Reverse Mortgage

The Reverse Mortgage Reinvented

For a long time, traditional reverse mortgages, also known as Home Equity Conversion Mortgages (HECMs), changed the game for homeowners who wanted to access the valuable equity they’d built up over time. But HECMs have limitations on who can borrow, how much and which properties are eligible.

Available to clients as young as 60*

Reverse mortgages are no longer reserved for homeowners and homebuyers over 62 years of age! SMS has reinvented the reverse mortgage, with a new product for those age 60 and older.

More Access to Funds

You may be able to access even more equity—the maximum loan amount is up to $4 million.

Lower Upfront Costs

Since there is no mortgage insurance premium or monthly servicing fees with Equity Elite, we can offer lower costs, both upfront and ongoing, for those who are sensitive to closing costs.

Lend on Non-FHA Approved Condos & Townhouses

Traditional HECM reverse mortgages require condominiums to FHA-approved. But with Equity Elite, homeowners of non-FHA approved condos and townhouses can now access the benefits of a reverse mortgage.

Eliminate Almost All Closing Costs with Equity Elite Zero

For those who are sensitive to the closing costs associated with reverse mortgages, Equity Elite Zero—a sister product of Equity Elite—has all the benefits but eliminates almost ALL closing costs. This products is ideal for borrowers who are open to taking less in proceeds in exchange for low up-front costs, and the additional expenses associated with financing closing costs.

Revere Mortgage for Purchase (H4P)

Take the Home Equity Line of Credit CHALLENGE

Contact Us


(561) 208-1717


Harborside Place 110 Front Street Suite 300, Jupiter, FL 33477


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