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FHA Reverse Mortgages (HECM)

Helping You Stay Happy, Secure, and at Home in Retirement

At Carrollton Mortgage, we know you want to be a confident, happy homeowner — today and throughout retirement. To get there, you need financial flexibility that allows you to enjoy life on your terms, without the pressure of monthly mortgage payments.

But here’s the challenge:

As costs rise and life evolves, many retirees face the uncertainty of how to access cash while staying in the home they love.

That’s where an FHA Reverse Mortgage, also known as a Home Equity Conversion Mortgage (HECM), can help.

It’s the only reverse mortgage insured by the U.S. government — and one of the most powerful tools for giving homeowners aged 62 or older the ability to tap into their home’s equity while staying put.

Since 1989, we’ve helped thousands of people — just like you — use the right reverse mortgage to build stability, confidence, and freedom in retirement.

Key Features of an FHA Reverse Mortgage

✅ Access a portion of your home’s equity based on your age, home value (up to FHA limits), and current interest rates

✅ Stay in your home indefinitely — just keep up with property taxes, insurance, and home maintenance

✅ Use a HECM to purchase a new primary residence if it fits your goals

✅ No required monthly mortgage payments — repayment typically happens when the last borrower leaves the home or passes away

✅ Line of Credit Option: HECM credit lines remain fully available for the life of the loan as long as terms are met — unlike non-HECM reverse lines that often expire after 10 years

✅ Tenure Payments Option: Receive guaranteed monthly payments for as long as the loan remains in good standing — providing reliable cash flow without selling your home

✅ Only one spouse needs to be 62 or older — a younger non-borrowing spouse can remain in the home for life (if loan terms are met and marriage remains intact)

✅ Like all reverse mortgages, the loan is secured by your home and accrues interest — which means equity will decrease over time as interest compounds until the loan is repaid

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Why It Matters That Adam Weinert of Carrollton Mortgage Is a Certified Reverse Mortgage Professional

When considering a reverse mortgage, working with someone you trust isn’t just a preference—it’s essential. That’s why Adam Weinert’s designation as a Certified Reverse Mortgage Professional (CRMP) matters deeply.

The CRMP credential is the highest certification available in the reverse mortgage industry. It is awarded by the National Reverse Mortgage Lenders Association (NRMLA)—the national voice of the reverse mortgage industry—only to professionals who meet strict standards of experience, ethics, and ongoing education.

To earn the CRMP title, candidates must:

Have at least three years of experience specifically in reverse mortgage lending.

Complete advanced coursework and pass a rigorous written exam covering everything from federal regulations to ethical guidance and client counseling.

Submit to a comprehensive background check.

But earning the designation is just the beginning. CRMPs must complete continuing education every year and remain in good standing with NRMLA by adhering to its Code of Ethics and Professional Responsibility, ensuring that clients receive guidance rooted in current best practices and unwavering integrity.

By choosing Adam, you’re working with a professional who has gone above and beyond to demonstrate his expertise and commitment to doing what’s right for you. You can be confident that you’re receiving personalized advice from one of the most qualified experts in the field—someone who’s nationally certified and California focused to help you make informed, secure decisions about your financial future.