Florida's #1 Reverse Mortgage Team

Your Home Paid You Back.
Finally.

Thousands of Florida homeowners have unlocked their equity with a reverse mortgage — no monthly payments, no stress, no giving up your home. You lived in it. You earned it. Now let it work for you.

2,400+
Florida Closings
$890M+
Funded
4.9★
Google Rating
MR
★★★★★
After my husband passed, I was drowning in bills. The reverse mortgage didn't just save my home — it gave me my life back. I can finally breathe again. Thank you, 911 Mortgage Team.
Margaret R.
Reverse Mortgage — Boca Raton, FL
🏠
Stay In Your HomeNo monthly mortgage payments
💰
Tax-Free CashUse it for anything you need
Simple Process

How a Reverse Mortgage Works

You've built equity your whole life. A reverse mortgage lets you turn that equity into cash — tax-free — while you stay in your home. Here's how:

1
📞

Free Consultation

Talk to Alex or Ben. No pressure, no jargon — just straight answers about your options and how much you qualify for.

2
📋

HUD Counseling

Required by law — and for good reason. An independent HUD counselor makes sure you understand every detail before moving forward.

3
🏠

Appraisal & Processing

We handle everything. Appraisal, title, insurance — our team processes your loan so you don't have to chase anyone.

4
🎉

Close & Get Paid

Sign at your kitchen table. Receive your funds as a lump sum, monthly payments, or line of credit — your choice. No mortgage payments ever.

What We Offer

Mortgage Solutions That Actually Help

Whether you're 62+ looking to unlock equity or buying your first home — we've got you covered.

🔑

Conventional Loans

Standard purchase and refinance loans with competitive Florida rates. From first-time buyers to seasoned investors.

  • Fixed & adjustable rates
  • 5% down options available
  • Purchase & rate-term refinance
  • Cash-out refinance
  • Quick closing — 21 days avg
🇺🇸

FHA & VA Loans

Government-backed programs that make homeownership accessible — especially for first-time buyers and veterans.

  • FHA: 3.5% down, 580+ credit
  • VA: Zero down, no PMI
  • Streamlined refinancing options
  • More forgiving credit standards
  • Florida specialist
Free Tool

Reverse Mortgage Calculator

See how much tax-free cash you could access. No signup, no spam — just real numbers.

Estimate Your Proceeds

Estimated Available Proceeds

$0
Fill in your details and click calculate
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Principal Limit Factor
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Max Claim Amount
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MIP (2%)
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After Payoff

This is an estimate. Your actual proceeds depend on appraisal, rates, and program limits.

Get Your Exact Quote →
🏠 Property Search

Find Your Next Home

Searching for properties in Florida? Tell us what you're looking for and we'll find matches and get you pre-approved at the same time.

What Are You Looking For?

🔍

MLS + Off-Market Access

We search listed properties AND off-market deals you won't find on Zillow.

📊

Pre-Approval Built In

Find a property and get your financing locked in the same conversation. No running around.

🤝

Local Florida Experts

We know South Florida neighborhoods, HOA rules, insurance costs, and flood zones inside out.

Close in 21 Days

Our average closing time. Most lenders need 45+ days. We move fast because we know the local market.

1003 Uniform Loan Application

Get Pre-Approved Online

The same standard application every lender uses — filled out right here. We'll review it same-day and call you with next steps.

Start Your Application

Section 1 of 3 — Personal Information

🔒 Your information is encrypted and never shared. NMLS #TBD

What Happens Next?

Your 1003 goes directly to Alex or Ben — not some call center.

1

We Review Your Application

Alex or Ben personally reviews your 1003 within 2 hours — usually faster.

2

Personal Phone Call

We call you to discuss your goals, explain your options, and answer every question. No scripts, no pressure.

3

Pre-Approval Letter

Get your pre-approval letter the same day. Use it to shop with confidence — sellers know you're serious.

4

We Close Your Loan

From application to keys in hand — average 21 days. We handle the paperwork, you sign at your kitchen table.

✓ No Application Fee
Zero cost to apply. Zero obligation. We only get paid when your loan closes.
Real Stories

They Trusted Us With Their Home

Every story is real. Every homeowner stayed in their home. That's the reverse mortgage difference.

★★★★★

"My husband left me with a mortgage I couldn't afford. I was terrified of losing the house we raised our kids in. The reverse mortgage paid off that mortgage AND gives me $1,800 a month. I cry happy tears every month."

DR
Dorothy R.
Reverse Mortgage — Delray Beach, FL
★★★★★

"I was skeptical — everyone told me reverse mortgages were a scam. Alex walked me through every single number. Turns out I could access $180K and never make a payment again. I wish I'd done this sooner."

RH
Robert H.
Reverse Mortgage — Palm Beach Gardens, FL
★★★★★

"We needed $95K for home repairs and medical bills. Our line of credit gave us access whenever we need it — and the unused portion actually GROWS over time. Alex made it so easy."

MC
Maria C.
HECM Line of Credit — Boynton Beach, FL
Your Closers

Meet the Team Behind Your Loan

No call centers. No 800 numbers. You work directly with Alex and Ben from day one to closing day.

AR

Alex Rinehart

Closing Expert — Standard Florida Mortgage

Alex specializes in conventional, FHA, and VA loans across Florida. Whether you're buying your first home, upgrading, or refinancing — Alex knows how to get you to the closing table fast. 21-day average close.

Florida Licensed Mortgage Loan Originator
BR

Ben Rodriguez

Closing Expert — Reverse & Conventional

Ben handles reverse mortgage and conventional loan closings with the same no-BS approach. He's helped hundreds of Florida homeowners unlock equity, buy homes, and refinance. Direct line, direct answers.

Florida Licensed Mortgage Loan Originator
Got Questions?

Reverse Mortgage FAQ

The honest answers — no spin, no fine print.

Will I lose my home with a reverse mortgage? +
No. You keep the title. You stay in your home. A reverse mortgage is a loan against your equity — the bank does NOT take your house. As long as you pay property taxes, insurance, and maintain the home, you live there for life.
Do I have to make monthly payments? +
No. That's the whole point. With a reverse mortgage, you receive money FROM the lender — not the other way around. The loan is repaid when you sell the home, move out permanently, or pass away.
What if I owe more than the house is worth? +
HECM reverse mortgages are FHA-insured and non-recourse. That means you (or your heirs) will never owe more than the home is worth. If the loan balance exceeds the sale price, FHA insurance covers the difference. Not your problem.
How much money can I get? +
It depends on your age, home value, and current interest rates. Generally, the older you are and the more equity you have, the more you can access. Use our calculator above for an instant estimate, or call Alex for exact numbers.
Can I still leave my home to my kids? +
Yes. Your heirs inherit the home. They can sell it and keep any equity above the loan balance, or they can refinance the reverse mortgage into a regular loan and keep the house. They have options — you're not taking that away.
Is a reverse mortgage a scam? +
No. HECM reverse mortgages are insured by the FHA and regulated by HUD. You're required to complete independent HUD counseling before you can even apply. It's one of the most protected financial products available to seniors. That said — work with someone you trust. That's us.
What's the catch with "no monthly payments"? +
The loan balance grows over time because interest accrues — but you're not making payments. The trade-off is that your equity decreases as the balance grows. For most seniors, the cash flow relief is worth far more than the equity they give up. And remember: you'll never owe more than the house is worth.

Ready to Unlock Your Equity?

One call. Zero pressure. Real numbers. Talk to Alex or Ben today.

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