Pima County Arizona Reverse Mortgage

Your Pima County Reverse Mortgage Guide

Welcome to Pima County

Are you a homeowner in Pima County looking for financial support in retirement? A reverse mortgage home loan may be the solution you’ve been seeking. This type of loan allows homeowners aged 62 and older to access their home equity without the obligation to make monthly payments. Instead, the loan is repaid when the borrower sells the home or passes away. Reverse mortgage loans can provide a stable financial foundation and allow seniors to age in place with the comfort and security of their own home.

Reverse Mortgage

Explore the possibilities of a Reverse Mortgage! Free yourself from worrying about monthly bills and take back control of your financial future. With a Reverse Mortgage, you can unlock the power of your home’s equity while maintaining ownership of your home. Find out today how you can start on the road to financial freedom.

Learn More about a Reverse Mortgage

Reverse Mortgage for Purchase

Did you know you can use a reverse mortgage to purchase a new home? A reverse mortgage for purchase allows seniors to buy a new home without making any monthly mortgage payments. Instead of getting an upfront lump sum payment like other reverse mortgages, the loan is used to purchase a new primary residence.

Learn More about a Reverse Mortgage for Purchase

HECM to HECM Refinance

A HECM (Home Equity Conversion Mortgage) to HECM refinance, also known as a HECM loan refinance, is a type of reverse mortgage that allows a borrower to refinance an existing HECM loan with a new one. This can be beneficial for several reasons, such as lowering your interest rate, changing the loan terms, accessing additional equity, and improving your financial situation.

Learn More about a HECM to HECM Refinance

Cash Out Reverse Mortgage

A Reverse Mortgage allows you to take cash out of your house and use the equity in your home for the things you want. You can receive your cash as a lump sum, fixed monthly payment, or line of credit.

Learn More about a Cash Out Reverse Mortgage

Jumbo Reverse Mortgage

A Jumbo Reverse Mortgage is a reverse mortgage that allows homeowners to borrow more money than allowed with a traditional HECM reverse mortgage. This is because a Jumbo Reverse Mortgage is not limited by the same lending limits set by the Federal Housing Administration (FHA) for standard HECM loans. With a Jumbo Reverse Mortgage, you can access more of the equity in your high-value home.

Learn More about a Jumbo Reverse Mortgage

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Pima County Approved Reverse Mortgage Counseling Agencies

HUD Approved HECM Counseling Agencies

The following is the internet website address and telephone number provided by HUD for the purposes of acquiring HECM counseling:

National Counseling Agencies

ClearPoint Financial Solutions
(800) 251-2227
https://www.clearpoint.org/

Money Management International
(877) 908-2227
https://www.moneymanagement.org/

Credit.org
(800) 947-3752
https://www.homeownership.org/

National Foundation for Credit Counseling
(866) 698-6322
https://www.nfcc.org/

Greenpath
(888) 860-4167
https://www.greenpath.com/

Navicore
(866) 855-7736
https://navicoresolutions.org/

Guidewell Financial Solutions
(800) 882-6171
https://www.guidewellfs.org/

NeighborWorks America
(202) 760-4000
https://www.neighborworks.org/

Housing Options Provided for the Elderly (HOPE)
(844) 432-6467
https://hopeforseniorsstl.org/

Arizona Counseling Agencies

Agency Name: ADMINISTRATION OF RESOURCES AND CHOICES (ARC)
Agency ID: 81052
Address: SUITE 101, 1625 N.ALVERNON WAY
TUCSON, AZ 85712-3369
Phone: (520) 623-9383
Website: https://www.arc-az.org/

Agency Name: ADMINISTRATION OF RESOURCES AND CHOICES (ARC)
Agency ID: 81809
Address: 5800 W GLENN DR STE 275
GLENDALE, AZ 85301-2499
Phone: (602) 374-2226
Website: https://www.arc-az.org/

Agency Name: CREDIT.ORG – PHOENIX
Agency ID: 90589
Address: 2 N CENTRAL AVE
PHOENIX, AZ 85004-2322
Phone: (855) 494-4718
Website: https://www.credit.org/

Agency Name: WESTERN ARIZONA COUNCIL OF GOVERNMENTS (WACOG)
Agency ID: 82429
Address: 1235 S REDONDO CENTER DR
YUMA, AZ 85365-2039
Phone: (928) 217-7195
Website: https://www.wacog.com/

Agency Name: WESTERN ARIZONA COUNCIL OF GOVERNMENTS (WACOG) – KINGMAN BRANCH OFFICE
Agency ID: 82430
Address: 208 NORTH 4TH ST.
KINGMAN, AZ 86401-5815
Phone: (928) 217-7195
Website: https://www.wacog.com/

Pima County Arizona Frequently Asked Questions

How does a Reverse Mortgage work in Pima County Arizona?

