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.
No obligation • Free consultation • No SSC to Start
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.
.png)
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.
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.
Experience Financial Freedom
Ask me how a Reverse Mortgage could benefit you.
lo param: scott-edwards
row found: (HubDbTableRowMapFacadeImpl: {airtable_id=225, branch_slug=santa-clarita-valley, branch_slug_last_seen=santa-clarita-valley, branches=Santa Clarita Valley, CA, email=sedwards@lower.com, encompass_username=scedwards, exp_reviews={"overview":{"avg_score":"4.99","total_review_count":72,"five_star_count":70},"reviews":[{"reviewer_name":"Teresa McCormick ","reviewer_location":"null, null","rating":"5.0","review_body":"Scott made happen what I thought was impossible. It was an absolute pleasure working with him and the team.","post_date":"2026-07-28T19:20:52.000Z"},{"reviewer_name":"Teresa McCormick","reviewer_location":"Helendale, CA","rating":"5.0","review_body":"Scott made happen what I thought was impossible. It was an absolute pleasure working with him and the team.","post_date":"2026-07-28T19:20:32.000Z"},{"reviewer_name":"Opeyemi Oguntolu","reviewer_location":"Lancaster, CA","rating":"5.0","review_body":"Scott was very patient and attentive to us even when we had some questions that bothered us during the process. Glad we had him to work with us. Looking forward to future work together.","post_date":"2026-07-26T11:18:31.000Z"},{"reviewer_name":"Ayardie Yrd ","reviewer_location":"null, null","rating":"5.0","review_body":"The Mortgage Doc is great at what he does he knows how to get you from trying to achieving, all you have one has to do is reach out to him.","post_date":"2026-07-25T01:36:19.000Z"},{"reviewer_name":"Nikita Ledgister","reviewer_location":"Trona, CA","rating":"5.0","review_body":"It's all with how he lets you know what's needed to better assist his Customers to ascertain thte they're seeeking. He's The Doc because he makes sure all is well from start to finish.","post_date":"2026-07-25T01:35:44.000Z"},{"reviewer_name":"Michaela Delgado ","reviewer_location":"null, null","rating":"5.0","review_body":"Scott is trustworthy and caring! Goes above and beyond!","post_date":"2026-07-14T00:09:35.000Z"},{"reviewer_name":"Joseph Wilson","reviewer_location":"Santa Clarita, CA","rating":"5.0","review_body":"Scott went above and beyond in every aspect! Fast work, great communication, and awesome client care!","post_date":"2026-07-14T00:09:08.000Z"},{"reviewer_name":"Antonia Ellis","reviewer_location":"Forestburgh, NY","rating":"5.0","review_body":"Great listener and tailors purchase to the individual buyer's needs.","post_date":"2026-06-16T12:20:41.000Z"},{"reviewer_name":"Dat shii ","reviewer_location":"null, null","rating":"5.0","review_body":"Lower Mortgage is a great team Scott helped me get approved for a ln excellently amount to purchase my Dream Home!","post_date":"2026-05-27T19:44:24.000Z"},{"reviewer_name":"Darlene Rose Lara","reviewer_location":"ROSAMOND, CA","rating":"4.66","review_body":"Scott and his team were very punctual on getting my loan approved and helping me get my Dream Home !","post_date":"2026-05-27T19:43:38.000Z"}]}, first_name=Scott, foreign_id_branch=[{id=203371949128, name='santa-clarita-valley'}], foreign_id_branches_new=[{id=217739023361, name='26650 The Old Road'}], foreign_id_team=[{id=211039481496, name='The West Division'}], hide_lo_directory=true, hs_child_table_id=0, hs_created_at=1765548975717, hs_created_by_user_id=83124684, hs_deleted_at=0, hs_id=202442429087, hs_initial_published_at=1765548979547, hs_is_edited=false, hs_name=, hs_path=scott-edwards, hs_published_at=1787868850304, hs_updated_at=1787868849393, hs_updated_by_user_id=83124684, is_active=true, last_name=Edwards, licensed_city=Valencia, licensed_state=CA, licensed_street_address=26650 