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Private (Proprietary, non-FHA) Reverse Mortgages

Access More Equity. Live with More Freedom.

At Carrollton Mortgage, we know you want to be a confident, happy homeowner — for life. And sometimes, that means accessing more of your home’s value than traditional loans allow — especially if you own a high-value property.

But here’s the challenge:

FHA reverse mortgages (HECMs) come with borrowing limits and strict guidelines that don’t always fit your needs.

That’s where a Private (Proprietary) Reverse Mortgage can help.

These flexible, non-FHA loans are designed for homeowners who want to turn more of their home equity into usable cash — without monthly payments or having to sell the home they love.

Since 1989, we’ve helped thousands of people — just like you — find the right loan to support their life today and secure their future.

Why Choose a Private Reverse Mortgage?

✅ Borrow more — up to $4 million with some lenders

✅ Available as a lump sum or a line of credit

✅ No monthly mortgage payments required

✅ No FHA mortgage insurance premiums — saving you money up front

✅ More flexible approval — may work for certain condos and manufactured homes

✅ Access larger loan amounts than FHA reverse mortgages

✅ 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

You stay in your home. You stay in control. You gain financial freedom.

Who Qualifies?

Homeowners in California, typically age 55 or older

Must have significant home equity (usually 50% or more)

Home must be your primary residence

No minimum credit score required — but lenders will review your financial profile for stability

Begin the application

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.