Reverse Mortgages for High-Value Homes

Access up to $4 Million in equity. When your home value exceeds FHA limits, a Proprietary Jumbo Loan offers the flexibility you need.

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What Is a Jumbo Reverse Mortgage?

Standard HECM loans are capped by FHA lending limits (approx. $1.1M). A Jumbo (Proprietary) Reverse Mortgage is a private loan designed for homes valued between $1.2M and $10M. It allows you to access significantly more equity with fewer restrictions and Zero Mortgage Insurance Premiums.

Ideal For: Owners of luxury homes, high-end condos, or properties with values significantly exceeding the current FHA lending cap.

Jumbo vs. Standard HECM

Exclusive Benefits

Higher Loan Limits: Borrow up to $4 million in loan proceeds (varying by lender).
No Mortgage Insurance: You save the 2% upfront MIP and the 0.5% annual MIP charged on FHA loans.
Condo Flexibility: Many luxury condos that are not FHA-approved are eligible for Jumbo Reverse Mortgages.
Full Draw Available: Unlike HECM, you can often access 100% of your loan proceeds immediately at closing.

Considerations & Risks

Not Government Insured: These are private loans and are not backed by the FHA, though they are strictly regulated.
Interest Rates: Rates on proprietary products are sometimes higher than FHA HECM rates (though the lack of MIP often offsets this).
Lower LTV Ratios: You generally receive a lower percentage of the home value compared to a HECM, but applied to a much higher value.

The Private Client Process

A discreet and tailored experience for high-net-worth borrowers.

Private Consultation & Eligibility

We discuss your financial goals and run a preliminary check to see if your property value and location qualify for proprietary products.

Specialized Appraisal

A licensed appraiser experienced in high-value properties assesses your home. We determine the exact loan-to-value ratio based on this appraisal.

Review & Disbursement

Review the offer with your financial advisor. Upon closing, funds are wired to you or used to pay off existing liens. The process is often faster than a standard HECM.

Case Study: The Florida Estate

Why the "Williamsons" (Ages 75 & 73) chose a Jumbo Reverse Mortgage over a HECM.

Property Value: $2,500,000

The Williamsons wanted to pay off a $500,000 mortgage and access cash for investments.

Standard FHA HECM

Limited by the FHA Cap.

Recognized Value: ~$1,150,000
Net Principal Limit: $580,000
Payoff Existing Loan: -$500,000
Cash to Borrower: $80,000

Jumbo Proprietary

Uses Full Appraised Value.

Recognized Value: $2,500,000
Net Principal Limit: $950,000
Payoff Existing Loan: -$500,000
Cash to Borrower: $450,000

The Result: The Jumbo loan provided 5x more cash ($450k vs $80k) by recognizing the home's full value.

Jumbo Limit Estimator

Estimate how much more you could receive with a Jumbo loan.

Estimated Home Value

*This calculator is optimized for values over $1.2 Million.

Youngest Borrower Age

*Jumbo loans are sometimes available to borrowers as young as 55 in certain states.

Jumbo Mortgage FAQs

What is the maximum amount I can borrow?

Loan limits for Proprietary Jumbo reverse mortgages vary by lender but typically range up to $4 million. Unlike FHA loans which have a national lending limit (approx $1.15M), Jumbo loans are based on the lender's private guidelines and your specific property value.

Is there a minimum age requirement?

While the standard FHA HECM requires borrowers to be 62, many Proprietary Jumbo programs are available to borrowers as young as 55 or 60, depending on the state you live in and the specific lender's product.

Are the interest rates fixed or variable?

Proprietary Jumbo loans often offer more options than HECMs. Many offer a fixed interest rate where you receive all funds at closing. Adjustable-rate options with Line of Credit features are also available, depending on the lender.

How are these loans regulated if they aren't FHA?

Although not insured by the federal government, Jumbo reverse mortgages are strictly regulated by state laws and usually adhere to industry standards set by NRMLA (National Reverse Mortgage Lenders Association), ensuring strong consumer protections.

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