Reverse Mortgages

Experienced Agents Counsel Seniors on the Benefits of Reverse Mortgages in St. Louis

Financial options when you need access to funds in Missouri, Illinois and Arkansas

Many seniors live on a fixed income but need more financial freedom. A reverse mortgage provides homeowners a vehicle to access cash flow or gives options to prepare for long term care costs. At Senior Health Solutions we advise clients about reverse mortgages, also called home equity conversion mortgages, and discuss how they may impact your individual situation.

Since 2002, our team has helped seniors navigate insurance and finances with compassion and understanding. We are on your side, and are happy to explain all of the information, answering any questions and addressing any concerns you and your family have.

If you are concerned about estate tax liabilities, or are worried about the risk of long term care expenditures, a reverse mortgage might be the right choice for you. You can use a reverse mortgage to pay off taxes, cover a life insurance trust or to increase your cash flow.

Multiple benefits to a reverse mortgage as part of your financial plan

A reverse mortgage gives seniors access to money when they need it. Our agents explain everything step by step. The good news is that with a reverse mortgage you:

  • Never have to leave your home
  • You retain the title to your property
  • Have no income, asset, medical or credit qualifications
  • Make no monthly mortgage payments
  • Receive the money TAX FREE
  • Reverse mortgages do not impact your Social Security or Medicare
  • You are free to use the funds as you wish

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Do you qualify for a reverse mortgage?
Our experienced agents outline the options

Each client has individual financial circumstances. That’s why reverse mortgages are so popular. Through a reverse mortgage you choose how you receive the funds, including:



  • Lump Sum

    A specific amount, available immediately

  • Term

    You receive funds in set monthly amounts over a certain period as per your request

  • Tenure

    Loan proceeds are distributed in equal monthly installments for as long as at least one homeowner continues to occupy the home as a primary residence

  • Line of Credit

    Funds remain available for you to draw on as needed or in automatic payments

  • Combination

    You can receive any combination of a lump sum, monthly, or line of credit distributions

Do I qualify for a reverse mortgage?

If you are 62 years or older and own your home, you could qualify for a reverse mortgage. The amount you can receive depends on your age, your home’s appraised value and current interest rates. As long as your home continues to be your primary residence, you do not need to repay the reverse mortgage. In addition, the interest may be tax-deductible upon loan repayment. To discuss your individual circumstances and plans, please speak with Senior Health Solutions.



Contact our St. Louis-based agency to learn more
Our agents understand that you have questions
Your family may have concerns, too. We are happy to educate you on how reverse mortgages work and discuss your individual circumstances, as well as how they can be utilized to help secure your financial future. Call (314) 266-1199 to make an appointment.
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