HECM Mortgages

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HECM Mortgage Overview

Here we have an overview of HECM Mortgages. Speak with your Care Advocate regarding your specific needs.

In the past, HECM (home equity conversion mortgages) were referred to simply as reverse mortgages. Due to unethical marketing practices and loan features which were not consumer friendly the loan product received a bad reputation and its popularity waned.

Today, the HECM has seen a resurgence in popularity due to changing demographics, changing perceptions of the loan and new consumer protections.

You are eligible for a reverse mortgage if:

  • You are 62 years of age or older
  • You own your home and use it as your primary residence
  • The house is single family, multi-family (up to 4), or an approved condominium or manufactured home
  • You own your own home free and clear or only have a small amount left to pay on the existing mortgage
  • Your home is in good condition prior to taking out the loan

You may want to consider a reverse mortgage if:

  • You need to utilize home equity as part of an estate plan
  • You need or expect to need costly in-home private duty caregiver services.
  • You or your spouse need long-term care in a care facility and one spouse will be remaining in the home

While the HECM loan rules are set by the federal government and insured by the federal government, the loans are originated by private lenders. If you are considering a HECM loan speak with your Care Advocate. They can advise which HECM lenders have the best reputations for communication, professionalism and low loan fees.



Read our CareWise testimonials from clients who have been where you are now. Our services will give you peace of mind too.

More client testimonials can be found on our Google and Facebook pages, linked below.

I could not be happier with the services provided by CareWise. Genevieve was incredibly professional and kind during the process of finding a home that could give the attention necessary for my brothers needs. Just having someone who would LISTEN to our needs took so much pressure off.


Patrick and Genevieve have worked tirelessly and with great expertise to help me find and vet the right facility for my mother. They have a broad and deep knowledge of the facilities in the greater Scottsdale area and have helped me with hundreds of details and important information about each of the choices I reviewed.


My elderly brother needed a new living arrangement after he convalesced following a hospital stay. My nephew connected with Patrick and Genevieve through the hospital and we could not have found the perfect place for my brother without them. There are so many options in the Phoenix area that none of us had the time to figure out what place would be best for him. The experience was great and they are both very caring and knowledgeable. I would highly recommend them if a family was in need of finding the perfect place for a family member.



Our Advocates dont just talk you through the process. Whether you need our support by phone or bedside, we are there for you where you need us and when you need us.

Cell: (480) 544-1206

Email: [email protected]

Cell: (602) 405-7311

Email: [email protected]

Make An Appointment

Our Care Advocates are ready to help with any and all of your care needs. You can call 602-699-3944 anytime to speak with a Care Advocate or if you would prefer you can schedule an appointment below.