Unlock the Power of Your Home Equity with a Reverse Mortgage

A reverse mortgage offers a smart way to leverage your home equity without the burden of monthly mortgage payments. The most popular option, the Home Equity Conversion Mortgage (HECM), allows you to access cash while maintaining homeownership, providing financial flexibility in retirement.

Struggling to Maintain Financial Stability in Retirement?

As you enter your golden years, managing finances can become a challenge. Rising living costs, unexpected medical expenses, and the desire to maintain your standard of living can strain your retirement savings. You’ve worked hard to build equity in your home, but accessing that wealth without selling your home can seem impossible.

If you’re 62 or older and facing financial uncertainty, you’re not alone. Many older homeowners feel trapped, unable to enjoy their retirement because their wealth is tied up in their property. The thought of monthly mortgage payments can add stress, leaving you wondering how to make ends meet while staying in the home you love.

The Cost of Inaction

Without a sustainable financial plan, you might have to dip into your savings, rely on family, or even consider selling your home. Traditional loans and credit lines can be risky, with high interest rates and monthly payments that can strain your budget. And postponing financial decisions could mean missing out on opportunities to enjoy the retirement you deserve.

The last thing you want is to feel overwhelmed by financial worries when you should be enjoying life.

What if there was a way to turn your home equity into tax-free cash while staying in your home—without making monthly mortgage payments?

A Reverse Mortgage – Smart, Secure, and Designed for You

A Reverse Mortgage is a powerful financial tool that allows homeowners aged 62 and older to convert a portion of their home equity into cash. Unlike a traditional loan, you don’t have to make monthly mortgage payments—instead, the lender pays you!

Benefits of a Reverse Mortgage

✔ No Monthly Mortgage Payments – You remain responsible for taxes, insurance, and maintenance.

✔ Flexible Payout Options – Receive funds as a lump sum, line of credit, or monthly payments.

✔ Increased Cash Flow – Enjoy greater financial freedom to cover expenses or lifestyle choices.

✔ Stay in Your Home – Continue living in and owning your home without selling.

✔ Bridge the Medicare Gap – Use funds for medical expenses before Medicare coverage begins.

✔ Peace of Mind – The loan only becomes due when the last borrower permanently leaves the home.

Do You Qualify for a Reverse Mortgage?

To be eligible, you must meet the following criteria:

✔ Age 62 or older
✔ Own your home outright or have significant equity
✔ Use the home as your primary residence (6+ months per year)
✔ Property must be a single-family home, multi-unit (2-4 units),
or FHA-approved condo
✔ Meet basic credit and financial requirements
✔ Complete a HUD-approved reverse mortgage counseling session
✔ No delinquent federal debt

Our Reverse Mortgage Solutions

A home loan that allows you to convert a portion of the equity in your home into cash, HECMs are insured by the Federal Housing Administration (FHA) and you can only get one through an FHA-approved lender like Fairway.

Allows you to access more equity on a high-value property. The home value limit you can borrow against with a jumbo reverse mortgage is higher than the current limit you would face with a traditional HECM reverse mortgage ($1,209,750).

A home loan that you can use to purchase a new home. It is designed to make it easier for you to afford a new home that will better fit your needs in retirement.

Why Choose Us?

we specialize in guiding seniors through the reverse mortgage process with transparency and expertise. Our team is committed to helping you make informed financial decisions that align with your long-term goals.

✔ Expert Guidance – Work with certified reverse mortgage specialists.
✔ Personalized Solutions – Tailored options based on your financial needs.
✔ Trusted by Seniors Nationwide – A commitment to ethical lending and customer satisfaction.

Take the next step toward financial freedom! Contact us today for a free consultation.

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My wife and I had the pleasure of working with C2 Hawaii to secure our VA loan. With the help, honesty and guidance of Thomas and Lori we were able to close on the home we wanted in a quick and efficient time frame. They definitely completed their mission of helping to provide us with a low Hawaii mortgage rate with a genuine attitude toward helping us and quality service. I would highly recommend to give them a call and at the very least hear them out in what they have to offer and how they can help. You will not be disappointed and will have a decent, understanding, and informative conversation. And a team that will be at your side to the end and beyond.