The Old Road, Suite 300 W, licensed_zip=91381, lo_bio=Scott Edwards is a Loan Officer serving the Santa Clarita Valley area of California, with experience in the mortgage industry since 2001. He brings more than two decades of lending experience to helping homebuyers and homeowners navigate a variety of financing options, including conventional, FHA, VA, and refinance programs. Scott focuses on providing clear guidance and practical solutions tailored to each client’s financial goals. His approach emphasizes communication, consistency, and a smooth loan process from application through closing, ensuring clients feel informed and supported at every stage of their home financing journey., lo_experience=https://www.experience.com/reviews/scott-edwards-446066, lo_facebook=https://www.facebook.com/ScottTheMortgageDoc, lo_instagram=https://www.instagram.com/scott_themortgagedoc/, lo_linkedin=https://www.linkedin.com/in/themortgagedoc/, nmls=1097143, old_branch_slug=santa-clarita-valley, phone_mobile=(661) 373-1034, private_labels=Lower, product_blocks=[{id=1, name='Reverse Mortgage', order=0, label='Reverse Mortgage'}], profile_pic_sq=https://v5.airtableusercontent.com/v3/u/56/56/1787882400000/F_J2V8MIrtPmP7Lp9S1Lpw/Htz7AEiNVVSWVXIy6zRvkXZ_k2qDmzRsA6ZeoZvGU3JFq6CrvZk-zTp5popldpDZvK1Ykwj3fp8Knv4SHTru5jyVI2EzSKyOHmkSFfo35iJT0gOL4UlvTJulYGTBckZHqLvMM51EwILhR8f2Xcsg1Q/ToaQ-tMFBsKfbbfrpw0Z4KzEDiqM0_qinn2C0e-BKwo, profile_pic_sq_source_key=file:scott-edwards.jpg:484073, profile_pic_sq_url=https://19577492.fs1.hubspotusercontent-na1.net/hubfs/19577492/airtable-imports/profile-pics/lo-scott-edwards-1.jpg, publish_status=Published, signature_apply_link=https://www.lower.com/lo/scedwards, simple_nexus_link=https://mtgpro.co/dr/c/d96ou, slug=sedwards, team_old=Lower - Santa Clarita Valley, CA, teams_copy=west-division, title=Loan Officer, webflow_id_from_branches_2=6930937187b7875c2179cb65, webflow_id_from_private_labels=68af612000947e8a31056cf2})
row found: (HubDbTableRowMapFacadeImpl: {airtable_id=225, branch_slug=santa-clarita-valley, branch_slug_last_seen=santa-clarita-valley, branches=Santa Clarita Valley, CA, email=sedwards@lower.com, encompass_username=scedwards, exp_reviews={"overview":{"avg_score":"4.99","total_review_count":72,"five_star_count":70},"reviews":[{"reviewer_name":"Teresa McCormick ","reviewer_location":"null, null","rating":"5.0","review_body":"Scott made happen what I thought was impossible. It was an absolute pleasure working with him and the team.","post_date":"2026-07-28T19:20:52.000Z"},{"reviewer_name":"Teresa McCormick","reviewer_location":"Helendale, CA","rating":"5.0","review_body":"Scott made happen what I thought was impossible. It was an absolute pleasure working with him and the team.","post_date":"2026-07-28T19:20:32.000Z"},{"reviewer_name":"Opeyemi Oguntolu","reviewer_location":"Lancaster, CA","rating":"5.0","review_body":"Scott was very patient and attentive to us even when we had some questions that bothered us during the process. Glad we had him to work with us. Looking forward to future work together.","post_date":"2026-07-26T11:18:31.000Z"},{"reviewer_name":"Ayardie Yrd ","reviewer_location":"null, null","rating":"5.0","review_body":"The Mortgage Doc is great at what he does he knows how to get you from trying to achieving, all you have one has to do is reach out to him.","post_date":"2026-07-25T01:36:19.000Z"},{"reviewer_name":"Nikita Ledgister","reviewer_location":"Trona, CA","rating":"5.0","review_body":"It's all with how he lets you know what's needed to better assist his Customers to ascertain thte they're seeeking. He's The Doc because he makes sure all is well from start to