Reverse
Reverse mortgage and HECM programs in Wayne County
A reverse mortgage, including a Home Equity Conversion Mortgage (HECM), is a specialized option for eligible homeowners. Costs, occupancy requirements, counseling requirements, available equity, and long-term financial goals should all be carefully considered. Brad can discuss whether a reverse, a cash-out, or leaving the current loan in place may be appropriate.
Who this may fit
Eligible homeowners who want to discuss a HECM or proprietary reverse with a licensed originator — not a seminar pitch.
Why borrowers use it
- HECM and related reverse options through West Capital investors where available
- Required counseling is part of the process, not a formality to skip
- Compare against a conventional cash-out if that may be simpler or less costly
- Taxes, insurance, and occupancy rules still apply
Things to watch
A reverse mortgage is a specialized product. Counseling is required for a reason. Taxes, insurance, and occupancy still apply. This is not a seminar pitch.
Documents commonly needed
- Photo ID and proof of age / eligibility
- Current mortgage statement if there is a payoff
- Counseling certificate when required
- Insurance and tax information
Why work with Brad on Reverse
A reverse is a specialized product, not a seminar. Brad will compare a HECM to a conventional cash-out — and tell you to leave the loan alone if heirs, costs, or occupancy make it a bad fit.
Next step
Call or text (248) 408-3855 with the property and your income type. Brad can help you review whether reverse mortgage (hecm) may fit — subject to program requirements — or which related option to compare. You can also start a secure application or read how pre-approval works.