HomeSafe — Jumbo Reverse Mortgage
A proprietary reverse mortgage designed for homeowners with higher-value properties. Access more equity than a standard HECM, starting at age 55.
More equity access for higher-value homes.
HomeSafe is a proprietary reverse mortgage product — meaning it’s offered by private lenders, not insured by FHA. Because it isn’t bound by FHA loan limits, it can provide significantly larger loan amounts for homeowners with high-value properties.
It’s also available to homeowners as young as 55, making it the broadest reverse mortgage option for California homeowners who don’t yet qualify for a HECM.
“HomeSafe opens the door for younger homeowners and those with higher-value properties who are underserved by the standard HECM program.”
— Aaron Johnson, Sr. Mortgage AdvisorNo FHA cap means significantly more available equity for homeowners with properties valued above the HECM limit.
Eligible homeowners can access HomeSafe seven years earlier than the standard HECM minimum age of 62 (varies by state).
Like all reverse mortgages, HomeSafe requires no monthly mortgage payments as long as you live in the home and meet loan obligations.
Which program is right for you?
| HECM | HomeSafe | |
|---|---|---|
| Minimum Age | 62 | 55 (most states) |
| FHA Insured | Yes | No (proprietary) |
| Loan Limit | $1,209,750 (2025) | Up to $4 million |
| No Monthly Payments | Yes | Yes |
| Non-Recourse Protection | Yes | Yes |
| Required Counseling | Yes | Yes |
Age minimums vary by state. Not all HomeSafe products available in all states. Contact Aaron for eligibility details specific to your situation.