Jumbo Reverse Mortgage

Reverse mortgage financing for high-value homes, built for properties worth well above the FHA lending limit.

Unlock the Full Value
of a High-Value Home.

A HECM only counts your home’s value up to $1,249,125 in 2026. If your home is worth more, a jumbo reverse mortgage lets you access equity based on a much higher value, with loan amounts that can reach into the millions and no required monthly mortgage payments.

Built for homes above the HECM limit

Up to $4 million on some programs

No required monthly mortgage payments

Lump sum or line of credit options

Get Your Free Quote

Call Us: 800-558-0475

Why Choose a Jumbo Reverse?

For homeowners with significant equity, the HECM cap can leave a large share of your home’s value untouched. A jumbo reverse mortgage is designed to put more of it to work.

Eligibility

Homeowners 62 and older, or 55 and older in select states, with a high-value primary residence.

Higher Limits

Proceeds are based on your home’s value well beyond the FHA cap, up to $4 million on some programs.

Payout Options

Choose a lump sum at closing, a line of credit, or a structure that fits your financial plan.

Retirement Planning

Use home equity alongside your investments as part of a broader retirement and estate plan.

Access More Equity

Borrow against the true value of your home instead of a capped value, often yielding far more than a HECM.

Coordinated Planning

We work alongside your financial advisor or CPA so your jumbo reverse fits your wider retirement plan.

In-House Processing

From application to closing, your loan stays with our team. No third-party processors, no handoffs.

The Details

Understanding the
Jumbo Reverse.

A jumbo reverse is a proprietary reverse mortgage designed for luxury and high-value properties. Here is what sets it apart and what to expect.

How It Compares to a HECM

A HECM calculates proceeds using a home value capped at the HUD limit. A jumbo reverse uses a far higher value, so homes worth well over $1.25 million can often access substantially more. It carries no FHA mortgage insurance premium.

Common Uses

Homeowners use jumbo reverse proceeds to pay off a large existing mortgage, create a standby line of credit, fund lifestyle and travel, cover long-term care costs, or reduce withdrawals from investment accounts during market downturns.

Your Ongoing Responsibilities

You keep the title and must live in the home as your primary residence, pay property taxes and homeowners insurance, and maintain the property. We explain every program term in plain language before you apply.

How It Works

Our Loan Process

Four clear steps from your first conversation to closing day, all handled by one in-house team.

Consultation

We start by understanding your goals. Your dedicated loan officer reviews your situation and recommends the right program.

Pre-Approval

Our technology compares your scenario across multiple investors in minutes. You get a clear picture of your rates, costs, and options.

Processing

Your in-house processor collects documents, orders the appraisal, and coordinates with title and closing. No third-party handoffs.

Closing

Final documents are prepared, reviewed, and signed. Funds are disbursed. Your loan officer stays with you through the last signature.

Ready to Get Started?

500 N. Franklin Turnpike, Suite 303
Ramsey, NJ 07446

Call: 800-558-0475
Email: info@ophomeequity.com

Frequently Asked Questions

Answers to the questions we hear most about jumbo reverse mortgages.

What home value qualifies for a jumbo reverse?

Jumbo reverse mortgages are typically the right fit when your home is worth more than the 2026 HECM limit of $1,249,125. We compare both options to see which delivers more for your situation.

How much can I borrow?

Some programs allow loan amounts up to $4 million. Your amount depends on your age, home value, current rates, and the program guidelines. We run personalized numbers at no cost.

Can I use it to pay off my current mortgage?

Yes. Paying off a large existing mortgage is one of the most common uses. Your current loan is paid at closing, eliminating that monthly payment.

Is there FHA mortgage insurance?

No. A jumbo reverse is a private program, so there is no FHA mortgage insurance premium. Standard closing costs still apply and are disclosed up front.

Do I keep ownership of my home?

Yes. You keep the title. You must live in the home, pay property taxes and insurance, and keep up with maintenance.

What happens when the loan is due?

The loan is repaid when the last borrower sells, moves out permanently, or passes away. Heirs can repay the balance to keep the home or sell it and keep any remaining equity.

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Jumbo Reverse Mortgage