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What is a reverse mortgage?

HECM stands for home equity conversion mortgage. Reverse mortgages allow for seniors to release a portion of the home’s equity to eliminate any existing mortgage payments. HECM’s are unique in that there are no monthly mortgage payments required – no other program has this unique feature. 

More than 600,000 seniors have taken out a reverse mortgage loan to improve their retirement, your not alone.

Compare HECM Lenders in NJ for free with RMLD – Let us find you the best program.

Seniors in NJ qualify for a reverse mortgage if…

  • they are 62 years of age or older
  • own their homes
  • have equity available in the property
  • can afford to pay for the home’s property taxes and insurance
  • have never defaulted on governemnt insured loans

I qualify for the HECM reverse mortgage how does this program improve my retirement?

  • improve your retirement qualify by having access to your equity today
  • no more mortgage payments while you are living in the home
  • interest rates are at all time low’s
  • ability to spend the equity as you wish – no restrictions are placed on the funds
  • no taxes are applied to the equity you release

“There is no other program which allows seniors to access their home’s equity without having payment in retirement.”

How Does the Reverse Mortgage Work in New Jersey?

You have worked hard your entire life to build up your home’s equity, insn’t it time that your home paid you back? Well, FHA (Federal Housing Administration) insures the HECM reverse mortgage which allows you to use your home as a tool to fund your retirement.

Many seniors are still having to pay each month a mortgage payment this is seriously impacting the quality of those seniors retirement. What if you could use all the built up equity in your home to generate a new income source, this would greatly improve the quality of your retirement.

This is what the reverse mortgage program was designed for. Seniors are taking advantage of the low interest rate enviroment and the ability to qualify for a reverse mortgage loan without having income or credit scores to meet. There are no payments to be made (you are only responsible for the property taxes, insurance, and home maintanance expenses). It will cost you $0 to find our your options give us a call today.

Snapshot of New Jersey

8.7 M

Population

$170,800

Median Home Value

66%

Home Ownership Rate

14%

Percent PopulationOver 65

Find Your City to Compare State and National Averages

LOCATION POPULATION MED. HOME VALUE HOME OWNERSHIP RATE % POPULATION OVER 65
USA 307,006,550 $119,600 66% 13%
New Jersey 8,707,739 $170,800 66% 14%
Atlantic City 39,958 $87,500 29% 14%
Bayonne 58,844 $155,600 40% 17%
Bergenfield 26,194 $184,400 71% 14%
Camden 79,318 $40,700 46% 8%
Clifton 79,606 $181,600 61% 18%
East Orange 67,247 $122,000 27% 11%
Elizabeth 126,179 $143,000 30% 10%
Englewood 27,824 $212,400 59% 13%
Fair Lawn 31,246 $218,000 80% 19%
Fort Lee 37,008 $287,000 56% 20%
Garfield 29,644 $161,500 40% 14%
Hackensack 43,671 $187,300 32% 13%
Hoboken 39,853 $428,900 23% 9%
Jersey City 241,789 $125,000 28% 10%
Kearny 38,008 $158,200 48% 11%
Linden 39,874 $148,800 59% 16%
Long Branch 32,314 $135,300 42% 13%
Millville 28,194 $86,700 64% 13%
New Brunswick 50,172 $122,600 26% 7%
Newark 281,402 $119,000 24% 9%
Paramus 26,548 $284,800 91% 22%
Passaic 67,974 $153,000 27% 8%
Paterson 148,708 $137,500 32% 8%
Perth Amboy 48,607 $126,200 41% 10%
Plainfield 47,353 $137,500 50% 9%
Rahway 27,843 $142,600 63% 15%
Sayreville 42,560 $153,400 68% 12%
Trenton 83,923 $65,500 46% 11%
Union City 63,930 $141,000 18% 10%
Vineland 58,271 $97,200 66% 14%
West New York 46,398 $218,400 20% 13%
Westfield 29,944 $346,000 82% 14%

Find a Local Reverse Mortgage Lender/Bank/Broker in New Jersey

A

Aberdeen · Absecon · Adelphia · Allamuchy · Allendale · Allenhurst · Allentown · Allenwood · Alloway · Alpha · Alpine · Andover · Annandale · Asbury · Asbury Park · Atco · Atlantic City · Atlantic Highlands · Audubon · Augusta · Avalon · Avenel · Avon by Sea · Avon by the Sea