finish.","post_date":"2026-07-25T01:35:44.000Z"},{"reviewer_name":"Michaela Delgado ","reviewer_location":"null, null","rating":"5.0","review_body":"Scott is trustworthy and caring! Goes above and beyond!","post_date":"2026-07-14T00:09:35.000Z"},{"reviewer_name":"Joseph Wilson","reviewer_location":"Santa Clarita, CA","rating":"5.0","review_body":"Scott went above and beyond in every aspect! Fast work, great communication, and awesome client care!","post_date":"2026-07-14T00:09:08.000Z"},{"reviewer_name":"Antonia Ellis","reviewer_location":"Forestburgh, NY","rating":"5.0","review_body":"Great listener and tailors purchase to the individual buyer's needs.","post_date":"2026-06-16T12:20:41.000Z"},{"reviewer_name":"Dat shii ","reviewer_location":"null, null","rating":"5.0","review_body":"Lower Mortgage is a great team Scott helped me get approved for a ln excellently amount to purchase my Dream Home!","post_date":"2026-05-27T19:44:24.000Z"},{"reviewer_name":"Darlene Rose Lara","reviewer_location":"ROSAMOND, CA","rating":"4.66","review_body":"Scott and his team were very punctual on getting my loan approved and helping me get my Dream Home !","post_date":"2026-05-27T19:43:38.000Z"}]}, first_name=Scott, foreign_id_branch=[{id=203371949128, name='santa-clarita-valley'}], foreign_id_branches_new=[{id=217739023361, name='26650 The Old Road'}], foreign_id_team=[{id=211039481496, name='The West Division'}], hide_lo_directory=true, hs_child_table_id=0, hs_created_at=1765548975717, hs_created_by_user_id=83124684, hs_deleted_at=0, hs_id=202442429087, hs_initial_published_at=1765548979547, hs_is_edited=false, hs_name=, hs_path=scott-edwards, hs_published_at=1787868850304, hs_updated_at=1787868849393, hs_updated_by_user_id=83124684, is_active=true, last_name=Edwards, licensed_city=Valencia, licensed_state=CA, licensed_street_address=26650 The Old Road, Suite 300 W, licensed_zip=91381, lo_bio=Scott Edwards is a Loan Officer serving the Santa Clarita Valley area of California, with experience in the mortgage industry since 2001. He brings more than two decades of lending experience to helping homebuyers and homeowners navigate a variety of financing options, including conventional, FHA, VA, and refinance programs. Scott focuses on providing clear guidance and practical solutions tailored to each client’s financial goals. His approach emphasizes communication, consistency, and a smooth loan process from application through closing, ensuring clients feel informed and supported at every stage of their home financing journey., lo_experience=https://www.experience.com/reviews/scott-edwards-446066, lo_facebook=https://www.facebook.com/ScottTheMortgageDoc, lo_instagram=https://www.instagram.com/scott_themortgagedoc/, lo_linkedin=https://www.linkedin.com/in/themortgagedoc/, nmls=1097143, old_branch_slug=santa-clarita-valley, phone_mobile=(661) 373-1034, private_labels=Lower, product_blocks=[{id=1, name='Reverse Mortgage', order=0, label='Reverse Mortgage'}], profile_pic_sq=https://v5.airtableusercontent.com/v3/u/56/56/1787882400000/F_J2V8MIrtPmP7Lp9S1Lpw/Htz7AEiNVVSWVXIy6zRvkXZ_k2qDmzRsA6ZeoZvGU3JFq6CrvZk-zTp5popldpDZvK1Ykwj3fp8Knv4SHTru5jyVI2EzSKyOHmkSFfo35iJT0gOL4UlvTJulYGTBckZHqLvMM51EwILhR8f2Xcsg1Q/ToaQ-tMFBsKfbbfrpw0Z4KzEDiqM0_qinn2C0e-BKwo, profile_pic_sq_source_key=file:scott-edwards.jpg:484073, profile_pic_sq_url=https://19577492.fs1.hubspotusercontent-na1.net/hubfs/19577492/airtable-imports/profile-pics/lo-scott-edwards-1.jpg, publish_status=Published, signature_apply_link=https://www.lower.com/lo/scedwards, simple_nexus_link=https://mtgpro.co/dr/c/d96ou, slug=sedwards, team_old=Lower - Santa Clarita Valley, CA, teams_copy=west-division, title=Loan Officer, webflow_id_from_branches_2=6930937187b7875c2179cb65, webflow_id_from_private_labels=68af612000947e8a31056cf2})