Reverse Mortgages – Tap Home Equity in Retirement

Designed for eligible homeowners typically 62 and older. Convert a portion of home equity into tax-advantaged cash. Keep the title while deferring required monthly payments. Funds can supplement income, repairs, or healthcare costs. Heirs and payoff options are explained with care. We prioritize clarity, suitability, and family alignment.
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How It Works

A reverse mortgage advances funds against your equity. Interest accrues and is settled later, usually at payoff. Borrowers remain responsible for taxes, insurance, and upkeep. We explain obligations to avoid future surprises. Suitability is evaluated with your long-term needs. Understanding comes before any commitment.
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Payout Flexibility

Choose lump sum, monthly, or line of credit options. We match disbursement to your cash-flow needs. Line of credit can grow with available limits. Planning helps protect benefits and budgets. Every option’s pros and cons are compared clearly. Your comfort defines the final design.
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Advantages of Reverse Mortgage

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Income Supplement: Unlock equity safely.

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Payment Relief: No required monthly P&I.

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Flexible Payouts: Multiple disbursement choices.

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Heir Planning: Clear options at payoff.
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Family & Estate Planning

We discuss outcomes with heirs to set expectations. Sale, refinance, or payoff paths are mapped early. Housing goals and timelines guide decisions. Independent counseling adds a layer of protection. Transparency keeps everyone on the same page. Your legacy remains front and center.
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Why Choose Alford Lending Group

We combine deep product knowledge with transparent guidance.
Our team designs financing around your goals, not templates.
Licensed in Florida, North Carolina, and Texas, we know your market.
Clear numbers and timelines keep you confidently in control.
We shop multiple lenders to pursue great value for you.
Service, integrity, and results lead every conversation.

We are known for

Personalized Strategies: Loans built around your plans. 

Clear Communication: Proactive updates at every step.

Transparent Process: Clear communication and no hidden surprises

Efficient Closings : Helping you secure financing unnecessary delays.

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"FAQs"

We compare monthly cost, cash to close, and long-term savings across options so the math makes the choice clear.

Typically income, assets, ID, and property docs; we send a precise checklist customized to your file.

Purchase timelines vary by program and appraisal; we set realistic dates and manage milestones tightly.

Yes, FHA, VA, and some conventional options enable lower cash to close with clear tradeoffs.

When rate, term, or cash-out benefits beat costs within your target break-even window we calculate for you.

Get in Touch With Our Loan Experts

We understand that choosing the right loan program can feel overwhelming, and that’s why our team is here to guide you every step of the way. Whether you’re a first-time homebuyer, refinancing, or exploring investment opportunities, we’ll provide clear answers and personalized solutions. You can reach out to us by phone, email, or through our simple online contact form. Our loan specialists are available to discuss your goals and explain all your options in detail. With a commitment to honesty and customer satisfaction, we make sure your experience is stress-free. Don’t wait—contact us today and take the first step toward securing your financial future.