B

Baptistown · Barnegat · Barnegat Light · Barrington · Basking Ridge · Batsto · Bay Head · Bayonne · Bayville · Beach Haven · Beachwood · Bedminster · Belford · Belle Mead · Belleville · Bellmawr · Belmar · Belvidere · Bergenfield · Berkeley Heights · Berlin · Berlin Township · Bernardsville · Beverly · Birmingham · Blackwood · Blackwood Terrace · Blairstown · Blawenburg · Bloomfield · Bloomingdale · Bloomsbury · Bogota · Boonton · Boonton Township · Boonton Twp · Bordentown · Bound Brook · Bradley Beach · Branchburg · Branchville · Brick · Bridgeport · Bridgeton · Bridgewater · Brielle · Brigantine · Broadway · Brooklawn · Brookside · Browns Mills · Budd Lake · Buena · Burlington · Burlington City · Burlington Township · Butler · Buttzville · Byram Township

C

Caldwell · Califon · Camden · Cape May · Cape May Court House · Cape May Point · Carlstadt · Carneys Point · Carteret · Cedar Brook · Cedar Grove · Cedar Knolls · Cedarville · Changewater · Chatham · Chatham Twp · Chatsworth · Cherry Hill · Chesilhurst · Chester · Chesterfield · Cinnaminson · Clark · Clarksboro · Clarksburg · Clayton · Clementon · Cliffside Park · Cliffwood · Clifton · Clinton · Closter · Collingswood · Cologne · Colonia · Colts Neck · Columbia · Columbus · Convent Station · Cookstown · Corbin City · Cranbury · Cranford · Cream Ridge · Cresskill · Crosswicks

D

Dayton · Deal · Deepwater · Deerfield Street · Del Haven · Delair · Delanco · Delaware · Delmont · Delran · Demarest · Dennisville · Denville · Deptford · Dividing Creek · Dorchester · Dorothy · Dover · Dumont · Dunellen

E

East Brunswick · East Hanover · East Millstone · East Newark · East Orange · East Rutherford · East Windsor · Eastampton · Eastampton Township · Eatontown · Edgewater · Edgewater Park · Edison · Egg Harbor City · Egg Harbor Township · Elizabeth · Elizabethport · Elmer · Elmwood Park · Elwood · Emerson · Englewood · Englewood Cliffs · Englishtown · Erial · Essex Fells · Estell Manor · Evesham · Ewan · Ewing

F

Fair Haven · Fair Lawn · Fairfield · Fairton · Fairview · Fanwood · Far Hills · Farmingdale · Fieldsboro · Flagtown · Flanders · Flemington · Florence · Florham Park · Fords · Forked River · Fort Dix · Fort Lee · Fort Monmouth · Fortescue · Franklin · Franklin Lakes · Franklin Park · Franklinville · Fredon Township · Freehold · Frenchtown

G

Galloway · Garfield · Garwood · Gibbsboro · Gibbstown · Gillette · Gladstone · Glassboro · Glasser · Glen Gardner · Glen Ridge · Glen Rock · Glendora · Glenwood · Gloucester City · Goshen · Great Meadows · Green Brook · Green Creek · Green Township · Green Village · Greendell · Greenwich · Grenloch · Greystone Park · Guttenberg

H

Hackensack · Hackettstown · Haddon Heights · Haddon Township · Haddonfield · Hainesport · Hainesport Township · Haledon · Hamburg · Hamilton · Hamilton Square · Hammonton · Hampton · Hancocks Bridge · Hardwick · Hardyston · Harrington Park · Harrison · Harrisonville · Harvey Cedars · Hasbrouck Heights · Haskell · Haworth · Hawthorne · Hazlet · Heislerville · Helmetta · Hewitt · Hi Nella · Hibernia · High Bridge · Highland Lakes · Highland Park · Highlands · Hightstown · Hillsborough · Hillsdale · Hillside · Ho Ho Kus · Hoboken · Holmdel · Hopatcong · Hope · Hopelawn · Hopewell · Howell

I

Imlaystown · Industrial Hillside · Interlaken · Ironia · Irvington · Iselin · Island Heights

J

Jackson · Jamesburg · Jersey City · Jobstown · Johnsonburg · Juliustown

K

Keansburg · Kearny · Keasbey · Kendall Park · Kenilworth · Kenvil · Keyport · Kingston · Kinnelon · Kirkwood

L

Lafayette · Lake Como · Lake Hiawatha · Lake Hopatcong · Lakehurst · Lakewood · Lambertville · Landing · Landisville · Lanoka Harbor · Laurel Springs · Laurence Harbor · Lavallette · Lawnside · Lawrence · Lawrence Township · Lawrenceville · Layton · Lebanon · Ledgewood · Leeds Point · Leesburg · Leonardo · Leonia · Liberty Corner · Lincoln Park · Lincroft · Linden · Lindenwold · Linwood · Little Egg Harbor · Little Egg Harbor Twp · Little Falls · Little Ferry · Little Silver · Little York · Livingston · Loch Arbour · Locust · Lodi · Logan Township · Long Beach · Long Beach Township · Long Branch · Long Valley · Longport · Lumberton · Lumberton Township · Lyndhurst · Lyons

