Already have a reverse mortgage quote? Get a free second opinion.

Before you sign, have one of our licensed professionals look it over: whether the program fits, what you'd really get, total costs, and whether another option could leave you more. Free, and no pressure.

Who this is for

Homeowners with a proposal

You've talked with a lender or seen an offer and want to know if it's a good fit before you commit.

Adult children and family

You're helping a parent decide and want an independent look at what they've been offered.

Financial advisors and CPAs

A client brought you a reverse mortgage proposal and you'd like a mortgage professional's read on it.

What gets reviewed

  • The program: HECM (FHA-insured), private (jumbo), or second-lien, and whether another type might fit you better.
  • What you'd actually get: how much you can use, and how much goes to paying off your current mortgage and closing costs.
  • Total upfront costs, in writing, and how they compare with other options.
  • How the balance grows over 5, 10 and 15 years, and what that means for your equity and your heirs.
  • How the money is paid: lump sum, monthly payments or a line of credit, and whether that matches your plans.
  • Protections: who's on the loan, what happens to a spouse, and what keeps the loan in good standing.

What to have ready

Whatever you have is fine. Don't upload anything here: the loan officer will explain how to share documents securely.

  • The Loan Estimate or proposal you received
  • The loan comparison or amortization schedule, if you have one
  • Your counseling certificate, if you've done counseling
  • A recent statement for your current mortgage

Red flags worth a second look

  • Pressure to sign quickly or skip reading the documents
  • Being told to buy insurance, annuities or investments with the money
  • A spouse who lives in the home but isn't on the loan, with no plan for them
  • Costs that weren't explained or changed late in the process
  • Someone other than you asking to control the money

For more warning signs and questions, see 10 questions to ask any reverse mortgage lender.

How it works

  1. Send the short form below. It takes about a minute.
  2. One of our licensed professionals in your state reaches out by phone or email, usually within one business day.
  3. You go over your quote together and get a plain-English read on it, plus any other options worth comparing.
  4. You decide. There's no obligation, and you can keep the lender you have.
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Request your second opinion

By submitting this form, you agree that a licensed reverse mortgage professional may contact you by phone or email about your request. Your information is not sold or shared beyond that. Please don't include account numbers or Social Security numbers. This form is for educational inquiries only and does not constitute a loan application.