Reverse · Proprietary
Jumbo reverse
mortgages.
Proprietary jumbo reverse mortgages allow eligible homeowners with high-value properties to access equity beyond FHA HECM limits through private programs.
Proprietary jumbo reverse mortgages allow eligible homeowners with high-value properties to access equity beyond FHA HECM limits through private programs.
The FHA HECM has a maximum claim amount ($1,249,125 for 2026). For homeowners with higher-value properties, a proprietary (private) jumbo reverse mortgage — not FHA-insured — may allow access to more equity. Private lenders set their own terms and limits.
Like standard reverse mortgages, proprietary programs generally require age eligibility and primary residence occupancy. No monthly principal/interest payments are required. Terms, fees, and eligibility criteria are set by individual private lenders.
A licensed MLO will review your situation and identify the right programs. NMLS# 1967971 · FL, TN, SC, CO, TX.
All content on this page is for informational and educational purposes only and does not constitute financial, legal, or mortgage advice. Loan programs, qualification requirements, and availability are subject to change without notice and vary by lender, borrower profile, property type, and market conditions. All loans are subject to credit approval. Not a commitment to lend. Speak with a licensed Mortgage Loan Originator for guidance specific to your situation. New Century Mortgage LLC · NMLS# 1967971 · Equal Housing Lender · NMLSConsumerAccess.org