Reverse Mortgage Loans — South Florida Quality Mortgage
FHA Insured — HECM Program

Reverse Mortgages in South Florida

Access your home equity without monthly mortgage payments. Available to homeowners age 62+. Stay in your home and improve your retirement cash flow.

62+Minimum age
HECMFHA insured program
NoMonthly payments required

Request a Consultation

Same-day response — no obligation, no pressure.

No obligation. No pressure. NMLS #376794

62+Age requirement
HECMFHA insured
NoMonthly payments required
23+Years in Florida
How It Helps
Benefits of a Reverse Mortgage

Access the equity you’ve built — without selling your home or making monthly payments.

Stay in Your Home

You remain the owner and continue living in your home. The loan is not due until you move out, sell, or pass away.

No Monthly Payments

No required monthly mortgage payments. You only need to maintain the home, pay taxes & keep insurance current.

Flexible Payout Options

Receive funds as a lump sum, monthly payments, a line of credit, or a combination — whatever works best for you.

FHA Insured — HECM

The HECM is insured by the FHA — one of the most regulated and consumer-protected loan programs available to seniors.

Pay Off Existing Mortgage

Eliminate your current mortgage payment entirely — freeing up monthly cash flow immediately.

Non-Recourse Loan

You or your heirs will never owe more than the home is worth. FHA insurance covers any shortfall.

How It Works
The Reverse Mortgage Process

We guide you through every step — from your first question to closing.

1

Free Consultation

We explain how it works, how much you may qualify for, and whether it’s right for you.

2

HUD Counseling

FHA requires a brief session with a HUD-approved counselor. We help you schedule it.

3

Application & Appraisal

We handle your application and coordinate the home appraisal to determine your loan amount.

4

Close & Access Funds

After closing you access your funds in your chosen format — lump sum, monthly, or credit line.

Why Choose Us
Why Choose SFQMC for Your Reverse Mortgage

A reverse mortgage is one of the most important financial decisions you will make. You deserve a lender who puts your interests first.

We Explain Everything Clearly

No pressure, no confusing jargon. We make sure you fully understand the program before making any decisions.

23 Years of Experience

We have been helping South Florida homeowners with reverse mortgages for over two decades.

Licensed & Local

Based in Miramar, FL. We are available to meet in person to discuss your options — no call centers.

Direct Lender & Broker

As both a direct lender and mortgage broker we have access to more programs and better terms for you.

Common Questions
FAQs
What is a reverse mortgage?
A loan that allows homeowners age 62+ to convert home equity into cash. No monthly payments required. The loan is repaid when you sell, move out, or pass away.
Do I still own my home?
Yes — you remain the owner throughout the life of the loan. You must continue to live in the home as your primary residence and keep up with taxes, insurance & maintenance.
How much can I borrow?
Depends on your age, home value, current interest rates & the FHA lending limit. Generally the older you are and the more equity you have, the more you can access. Call us for a free estimate.
What happens when I pass away?
Your heirs can sell the home to repay the loan, refinance into their own name, or walk away. The FHA insurance ensures they will never owe more than the home is worth.
What is required to qualify?
You must be 62+, own your home outright or have significant equity, live in it as your primary residence, and complete a HUD-approved counseling session.

These materials are not from HUD or FHA and were not approved by HUD or a government agency. This is not a commitment to lend. All loans subject to approval. South Florida Quality Mortgage Corp. NMLS #376794.

Ready to Learn More?

Free no-obligation consultation. No pressure. Available to meet in person in Miramar, FL.