Free Florida Reverse Mortgage Resources

Passing Your Home to the People You Choose

Many Florida homeowners we work with, 55 and older, want to know one thing beyond the loan itself: that when the time comes, their home goes where they intend, whether that is to their children, to another family member, or to a church or organization they care about.

A reverse mortgage is repaid when the last borrower leaves the home, and whatever equity remains after that belongs to your estate.

What we can do is make the logistics easier. When you close a reverse mortgage with Sunshine State Home Loans, we can arrange for an attorney who works with the title company to prepare and record an enhanced life estate deed, sometimes called a lady bird deed, as part of your closing. You don't have to find an attorney yourself or schedule a separate trip, it happens alongside the paperwork you're already signing. The title company charges its own fee for preparing and recording it, and they'll quote it to you.

This is only available as part of closing a loan with us, it isn't a standalone service, and it's entirely between you and that attorney. We don't receive anything for connecting you.

If this is something you'd like to look into, mention it when you talk with us about your reverse mortgage.

Sunshine State Home Loans is a mortgage broker, not a law firm, and we don't give legal advice. NMLS 1901827.

Refinancing a Reverse Mortgage You Already Have

Already have a reverse mortgage? Refinancing one into another has its own rules, including a twelve month seasoning requirement and a required benefit test that has to pass first. Written for homeowners who already know how their current loan works.

Florida Condo, No FHA Approval

Most Florida condo communities are not on the FHA approved list. Our proprietary reverse mortgage does not require that approval.

Available at Age 55

The FHA program requires age 62. Our proprietary reverse mortgage is available seven years earlier starting at age 55.

Condo Reverse Mortgage Florida

Florida's specialist in condo reverse mortgages. No FHA community approval required.

Unapproved Condo Solution

Told your condo does not qualify? That answer only applies to government loans. We may be able to help.

Proprietary Reverse Mortgage

Already know you want a proprietary product? We specialize exclusively in proprietary reverse mortgages for Florida homeowners.

Florida Reverse Mortgage at Age 55

Specifically for Florida homeowners aged 55 to 61 searching by location and age.

Non-HECM Reverse Mortgage

For educated buyers who know what a HECM is and want a private alternative.

Reverse Mortgage at Age 55

For homeowners searching this exact phrase looking for immediate answers.

Florida Jumbo Reverse Mortgage

For high value Florida properties needing loan amounts above standard limits.

Reverse Mortgage for Veterans

There is no VA reverse mortgage. Florida veterans, service members, and surviving spouses 55 and older may qualify for our proprietary reverse mortgage.

Super Jumbo Reverse Mortgage

For Florida properties requiring loan amounts up to $4 million or case by case review.

Florida Condo Reverse Mortgages

For condo owners searching the plural term and comparing options.

Proprietary Choice Reverse Mortgage

For homeowners searching for Florida's proprietary reverse mortgage program by name.

Reverse Mortgage Before 62 in Florida

For Florida homeowners age 55 to 61 who cannot yet use the FHA HECM program. Eight program facts explained, including the 55 eligibility, the 60 day early application rule, and the refinance-only Residual Income Waiver.

Miami Beach Reverse Mortgage

Serving Miami Beach condo owners 55 and older without FHA approval. Loan amounts up to $4 million.

Venice Florida Reverse Mortgage

Serving Venice and Sarasota County homeowners 55 and older. No FHA approval required.

Marco Island Reverse Mortgage

Serving Marco Island homeowners and condo owners 55 and older. Loan amounts up to $4 million.

Bonita Springs Reverse Mortgage

Serving Bonita Springs and Lee County homeowners 55 and older. No FHA approval required.

How to Refinance a Hard Money Loan in Florida

Stuck in a hard money loan with high interest and a balloon payment? A reverse mortgage may be able to pay it off with no required monthly mortgage payments*.

*No required monthly mortgage payment. Borrower remains responsible for property taxes, homeowner's insurance, HOA dues, special assessments, and property maintenance. Loan balance becomes due upon sale, vacating the property, or borrower's passing.

Hard Money Loan Exit Strategies for Florida Homeowners Age 55+

Explore your options for getting out of a hard money loan. Learn how a reverse mortgage compares to selling or conventional refinancing.

Refinance Your Private Mortgage in Florida

Carrying a private mortgage with high interest? A proprietary reverse mortgage may be able to pay off your private loan balance.

