Skip to content
Apply Now
Ready to get started?

Reach out and give us a call. We’re here to help.

Need support?

Have questions about your current product? Give us a call and we’ll sort it out.

No Monthly Mortgage Payment

Turn the equity you've built into the retirement you want

You've spent decades building equity in your home. A reverse mortgage lets you put that equity to work, whether you want to eliminate your monthly mortgage payment, cover everyday expenses, or finally buy the home that fits your retirement lifestyle.

Check My Eligibility
>

No obligation • Free consultation • No SSC to Start

evening 1
Programs for Ages 55+

• 62+ for FHA-insured HECM
• 55+ for Jumbo proprietary programs

How a Reverse Mortgage Works

You keep the title

Your name stays on the deed and you keep full ownership of your home, just like with a traditional mortgage.

Your balance grows over time

With a traditional mortgage, your payments reduce what you owe each month. With a reverse mortgage, there's no required payment, so interest adds to your balance instead. Your equity decreases over time, but you'll never owe more than your home is worth.

You'll never owe more than your home is worth

This is called a non-recourse loan. If your loan balance ever exceeds your home's value, FHA-insurance covers the difference, protecting you and your heirs.

How You Can Use a Reverse Mortgage

Three paths to a stronger retirement

Whether you're planning to stay in your home, purchase a new one, or access the equity you've built, reverse mortgage solutions can provide greater financial flexibility in retirement. Explore the option that's right for you.

gardener
Refinance

Eliminate your monthly payment

Ideal for homeowners on a fixed income who want to stop a monthly principal and interest payment for good.

  • Stay in your home longer - free up monthly cash flow instead of depleting savings
  • Keep up with rising costs - absorb property tax, insurance cost-of-living increases without strain
  • Build a financial cushion - convert idle equity into a standby line of credit or monthly income

Purchase

Buy more home than you thought possible

Ideal for homeowners who are relocating, downsizing, or moving closer to family.

  • Increase your purchasing power - buy your next home without taking on a monthly mortgage payment
  • Move closer to family - afford a home near loved ones without straining your retirement savings
  • Keep more cash on hand - use less of your home as sale proceeds as a down payment, and keep the rest

HELOC & Home Equity

Improving retirement cash flow

Ideal for homeowners looking for additional liquidity without refinancing.

  • Keep your current mortgage rate – no need to replace your existing first mortgage.

  • Choose the option that fits your needs – available as a reverse second lien or a senior home equity line of credit.*

  • Use your equity your way – for retirement income, unexpected expenses, or major purchases.

*Program availability and payment requirements vary.

carwash

Experience Financial Freedom

Ask me how a Reverse Mortgage could benefit you.

