Reverse Mortgage
Turn Home Equity Into Financial Flexibility
Explore reverse mortgage options for homeowners age 62 and older through Valley First's partnership with Alliance Reverse Mortgage.
What Is a Reverse Mortgage?
A reverse mortgage allows eligible homeowners age 62 and older to access a portion of their home's equity without required monthly mortgage payments. You remain the owner of your home and can continue living there as your primary residence.
Key Benefits
- No required monthly mortgage payments*
- Continue living in your home
- Access home equity while retaining ownership
- Multiple payout options available
- FHA-insured HECM options available
- Non-recourse protections
How You Can Use the Funds
- Supplement retirement income
- Cover healthcare expenses
- Make home improvements
- Pay off an existing mortgage
- Improve monthly cash flow
Eligibility
- Age 62 or older
- Primary residence
- Significant home equity or own your home outright
Explore Your Reverse Mortgage Options
Get personalized guidance and learn about the next steps in the process.
*Borrowers must continue to occupy the home as their primary residence, maintain the property, and pay required property taxes, homeowners insurance, and applicable HOA dues. Loan approval, counseling requirements, eligibility criteria, and property qualifications apply. Reverse mortgage products are offered through Alliance Reverse Mortgage.