Use a Reverse Mortgage to Pay Off Your Hard Money Loan

Already know you want a reverse mortgage to exit your hard money loan? We specialize in this exact transition for Florida homeowners 55 and older.

How to Refinance a Home Equity Investment in Florida

Locked into a home equity investment with appreciation sharing? A proprietary reverse mortgage may provide the funds to pay off your HEI balance. Available for Florida homeowners 55 and older.

Exit Your Home Equity Agreement in Florida

Feeling trapped in a home equity sharing agreement? Learn about your exit options and how a reverse mortgage may help you end the appreciation sharing obligation.

Home Equity Investment Exit Options for Florida Homeowners 55+

Explore all the ways to get out of a home equity investment. For homeowners 55 and older, a proprietary reverse mortgage may be the strongest exit strategy.

Get Out of Your Home Equity Agreement

Ready to exit your home equity agreement? A reverse mortgage may provide the funds to pay off the balance and end appreciation sharing. Call us for a free analysis.

How to Refinance Your HELOC in Florida

HELOC draw period ending? Payments jumping? A reverse mortgage may provide the funds to pay off your HELOC balance. No required monthly mortgage payments. Available at age 55.

HELOC Draw Period Ending? Your Options

When your HELOC draw period ends, payments can double or triple. Learn how a reverse mortgage may help you avoid payment shock and stay in your home.

Pay Off Your HELOC with a Reverse Mortgage

Compare your HELOC to a reverse mortgage side by side. See how switching may eliminate your monthly HELOC payments while keeping your line of credit open.

Get Out of Your HELOC

Ready to get out of your HELOC? A reverse mortgage may provide the funds to pay off your balance entirely. No required monthly mortgage payments. Call for a free analysis.

How to Refinance an ARM in Florida

Is your ARM rate about to reset? A reverse mortgage may provide the funds to pay off your adjustable rate mortgage. No required monthly mortgage payments. Available at age 55.

ARM Exit Options for Florida Homeowners 55+

Explore your options when your ARM rate keeps rising. Learn how a reverse mortgage may solve the ARM problem for Florida homeowners age 55 and older.

Switch from an ARM to a Reverse Mortgage

Trade your unpredictable ARM payments for a reverse mortgage with no required monthly mortgage payments. See how the switch works and if you may qualify.

Get Out of Your Adjustable Rate Mortgage

You want out of your ARM. The rate keeps resetting and payments keep climbing. A reverse mortgage may be your way out. Call for a free comparison.

How to Refinance a PACE Loan in Florida

Stuck with a PACE loan? Most lenders will not refinance over a PACE lien. A reverse mortgage may provide the funds to pay off your PACE assessment.

PACE Loan Exit Options for Florida 55+

Learn what a PACE loan is, why it is hard to get out of, and how a reverse mortgage may provide the funds to pay off your PACE assessment and remove the lien.

Pay Off Your PACE Loan with a Reverse Mortgage

Compare your PACE loan to a reverse mortgage. See how paying off the PACE assessment may remove the lien from your property and eliminate the annual cost.

Get Out of Your PACE Loan

Want out of your PACE loan? A reverse mortgage may provide the funds to pay off the assessment and remove the lien. No required monthly mortgage payments. Age 55+.

Use a Reverse Mortgage to Pay Off Credit Card Debt

Carrying credit card balances into retirement? A reverse mortgage may provide the funds to pay off high-interest debt. No required monthly mortgage payments. Available at age 55.

Senior Credit Card Debt Relief Options

Florida homeowners 55 and older may qualify to use home equity to eliminate credit card debt. Learn how a proprietary reverse mortgage works and if it may be right for you.

Credit Card Debt Relief for Florida Homeowners

High-interest credit card debt is one of the biggest financial burdens for Florida seniors. Explore how a reverse mortgage may help you pay it off with no required monthly mortgage payments.

Pay Off Credit Card Debt at 55+

You do not have to wait until 62. Florida homeowners 55 and older may use a proprietary reverse mortgage to pay off credit card balances and free up monthly cash flow.

Eliminate Card Debt with Home Equity

Turn your home equity into a debt-free retirement. A reverse mortgage may provide the funds to pay off your credit cards entirely. No monthly mortgage payments required.