Skip to main content
Skip to content
A Division of RNR Funding, Inc. NMLS #2768950
123 Reverse Lending Group
Your Home. Your Equity. Your Future.

The smarter reverse mortgage.

  • Eliminate the requirement of a monthly mortgage payment
  • Access a tax-free portion of your home's equity
  • Our 1.0% Margin — Engineered for Equity
Get Your Custom QuoteContact Us

HECM Estimator

Type or slide to adjust

HECM uses the younger borrower's age

Initial Growing Credit Line

At our 1.0% margin

$0

At typical 2.5% margin

$0

HECM uses the younger borrower's age

At our 1.0% margin
HECM Covers$164,992
Est. Down Payment$0

59% of purchase price

$0 less

down payment with us vs using the typical 2.5% margin

Buyer's own closing costs (title, escrow, inspections) are separate from the HECM.

Illustrative only. Actual amounts vary. Not a commitment to lend. Based on today's 1-Year CMT of 3.850% (FRED) plus our 1.0% margin.

Our Services

Three Ways a HECM Can Work for You

Whether you want to tap your equity, buy a new home, or improve your existing reverse mortgage — all three benefit from our 1.0% margin — Engineered for Equity.

HECM Line of Credit
Open a credit line that grows at your interest rate (Index + Margin) + 0.5% MIP — whether you use it or not. Access tax-free funds whenever you need them, with no monthly payment required.
How It Works

FHA-InsuredNon-Recourse GuaranteeHUD-RegulatedNo Monthly Payment RequiredYour Title, Your Home
Why 123 Reverse

Three Reasons a HECM Could Be Your Smartest Retirement Move

The Growing Reserve
Your unused HECM Line of Credit grows at your interest rate (Index + Margin) + 0.5% MIP — contractually guaranteed. A $180,000 credit line opened at 62 can grow significantly by age 75 — without your home appreciating a single dollar.
  • Unlike a HELOC, your credit line is protected from lender freezes
  • Grows whether you use it or not — open early, let it compound
  • Available tax-free for downturns, healthcare, or long-term care

HECM Credit Line vs. HELOC

HECM

  • Protected from lender freezes
  • Grows unused balance
  • No monthly payment

HELOC

  • Banks can freeze anytime
  • No growth on balance
  • Monthly payments required

Credit line growth over 13 years

$0→$0+

Tax-Free ProceedsZero Out-of-Pocket at ClosingHeirs Never Owe More Than Home ValueCredit Line Grows at Your Rate + MIP
Decision Tool

Is a HECM Right for You? Find Out in 30 Seconds

Our decision matrix gives you clear-cut advice based on your equity level and how long you plan to stay in your home.

Under 2 Years
2–5 Years
5–12 Years
12+ Years
Low
✗Not a Fit
✗Not a Fit
~Analyze
~Analyze
Moderate
✗Not a Fit
✗Rarely Worth It
~Model Carefully
✓✓Worth Doing
Good
✗Timeline Too Short
~Urgent Need Only
✓✓Good Strategic Fit
✓✓✓Strong Fit — Act Now
High
✗Timeline Too Short
~Strong Need Required
✓✓✓Strong Fit
★★★Excellent — Coordinate SS
Free & Clear
✗Timeline Too Short
✓No Payoff Drag
★★★Excellent — Full Toolkit
★★★★Best Possible Position
Not a Fit
Needs Analysis
Possible
Good Fit
Strong Fit
Perfect Fit
Explore the Full Decision Tool
Common Questions

Frequently Asked Questions

The Margin Advantage

A Lower Margin Means a Bigger Credit Line

Your lender's margin is added to the base rate, which determines how much equity you can access. A lower margin means more money for you.

A Typical Higher-Margin Lender

2.500%margin

Expected Rate6.52%
Available Credit$124,600
Our Rate

123 Reverse

1.000%margin

Expected Rate5.02%
Available Credit$181,400

Your advantage at closing

$0 more

in available credit with 123 Reverse's 1.0% margin

See Your Numbers

Based on $800,000 home value, age 76, $195,000existing mortgage. Illustrative only — not a commitment to lend. Actual amounts depend on appraisal, rates, and individual circumstances.

123 Reverse advisor reviewing HECM options with a senior couple
About Us

Your HECM Advisors

At 123 Reverse, we believe an informed homeowner makes the best decision. That's why we spend 90% of our time educating — not selling. Our team studies the latest research from experts like Dr. Wade Pfau so you don't have to.

“We'd rather tell you it's not a fit and earn your trust than push a product you don't need.”

Learn More About Us
Learning Center

Understand Before You Decide

The $400,000 Question Nobody Asks You at 62
Strategy

The $400,000 Question Nobody Asks You at 62

How an unused HECM Line of Credit grows from $180K to over $400K — and why starting early matters more than you think.

5 min read
Visit the Learning Center

Free Assessment

Ready to See the Numbers? It Takes 60 Seconds.

Enter your information below and we'll send you a personalized HECM assessment — no spam, no pressure.

No spam. No pressure. Just a personalized assessment.