A reverse mortgage in Pima County, Arizona, works similarly to a reverse mortgage in other parts of the country. The basic principle is that it allows homeowners 62 years of age or older to borrow money against the equity in their home without having to make monthly payments. Instead, the loan becomes due when the borrower moves out of the house permanently, sells the home, or passes away.

To obtain a reverse mortgage in Pima County, Arizona, the borrower must meet with a reverse mortgage lender and go through a counseling session to ensure that a reverse mortgage is a suitable choice for them. The lender will also appraise the home to determine its value and the amount the borrower is eligible to borrow.

Do I make mortgage payments on my Reverse Mortgage in Pima County?

No, you do not have to make payments on your reverse mortgage. You are still obligated to pay your property taxes, homeowners insurance, general home maintenance and upkeep, and any HOA fees, if applicable. The benefit of a reverse mortgage is that you do not have to make a regular monthly mortgage payment.

What qualifies for a reverse mortgage in Pima County?

A reverse mortgage loan is only available to seniors who are age 62 or older. This type of loan has been designed to help provide a solution to allow seniors access to equity in their homes while still living there. To qualify for a reverse mortgage, you must:

  • The youngest borrower on the loan must be 62 years old or older
  • Having an existing mortgage loan balance is OK as long as there is sufficient equity in the home
  • It must be your primary residence, not rental homes or vacation homes
  • Reverse mortgage loans are available as refinance or purchase loans.

How do I receive my money when I get a reverse mortgage?

With a Reverse Mortgage, borrowers have the flexibility to choose how they want to receive their loan proceeds. This can include receiving the funds in one lump sum, periodically accessing them through a line of credit, receiving regular monthly payments, or a combination of these options. Speak with a licensed Reverse Mortgage Lender to discuss your options.

About Pima County Arizona

Welcome to Pima County, Arizona! This vibrant county is located in the heart of the Sonoran Desert and is home to over 1 million people.

Pima County has a rich history that dates back to the early 1800s when it was first settled by Spanish missionaries. Today, Pima County is a bustling community filled with diverse cultures and vibrant landscapes.

The county is home to numerous parks, community centers, and schools. Whether you’re looking for a place to take a leisurely stroll or a place to play a game of basketball, Pima County has something for everyone.

The county is also home to some of the most stunning natural landscapes in the state. From the majestic Saguaro National Park to the picturesque Santa Cruz River, Pima County is a nature lover’s paradise.

If you’re looking for a place to call home, look no further than Pima County. With its diverse culture, stunning landscapes, and endless activities, Pima County is the perfect place to explore and

