as part of an overall retirement income plan.

Wade Pfau, Forbes

Feb 21, 2017

  A reverse mortgage is a financial vehicle used by plenty of older Americans to access cash from their home.

Michael Lazar, Huffington Post

Jun 10, 2016

  If you’re near retirement and worried you won’t have enough money, a reverse mortgage might be a smart strategy.

Deborah Kearns, USA Today

Oct 24, 2016

  The benefit of a reverse mortgage is that it puts cash in your pocket to help you cover your retirement expenses.

Maurie Backman, Fox Business

Dec 17, 2016

  If you’re short on cash in retirement but do have equity in your home, you might want to get a reverse mortgage.

Donna Rosato, Money

May 11, 2016

  More financial advisers have warmed up to the idea of homeowners taking a reverse-mortgage line of credit.

Jeff Brown, Wall Street Journal

Feb 13, 2017

Since 1996, CB Investments has helped countless seniors enjoy a stable and secure retirement. To date, our company has processed over $1.5 billion in loans. Our team of reverse mortgage professionals will assist and guide you through every step of the loan process and provide the necessary information to help you make an intelligent decision.

300 Pacific Coast Highway, Suite 301

Huntington Beach, CA 92648

© 2017 CB Investments, Inc.

Interested in a reverse mortgage?

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