Don't Take Our Word For It
Read real stories from homeowners who worked with 123 Reverse.
0.0
Average Rating
0+
Families Served
98%
Would Recommend
“We spent months worrying before we called. Within 15 minutes, we knew this was right for us. 123 Reverse didn't sell us anything — they showed us the math.”
Their Situation
Retired teachers with $420K in home equity, worried about outliving their savings with rising healthcare costs.
Our Recommendation
123 Reverse showed them the decision matrix — they were a 'Strong Fit.' A HECM LOC was coordinated with David's Social Security delay strategy.
The Outcome
They now have a $285,000 growing credit line with no monthly payment. David claimed maximum Social Security at 70, and their combined retirement income increased by 40%.
Margaret & David Chen
Phoenix, AZ · Ages 68 & 70
“123 Reverse saved my retirement. I was drawing down my portfolio at the worst possible time. The HECM LOC gave me a bridge that let my investments recover.”
Their Situation
Retired nurse. Home paid off worth $550K. Portfolio down 22% in market correction, drawing down savings too fast.
Our Recommendation
The Four-Pillar Strategy showed Patricia how a HECM LOC could protect her portfolio from sequence-of-returns risk during the downturn.
The Outcome
Patricia opened a $310,000 credit line, used it to bridge expenses during the market dip, and stopped portfolio withdrawals. Her investments recovered fully within 18 months.
Patricia Williams
Denver, CO · Age 65
“We were skeptical about reverse mortgages until 123 Reverse walked us through everything. No pressure, no hidden catches. Just honest numbers.”
Their Situation
$380K home, $95K remaining mortgage. Wanted to eliminate their monthly mortgage payment and create a financial safety net.
Our Recommendation
123 Reverse ran the numbers — after paying off their existing mortgage, they'd still have a substantial growing credit line.
The Outcome
Their $1,200/month mortgage payment disappeared. They kept $140,000 in available credit that continues to grow. Zero out-of-pocket closing costs.
Robert & Linda Garcia
San Antonio, TX · Ages 72 & 69
“My financial advisor had never even mentioned this option. 123 Reverse showed me research from Wade Pfau that changed my entire retirement strategy.”
Their Situation
Recently retired executive. Home worth $750K, free and clear. Wanted to optimize Social Security and create a tax-free income bridge.
Our Recommendation
The Four-Pillar Strategy was a perfect fit — open LOC at 63, use draws to bridge income while delaying SS to 70.
The Outcome
James opened a $420,000 credit line. He's drawing $3,500/month tax-free from the LOC while his Social Security benefit grows 8% per year until 70.
James Thompson
Nashville, TN · Age 63
“We didn't know this option existed. 123 Reverse gave us a way to afford Frank's care without selling our home of 40 years.”
Their Situation
Long-time homeowners with $600K home. Frank needed in-home care, and they were burning through savings at $6,000/month.
Our Recommendation
123 Reverse showed them how a HECM tenure payment (monthly income for life) combined with their existing LOC could cover care costs indefinitely.
The Outcome
They now receive $2,800/month in HECM tenure payments for life, plus a remaining LOC for emergencies. Their savings burn rate dropped by 47%.
Dorothy & Frank Miller
Portland, OR · Ages 78 & 80
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