How Homeowners Are Securing Their Retirement Without Monthly Mortgage Payments

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No Monthly Mortgage Payments

Eliminate existing mortgage payments while maintaining home ownership. You'll only need to keep up with property taxes, insurance, and maintenance.

Tax-Free Access to Home Equity

Receive funds that are generally not considered taxable income, preserving your tax bracket and maximizing usable cash. (Consult your tax advisor.)

Flexible Disbursement

Choose from lump sum, monthly payments, growing line of credit, or a combination—tailored to complement your retirement strategy.


Mortgage Specialist

Greg Weber

NMLS#: 347351

With nearly two decades of experience in the mortgage industry, Greg Weber has been helping clients achieve their financial goals since 2006. Starting as a licensed loan originator, he quickly advanced to become a licensed mortgage broker in 2015, specializing in Reverse Mortgages and HECM programs since 2010. Under his leadership, G.W. Golden Financial has consistently ranked among the top 50 lenders, brokers, and originators in HECM volume across the United States.

Pay When You Want, Not Because You Have To

With a reverse mortgage, monthly payments become your choice, not your obligation. You can live mortgage-payment-free, making more room in your budget for healthcare, travel, or daily expenses. However, you maintain the freedom to make payments of any amount at any time without prepayment penalties. Many borrowers choose to pay interest periodically to keep their loan balance in check while still enjoying financial flexibility.

Growing Line of Credit: The Hidden Wealth-Building Feature

Unlike traditional HELOCs that can be reduced or frozen, your unused reverse mortgage credit line actually grows at the same rate as your loan's interest plus FHA mortgage insurance—regardless of your home's value fluctuations. This means your available funds increase predictably every year you don't use them, potentially providing substantially more borrowing power in later years when healthcare or other costs typically rise

  • Strategic Access

  • Avoid Touching Your Assets

  • Guaranteed Growth Rate

INCREASE

Transform Your Home Equity into a Powerful Retirement Tool

Today's financial experts recognize reverse mortgages as sophisticated planning instruments, not just loans of last resort. By strategically incorporating your home equity, you can extend your portfolio's longevity during market downturns, optimize Social Security by delaying benefits until age 70 (increasing lifetime payments by up to 32%), and create tax-efficient income streams. Many homeowners establish a growing line of credit that increases over time, providing greater financial flexibility as they age, while eliminating their largest monthly expense—mortgage payments. Research published in the Journal of Financial Planning shows this approach can increase retirement portfolio survival rates by over 30% compared to traditional strategies.

FEATURES

Non-Recourse Protection

Reverse mortgages offer a powerful financial safeguard through their non-recourse feature, eliminating one of the biggest concerns homeowners face. This protection ensures that neither you nor your heirs will ever owe more than your home is worth, regardless of how long you live or what happens to property values. If your loan balance grows to exceed your home's value due to market changes or longevity, FHA insurance covers the difference—not you or your family.

TESTIMONIALS

What others are saying

"Loved everything so far"

"When my wife entered a nursing home, our lifetime savings began to drain rapidly due to the high expenses. This financial relief has been invaluable, preventing the loss of our retirement funds. I am incredibly grateful and would highly recommend this to anyone facing similar financial challenges."

- Ben Jackson

"My life changed forever"

"We were really struggling with our mortgage and credit card debt. Being on a fixed income and working part-time, it got so bad that we were rationing our medications and even missing meals. Now, we no longer have to worry about losing our home or sacrificing our health."

- Margo & Emit

"Highly recommend this"

"After losing my husband, I was overwhelmed with financial uncertainty. I didn't have a mortgage but I took a big loss of my income, I struggled to catch up on bills and needed funds for home improvements."

- Loren Richards

STILL NOT SURE?

Frequently Asked Questions

Will my heirs inherit a large debt?

Reverse mortgages are non-recourse loans, meaning neither you nor your heirs will ever owe more than the home is worth, regardless of how large the loan balance grows. Your heirs have multiple options when the loan comes due.

Can the bank force me to leave my home?

No, you cannot be forced to leave as long as you maintain the home as your primary residence, keep up with property taxes and homeowners insurance, and maintain the property in good condition.

Will I still own my home with a reverse mortgage?

Yes, absolutely. You retain full ownership and title to your home. The reverse mortgage is simply a loan secured by your property, similar to a traditional mortgage, but without required monthly payments.

Are reverse mortgages expensive?

Costs are comparable to traditional mortgages when viewed over the life of the loan. While there are upfront costs, they can be financed into the loan amount, requiring little or no out-of-pocket expense.

We Do Business in Accordance With Federal Fair Lending Laws

UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO: Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or to deny any loan secured by a dwelling; or

Discriminate in fixing the amount, interest rate, duration, application procedures, or other terms or conditions of such a loan or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO: Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing and Urban Development Washington, DC 20410

Company NMLS: 347351

American Integrity Financial is a proper DBA

Click here for All our Licenses

G.W. Golden Financial is a DBA for G.W. Golden Enterprises, Inc.

CA Bureau of Real Estate- Real Estate Broker- DRE # 01990448

NMLS Endorsement ID # 1425546

Loans made or arranged Pursuant to Finance Lenders Law License # 60DBO-48676

These Materials are not from HUD or the FHA and were not approved by HUD or any Government Agency.

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