Check My Eligibility
>
lo param: paul-reschke
row found: (HubDbTableRowMapFacadeImpl: {airtable_id=644, branch_slug=maple-grove, branch_slug_last_seen=maple-grove, branches=Maple Grove, MN, email=preschke@lower.com, encompass_username=preschke, exp_reviews={"overview":{"avg_score":"5.0","total_review_count":4,"five_star_count":4},"reviews":[{"reviewer_name":"Barry Wallace","reviewer_location":"Tucson, AZ","rating":"5.0","review_body":"Paul started working with us several months before we were actaully able to find a house and close a deal. But he never gave up or forgot about us. Paul did an amazing job of getting us the absolute best reverse mortgage product and rate. We just closed on our new home and Paul was the key factor in making it happen. But, above all that, he's the nicest person - patient, kind and very supportive. We would absolutely recommend him to all looking to for the best reverse mortgage specialist.","post_date":"2026-05-21T14:10:16.000Z"},{"reviewer_name":"George F McLaren II","reviewer_location":"SUN CITY WEST, AZ","rating":"5.0","review_body":"Paul was very knowledgeable, professional, and courteous. It was a pleasure working with Mr Reschke, and if we ever do another reverse mortgage, we will call Mr Reschke again.","post_date":"2026-02-09T18:05:19.000Z"},{"reviewer_name":"Janis L McLaren","reviewer_location":"SUN CITY WEST, AZ","rating":"5.0","review_body":"What made our experience great with working with Paul was do to several things. Paul was very patient explaining how reverse mortgages work and helped us to pick the plan that worked best for us. We never felt any pressure, and the process was so easy to navigate with his help. I would recommend Paul to anyone interested in learning more about reverse mortgages. Thank you!","post_date":"2026-02-06T19:38:15.000Z"},{"reviewer_name":"Robert McCahill","reviewer_location":"SCOTTSDALE, AZ","rating":"5.0","review_body":"Felt from beginning to the end the interests of my wife and I were paramount to Paul.","post_date":"2025-12-31T20:55:27.000Z"}]}, first_name=Paul, foreign_id_branch=[{id=202636702615, name='maple-grove'}], foreign_id_branches_new=[{id=208241583738, name='86th Avenue North'}], hide_lo_directory=true, hs_child_table_id=0, hs_created_at=1765548617777, hs_created_by_user_id=83124684, hs_deleted_at=0, hs_id=202430466669, hs_initial_published_at=1765548624539, hs_is_edited=false, hs_name=, hs_path=paul-reschke, hs_published_at=1788472935085, hs_updated_at=1788472904702, hs_updated_by_user_id=83124684, is_active=true, item_id_from_states=675f70e23ff573152c848a80, 675f70e323114ab56f8c039d, 675f70e4a71fc3ba49a4bfd9, last_name=Reschke, licensed_city=Maple Grove, licensed_state=MN, licensed_street_address=11310 86th Avenue N, licensed_zip=55369, lo_bio=Paul Reschke is a mortgage professional and reverse mortgage specialist based in Maple Grove, Minnesota, dedicated to helping homeowners make informed financial decisions. He focuses on guiding seniors and retirees through reverse mortgage solutions, helping them access home equity, improve cash flow, and enhance long-term financial security. Known for his clear communication and personalized approach, Paul ensures every client understands their options and feels confident throughout the process. Whether youre exploring a reverse mortgage or traditional home financing in Maple Grove and surrounding areas, Paul Reschke is committed to delivering a transparent, supportive, and results-driven experience., lo_experience=https://www.experience.com/reviews/paul-reschke-442844, nmls=1703788, phone_mobile=(763) 354-9744, private_labels=Lower, product_blocks=[{id=1, name='Reverse Mortgage', order=0, label='Reverse Mortgage'}], profile_pic_sq=https://v5.airtableusercontent.com/v3/u/57/57/1788487200000/uounGssOLYnMSd2hUuyiAA/6vU7hvmcL7lWQzj6xWYQXB7L7wiMZMMfVsI5pmK9wx3UKynbrMpGkvcPFCzOp9VNzqED-ej4PjnbRlY_OcYMWDNyOXkNT6bW2NhZDbZx-XFktaXQr7sSxhFQrkZWqkXm7nsSI6LaI6V1Ut4IKOXgAw/LszBxiwIjcUDwjVgLhbct3PnFWCKjawPfZ_HEFfgLe0, profile_pic_sq_source_key=file:Paul-reschke.jpg:545766, profile_pic_sq_url=https://19577492.fs1.hubspotusercontent-na1.net/hubfs/19577492/airtable-imports/profile-pics/lo-paul-reschke-1.jpg, publish_status=Published, signature_apply_link=https://mtgpro.co/dr/c/6d21j, simple_nexus_link=https://mtgpro.co/dr/c/6d21j, slug=preschke, states=AZ, MN, NV, team_old=Lower - Maple Grove, title=Loan Officer - Reverse Mortgage Specialist, webflow_id_from_branches_2=678bea60652e9e6bccc7b0ac, webflow_id_from_private_labels=68af612000947e8a31056cf2, webflow_id_from_team=678da4bb0d582e1be4374561})

Clear
Selection