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Reverse Mortgage


How Do You Qualify?

How Do You Qualify?

To be eligible for a reverse mortgage, you must:

  • Be 62 years or older (a non-borrowing spouse may be under age 62)
  • Own and live in your home as your primary residence.
  • Undergo a financial assessment to ensure a reverse mortgage can serve you as a sustainable, long-term retirement solution
  • Receive counseling by an independent, HUD-approved third-party to confirm you understand your obligations and responsibilities with a reverse mortgage
  • Maintain the property and continue paying property taxes, homeowners insurance, homeowner association and any other applicable fees

Does Your Property Qualify?

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Single-family homes or 2-4 unit homes (You must occupy one of the units)

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HUD-approved condominiums*

*SSF Advantage loans do not require FHA approval

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Manufactured homes that meet FHA requirements 

How Much Money Could You Qualify For?​

The size of your loan amount is based on three primary factors.


Your Age: The age of the youngest borrower or eligible non-borrowing spouse—the older you are, the more funds may be available

Your Home’s Value: The higher your home appraises at, and the more equity you have in your home, may make more funds

Current Interest Rate: Fixed and adjustable rate options are available—the lower the interest rate, the more funds may be available

We're Here To Help

We’re always happy to chat, but sometimes you need to do things at your own pace. Our tools and resources are available whenever you need them.

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Shining Star Funding
Corporate Office
6101 Bollinger Canyon Rd, Suit 344
San Ramon, CA 94583
(925) 820-2981

Copyright ©2024 Shining Star Funding A division of American Pacific Mortgage Corporation | NMLS ID # 1850 ( | 6101 Bollinger Canyon Rd #344, San Ramon, CA 94583 Phone (925) 820-2981 | Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

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