I’ve had the pleasure of working with Thomas Ray as my mortgage broker on multiple investment properties, and I can't recommend him highly enough. His service is exceptional, and his communication with clients is top-notch—always keeping me informed throughout the entire process. I've closed on several deals with him, and he has never backed down from a challenge. Whether navigating complex situations or finding creative solutions, Thomas always goes above and beyond. Additionally, Lori Jaeger has been an excellent processor, ensuring everything runs smoothly and efficiently. Her attention to detail and responsiveness has made a big difference in getting deals done on time. If you're looking for a reliable and dedicated team, Thomas and Lori are the ones you want on your side. Moreover, they treat me like family!

I highly recommend Thomas and Lori for your loan. My case was not easy case however Thomas and Lori secured my mortgage with good interest rates from major bank. They have a very deep knowledge and know how to resolve issues. They were very responsive and answered me all questions right away. They even called me back during his vacation and weekend right away. Highly recommend to get help from Thomas and Lori. Thank you so much Thomas and Lori !

ABOUT US

ABOUT C2 HAWAII

At C2 Hawaii, established in 2014 by Darron Carson and Joe Schmitz, we set out to create an ideal platform for loan officers to thrive. Our mission is clear: empower loan officers to learn, grow, and succeed in their businesses. We achieve this goal through a combination of low mortgage rates and an elite processing team dedicated to seamless transactions.

Darron and Joe are not just founders; they are also originating managers deeply involved in customer interactions. They support seasoned loan officers and mentor those new to the field, ensuring a hands-on approach to the ever-changing mortgage industry.

C2 Hawaii harnesses the full resources of C2 Financial, benefiting our clients with exceptional rate pricing. With over 100 lenders, we have the flexibility to direct loans strategically, meeting both timeline and pricing objectives with precision.

Find Us Here

Pauahi Tower, 1003 Bishop St Suite 2700-26, Honolulu, HI 96813, United States

Frequently Asked Questions (FAQs)

Q: Will I still own my home?

Yes! You retain full ownership and can live in your home as long as you meet the loan obligations.

Q: Can I sell my home if I have a reverse mortgage?

Absolutely. You can sell your home at any time. The reverse mortgage loan balance will be repaid from the sale proceeds, and any remaining equity is yours.

Q: What happens if I outlive my loan?

Reverse mortgages are designed to last as long as you live in your home. The loan does not require repayment until the last borrower permanently leaves the home.

Q: What if my home’s value decreases?

HECM loans are FHA-insured, meaning you will never owe more than the home’s market value at the time of repayment.

Q. What are the different ways to receive reverse mortgage payments?

You can choose to receive funds in a lump sum, fixed monthly payments, a line of credit, or a combination of these options.

Q. How much money can I get from a reverse mortgage?

The amount you can borrow depends on your age, home value, interest rates, and the specific reverse mortgage program you choose.

Q. Are there any restrictions on how I can use the funds?

No, you can use the funds however you like, whether it’s for daily expenses, medical bills, home improvements, or paying off existing debt.

Q. What happens if I outlive my reverse mortgage funds?

If you choose a line of credit or monthly payments, the loan will continue for as long as funds are available. You can never owe more than the home’s value at the time of sale.

Q. Will I have to pay taxes on the money I receive?

No, the funds from a reverse mortgage are considered loan proceeds, not income, so they are not subject to federal income tax.

Q. Can I lose my home with a reverse mortgage?

You must meet the loan requirements, such as paying property taxes, homeowners insurance, and maintaining the home. Failure to do so could result in foreclosure.

Q. What costs are associated with a reverse mortgage?

There are closing costs, origination fees, servicing fees, and mortgage insurance premiums. Most of these can be rolled into the loan.

Q. Is a reverse mortgage safe?

Yes, reverse mortgages are regulated and insured by the Federal Housing Administration (FHA) for added borrower protection.

Q. How do I know if a reverse mortgage is right for me?

Consult with a HUD-approved reverse mortgage counselor to discuss your financial situation and explore alternative options.

Q. How can I get started with a reverse mortgage?

Contact a licensed reverse mortgage specialist for a free consultation and to explore your options based on your financial goals.

QUESTIONS?

Connect with a Loan Officer 7 Days per week

808-369-1700