Things To Do In Pima County

Top Sights in Pima County, AZ


Saguaro National Park

Arizona-Sonora Desert Museum

Organ Pipe Cactus National Monument

Pima Air & Space Museum

San Xavier del Bac Mission

Mount Lemmon

Sabino Canyon Recreation Area

Catalina State Park

Reid Park Zoo

Tucson Botanical Gardens

Tucson Museum Of Art

Tohono Chul | Gardens, Galleries, and Bistro

Old Tucson

The Mini Time Machine Museum of Miniatures

Kitt Peak National Observatory

Titan Missile Museum

Arizona State Museum

DeGrazia Gallery in the Sun

Mt Lemmon Ski Valley

Ironwood Forest National Monument

University of Arizona Museum of Art

Children's Museum Tucson

Kitt Peak

Center for Creative Photography

Rincon Mountains

Sentinel Peak

Valley View Overlook Trail

International Wildlife Museum

Flandrau Science Center and Planetarium

Desert Discovery Nature Trail

Presidio San Agustín del Tucson Museum

Gates Pass

Tumamoc Hill

Trail Dust Town

Tucson Mountain Park

Buenos Aires National Wildlife Refuge Admin Building And Visitor Contact Station

Arizona History Museum

Bajada Loop Drive

Etherton Gallery

Baboquivari Peak Wilderness

Cactus Forest Drive

Museum of Contemporary Art Tucson

Tanque Verde Falls

Honey Bee Canyon Park

Rincon Mountain Visitor Center

Agua Caliente Regional Park

Settlers West Galleries

The Golf Club at Dove Mountain

Western National Parks Association (WNPA) - The National Parks Store

Wasson Peak

Sweetwater Wetlands Park

Funtasticks Family Fun Park

St. Augustine Cathedral

Mt. Lemmon Sky Center Observatory

Fort Lowell Museum

Mica View Trail

Charron Vineyards

Desert Ecology Trail

Southern Arizona Transportation Museum

Desert Diamond Casinos & Entertainment, Sahaurita

Tucson Desert Art Museum and Four Corners Gallery

Rose Canyon Lake

Pusch Ridge Wilderness

Red Hills Visitor Center

Southern Arizona Attractions Alliance

Tucson Rodeo Parade Museum

Arizona National Golf Club

Marshall Gulch Picnic Area

Mission Garden

Casino of the Sun

Sweetwater Preserve Trailhead

Brandi Fenton Memorial Park

Friends of Agua Caliente

Sewailo Golf Club

Bear Canyon

Signal Hill Picnic Area

The Gallery Golf Club

Hutch's Pool

Redington Pass

Rillito River Park

Gadsden-Pacific Division Toy Train Operating Museum

Finger Rock Trail

Kino Sports Complex

Franklin Auto Museum

Bridal Wreath Falls Trail

Yume Japanese Gardens of Tucson

Tucson Parks and Recreation

Gene C. Reid Park

Freeman Homestead Trail

Valley of the Moon

The University of Arizona Alfie Norville Gem & Mineral Museum

Tucson Petting Zoo and Funny Foot Farm

Anselmo Valencia Tori Amphitheatre

Tus NWS RADAR

King Canyon Trail

Ignite Sign Art Museum

Windy Point Vista

Children's Museum Oro Valley at Tohono Chul

Christopher Columbus Park

Reverse Mortgage Regulations

HUD – The United States Department of Housing and Urban Development is one of the executive departments of the U.S. federal government. It administers federal housing and urban development laws. They state, “Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to supplement their income. The only reverse mortgage insured by the U.S. Federal Government is a Home Equity Conversion Mortgage (HECM) which is only available through an FHA-approved lender. The HECM is FHA’s reverse mortgage program that lets you withdraw a portion of your home’s equity.”

Consumer Finance Protection Bureau – The Consumer Financial Protection Bureau is an agency of the United States government responsible for consumer protection in the financial sector. They state, “A reverse mortgage is a special type of home loan only for homeowners who are 62 and older. With a reverse mortgage, the amount the homeowner owes goes up–not down–over time.”

NMSL – The Nationwide Multi-State Licensing System and Registry is the record system for non-depository financial services licensing.

NRMLA – The National Reverse Mortgage Lenders Association (NRMLA) is a professional association that serves as an educational resource for the Reverse Mortgage community. The NRMLA was established in 1997 to promote professionalism and provide support and guidance to lenders and education borrowers. In addition, they prioritize educating consumers on the advantages and disadvantages of obtaining a reverse mortgage, ensuring borrowers make informed decisions.  They also provide training for mortgage professionals, enforce a code of ethics, and advise policymakers on reverse mortgage issues.

Reverse Mortgage Lenders near Pima County

Call us for a free, no-obligation consultation about your Reverse Mortgage options. One of our licensed professionals will answer your questions without the hassle of a sales pitch. You’ll learn what programs you may qualify for and discover the best options that will suit your situation.

We are proud to serve the residents of Pima County. We have been in the mortgage lending business since 2002 and would be happy to provide additional testimonials and references to clients we have worked with. We look forward to serving you and welcome the opportunity to meet and discuss your individual needs.

Reverse Mortgage Resource Center
Phone: 385-503-2224

Reverse Mortgage Resource Center – Pima County

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REVERSE MORTGAGE RESOURCE CENTER ~lIVE lIFE ON yOUR tERMS~


Our Lending Team has been serving our clients since 2004. We are passionate about serving our clients with integrity to help them achieve their financial goals.