Reverse Mortgages Have Changed
Flexible financial tools designed to fit your life and your goals
Unlock the Wealth in Your Home
A modern reverse mortgage lets you stay in your home while accessing tax-free equity that can be used however you need. You remain the owner of your home and are not required to make monthly mortgage payments. The funds can be applied toward everyday expenses, in-home care, lifestyle improvements, or preserving wealth for your family. It is a safe, flexible financial tool designed to provide freedom and peace of mind.
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30+
30+ Years Experience
Decades of trusted expertise in mortgages.
6k+
6,000+ Clients Served
Families across Florida have chosen Heide.
$50M+
$50M+ Equity Unlocked
Helping clients access their home wealth.
Local
Serving All of Florida
A mortgage partner rooted in your community.
Why Reverse Mortgages Today?
Unlock up to $4 million in tax-free home equity.
Access the wealth tied up in your home without having to sell or move. Use it for lifestyle improvements, investments, or unexpected expenses.
Reduce portfolio stress and improve after-tax returns.
A reverse mortgage can provide steady cash flow so you don’t need to overdraw retirement accounts or sell investments too soon.
Fund in-home health care or equalize inheritance.
Ensure your family’s needs are covered—whether that’s paying for care or balancing estate distribution fairly.
Support divorce home buyouts without selling.
Both spouses can maintain independent lifestyles by financing a fair buyout without forcing the sale of the home.
Boost purchasing power for home buyers with no monthly mortgage payments.
Buy the home you want with fewer restrictions, while eliminating the burden of monthly mortgage payments.
Keep your low fixed-rate mortgage and add a reverse line of credit.
Today’s programs let you keep your great existing loan while layering on flexible access to home equity
Who Benefits
Retirees: Improve lifestyle with added cash flow.
Free up money to cover daily expenses, travel, or enjoy retirement without worrying about draining savings.
Wealth Managers: Use as a strategic financial tool.
Incorporate reverse mortgages to ease withdrawal pressure on portfolios and improve long-term performance.
Estate Planning Attorneys: Preserve generational wealth.
Use home equity to balance inheritances or create fairer estate distributions without liquidating assets.
Divorcing Couples: Finance fair home buyouts.
Provide both spouses with independence while keeping property ownership options flexible.
Home Buyers: Increase purchasing power with flexibility.
Buy a more suitable home with fewer restrictions, while eliminating the burden of monthly mortgage payments.
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About Heide International
Since 1992, Kurt Heide has been your local mortgage expert. Today, Heide International brings decades of expertise with modern reverse mortgage strategies tailored to your needs.
Discover how a modern reverse mortgage can work for you.
FAQs
Do I still own my home with a reverse mortgage?
Yes. You remain the legal owner of your home. A reverse mortgage only allows you to access your equity without selling the property.
Are monthly mortgage payments required?
No. There are no required monthly payments. You are still responsible for property taxes, insurance, and basic upkeep.
How much can I access?
Depending on your age, home value, and program, you may be able to unlock up to $4 million in tax-free equity.
What can I use the funds for?
The funds are flexible. Many clients use them for in-home care, lifestyle improvements, paying off debt, estate planning, or even purchasing a new home.
Can I keep my current low-rate mortgage?
Yes. New programs allow you to keep your first mortgage and add a reverse line of credit or second mortgage for additional flexibility.
What happens when I move out or pass away?
The loan becomes due when the last borrower permanently leaves the home. At that time, the home is sold and any remaining equity belongs to you or your heirs. Reverse mortgages are non-recourse loans, which means neither you nor your estate will ever owe more than the home’s value.
Who qualifies for a reverse mortgage?
In most cases, homeowners 62 or older (55 for some programs) who live in the property as their primary residence may qualify. Condos, single-family homes, and townhouses are eligible depending on FHA approval.
Are the funds taxable?
No. The money you receive is tax-free because it comes from your home equity, not income.
What are my payout options?
You can receive funds as a lump sum, monthly payments, a line of credit, or a combination—giving you flexibility based on your needs.