Your mortgage, your way.
With a Flex payment Mortgage, your home is your key to financial flexibility.
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What is a Flex Payment Mortgage?
It's a suite of loan programs and services that empower qualified borrowers to make better use of their home equity without selling the home. Flex Payment Mortgages include federally insured Home Equity Conversion Mortgages (HECMs) as well as options for larger loan amounts and HECMs for purchase.
Popular uses for a Flex Payment Mortgage:
- Eliminate mortgage payments**
- Supplement income
- Make home improvements
- Pay for large expenses
- Move closer to family
- Purchase a new home better suited for you
Use our calculator to see what a Flex Payment Mortgage can do for you
Calculate
Flex Payment Home Equity Conversion Mortgage (HECM)*
Flex Payment HECM for Purchase Mortgage*
Flex Payment Refinance
Flex Payment Jumbo Mortgage
Is a Flex Payment Mortgage right for you?
A Flex Payment Mortgage may allow you to leverage your home equity if all of the below apply:
For homeowners aged 62 or older- Own and occupy your home as your primary residence
- Stay current on property taxes
7 steps to financial freedom
- Complete an applicationProvide all qualifying information to us. We'll provide you a list of what we'll need.
- Attend a counseling sessionWe'll connect you with a HUD counselor.
- Complete a financial assessmentWe'll look at your equity and finances to see if a Flex Payment Mortgage is right for you.
- Get a home appraisalAn appraiser will let you know if any repairs need to be made within 6 months of closing.
- Choose how you would like to receive your fundsYour loan officer will work with you to decide how you would like to structure your loan to accomplish your goals.
- Prepare for closingSet a date to review and sign your closing documents.
- Enjoy your fundsYour existing mortgage is paid off with the Flex Payment Mortgage and the remaining funds are yours to spend however you'd like.
*Flex Payment Mortgage is Guild's version of a reverse mortgage. HECMs are federally insured by the FHA.
**Borrower must maintain home as principal residence, pay all taxes, insurance, maintain the home, and comply with all other loan terms.
Ready to get started?
