REVERSE MORTGAGE SPECIALIST | COLORADO
Your Home Has Been Taking Care of You.
Now Let It Take Care of Your Future.
You have spent decades building equity. A reverse mortgage lets you access it — tax-free, with no monthly mortgage payments — while you stay in the home you love.
NMLS #2587985 | NEXA Lending LLC | Licensed CO | Equal Housing Lender
THE BURDEN — Listen Now
The Silent Burden You Carry Every Month
You worked hard your entire life. You paid into Social Security. You saved what you could. But now, every month, you watch your savings shrink — eaten by property taxes, insurance, medical bills, and a mortgage payment that never seems to end. You deserve better. You deserve to enjoy your home without the weight of financial worry pressing down on you every single day.
WHO REVERSE MORTGAGES HELP
Do You See Yourself Here?
Thousands of homeowners 62 and older face these exact situations. You are not alone.
Fixed Income Squeeze
Social Security and retirement funds are not keeping pace with inflation. Every month, the gap between what comes in and what goes out grows wider. Groceries cost more. Prescriptions cost more. But your income stays the same.
Health Changes
An unexpected diagnosis. A surgery. Ongoing treatment. Medical costs can devastate retirement savings in months. You should not have to choose between your health and keeping your home.
Loss of a Spouse
When you lose a partner, you lose more than companionship — you lose their income, their pension, their Social Security. The mortgage does not care about your grief. The bills keep coming.
Aging in Place
You want to stay in your home — the home where your children grew up, where your memories live. But you need modifications: grab bars, a walk-in shower, a first-floor bedroom. These cost money you do not have.
Facing Foreclosure
You have fallen behind on payments. The notices are piling up. You feel ashamed, scared, and helpless. A reverse mortgage can pay off your existing mortgage and stop foreclosure — giving you breathing room.
House-Rich, Cash-Poor
Your home is worth $400,000 or more. But you cannot eat equity. You cannot pay for prescriptions with square footage. A reverse mortgage converts what you have built into the cash flow you need — without selling.
THE TRUTH — How It Actually Works
Why Traditional Solutions Fail Seniors
Banks Will Not Lend to You
Traditional lenders require employment income. When you are retired, living on Social Security and pensions, banks see you as a risk — not a person who spent 40 years building a life.
Downsizing Means Losing Everything
Selling your home means leaving your neighborhood, your church, your doctors, your friends. It means packing 30 years of memories into boxes. And in today's market, what you buy next may not be any cheaper.
Asking Family Creates Guilt
Your children have their own mortgages, their own families, their own financial pressures. Asking them for help feels like a burden. You raised them to be independent — and now you feel like you are taking that away.
Government Programs Have Endless Waitlists
Medicare does not cover everything. Medicaid has asset limits. Property tax relief programs take months. You need help now — not in six months, not next year. Now.
THE SOLUTION
A Reverse Mortgage Gives You Back Control
No Monthly Mortgage Payments
Eliminate your largest monthly expense. The loan is repaid only when you sell, move out, or pass away — not before.
Tax-Free Cash Access
Reverse mortgage proceeds are not considered income. You receive tax-free funds — lump sum, monthly payments, line of credit, or any combination.
Stay in Your Home
As long as you live in the home as your primary residence and maintain taxes and insurance, nobody can ask you to leave. This is YOUR home.
Growing Line of Credit
The unused portion of your line of credit grows over time — giving you access to more funds in the future, when you may need them most.
A PERSONAL MESSAGE
Homestead Capital Partners | NEXA Lending LLC
Your Path to Financial Freedom
Free Consultation
Fill out the form below. Jon will personally call to discuss your situation. No pressure, no obligation.
HUD Counseling
Required by law to protect you. A HUD-approved counselor explains your options independently — at no cost.
Personalized Analysis
We review your home value, existing mortgage, and goals to find the right HECM program and payout option.
Financial Freedom
Close your reverse mortgage and start receiving funds. No monthly payments. Your home. Your peace of mind.
Common Questions
We believe you deserve clear, honest answers — not jargon. Here are the questions we hear most often.
See If You QualifyNo. You retain full ownership and title to your home. The lender has a lien, just like a regular mortgage. You can sell at any time, and your heirs inherit the home (they can pay off the loan or sell).
HECM reverse mortgages are federally insured (FHA). You or your heirs will never owe more than the home's value at the time of sale. This is called the "non-recourse" feature — it protects you and your family.
Yes. You must continue to pay property taxes, homeowner's insurance, and maintain the property. These are conditions of the loan. Some borrowers use a portion of their reverse mortgage proceeds to cover these costs.
HUD counseling is a session with an independent, HUD-approved counselor who explains how reverse mortgages work, the costs, and your alternatives. It is required by federal law to protect consumers. It is typically free or very low cost.
The amount depends on your age, home value, current interest rates, and existing mortgage balance. Generally, older borrowers with higher home values and lower existing mortgages receive more. We will provide a personalized estimate during your consultation.
Your heirs have options: they can repay the loan and keep the home, sell the home and keep any remaining equity, or walk away with no obligation. The FHA insurance guarantees they will never owe more than the home is worth.
No. HECM reverse mortgages are regulated by the federal government (FHA/HUD). The mandatory counseling, non-recourse protection, and federal insurance are all designed to protect you. We are licensed professionals (NMLS #2587985) operating under strict regulatory oversight.
THE RELIEF — Your Next Step
STEP 1 OF YOUR JOURNEY
See If You Qualify
in 2 Minutes
This quick form starts your pre-qualification process. Jon Howard will personally review your information and contact you within 24 hours to discuss your options.
No credit impact — soft inquiry only
Personal callback within 24 hours
256-bit encrypted, never shared
Zero obligation, zero pressure
Jon Howard | NMLS #2587985 | NEXA Lending LLC NMLS #1660690
Licensed CO | Equal Housing Lender
Important Disclosures: Borrowers must be 62 years of age or older. HUD-approved counseling is required before closing. A reverse mortgage is not a government benefit. The loan becomes due and payable when the last surviving borrower no longer occupies the home as their primary residence, sells the property, or fails to meet the obligations of the mortgage including maintaining the home, paying property taxes, and homeowner's insurance. Loan proceeds may affect eligibility for certain government benefits. Consult a financial advisor and HUD-approved counselor before making a decision.
Homestead Capital Partners | NMLS #2587985 | NEXA Lending LLC NMLS #1660690 | Licensed CO | Equal Housing Lender
Equal Credit Opportunity Act Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Homestead Capital Partners is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.