M

Madison · Magnolia · Mahwah · Malaga · Manahawkin · Manalapan · Manasquan · Manchester · Manchester Township · Mannington · Mantoloking · Mantua · Manville · Maple Shade · Maplewood · Margate City · Marlboro · Marlton · Marmora · Martinsville · Matawan · Mauricetown · Mays Landing · Maywood · Mc Afee · Mc Guire AFB · McKee City · Medford · Medford Lakes · Mendham · Mendham Township · Mercerville · Merchantville · Metuchen · Mickleton · Middlesex · Middletown · Middleville · Midland Park · Milford · Millburn · Millington · Millstone Township · Milltown · Millville · Milmay · Mine Hill · Minotola · Mizpah · Monmouth Beach · Monmouth Junction · Monroe · Monroe Township · Monroeville · Montague · Montclair · Montvale · Montville · Moonachie · Moorestown · Morganville · Morris Plains · Morristown · Mount Arlington · Mount Ephraim · Mount Freedom · Mount Holly · Mount Laurel · Mount Royal · Mount Tabor · Mountain Lakes · Mountainside · Mullica Hill · Mystic Islands

N

National Park · Navesink · Neptune · Neptune City · Neshanic Station · Netcong · New Brunswick · New Egypt · New Gretna · New Lisbon · New Milford · New Monmouth · New Providence · New Vernon · Newark · Newfield · Newfoundland · Newport · Newton · Newtonville · Norma · Normandy Beach · North Arlington · North Bergen · North Branch · North Brunswick · North Caldwell · North Cape May · North Haledon · North Middletown · North Plainfield · North Wildwood · Northfield · Northvale · Norwood · Nutley

O

Oak Ridge · Oakhurst · Oakland · Oaklyn · Ocean · Ocean City · Ocean Gate · Ocean Grove · Ocean View · Oceanport · Oceanville · Ogdensburg · Old Bridge · Old Tappan · Oldwick · Oradell · Orange · Osbornville · Oxford

P

Palisades Park · Palmyra · Paramus · Park Ridge · Parlin · Parsippany · Passaic · Paterson · Paulsboro · Peapack · Pedricktown · Pemberton · Pennington · Penns Grove · Pennsauken · Pennsville · Pequannock · Perrineville · Perth Amboy · Phillipsburg · Picatinny Arsenal · Pilesgrove · Pilesgrove Township · Pine Beach · Pine Brook · Pine Hill · Pine Valley · Piscataway · Pitman · Pittsgrove · Pittstown · Plainfield · Plainsboro · Pleasantville · Pluckemin · Point Pleasant Beach · Point Pleasant Boro · Pomona · Pompton Lakes · Pompton Plains · Port Elizabeth · Port Monmouth · Port Murray · Port Norris · Port Reading · Port Republic · Pottersville · Princeton · Princeton Junction · Prospect Park

Q

Quakertown · Quinton

R

Rahway · Ramsey · Rancocas · Randolph · Raritan · Readington · Red Bank · Richland · Richwood · Ridgefield · Ridgefield Park · Ridgewood · Ringoes · Ringwood · Rio Grande · River Edge · River Vale · Riverdale · Riverside · Riverton · Rivervale · Robbinsville · Rochelle Park · Rockaway · Rockleigh · Rocky Hill · Roebling · Roosevelt · Roseland · Roselle · Roselle Park · Rosemont · Rosenhayn · Roxbury Township · Rumson · Runnemede · Rutherford

S

Saddle Brook · Saddle River · Salem · Sandy Hook · Sandyston · Sayreville · Schooleys Mountain · Scotch Plains · Sea Bright · Sea Girt · Sea Isle City · Seaside Heights · Seaside Park · Secaucus · Sergeantsville · Sewaren · Sewell · Shamong · Shiloh · Ship Bottom · Short Hills · Shrewsbury · Sicklerville · Skillman · Smithville · Somerdale · Somers Point · Somerset · Somerville · South Amboy · South Bound Brook · South Dennis · South Hackensack · South Harrison Township · South Orange · South Plainfield · South River · South Seaville · Southampton · Sparta · Spotswood · Spring Lake · Springfield · Stafford Township · Stanhope · Stanton · Stewartsville · Stillwater · Stirling · Stockholm · Stockton · Stone Harbor · Stratford · Strathmere · Succasunna · Summit · Surf City · Sussex · Swartswood · Swedesboro

T

Tabernacle · Teaneck · Tenafly · Tennent · Teterboro · Tewksbury Township · Thorofare · Three Bridges · Tinton Falls · Titusville · Toms River · Totowa · Towaco · Townsends Inlet · Township of Washington · Tranquility · Trenton · Tuckahoe · Tuckerton · Turnersville

U

Union · Union Beach · Union City · Upper Montclair · Upper Saddle River

V

Vauxhall · Ventnor City · Vernon · Verona · Vienna · Villas · Vincentown · Vineland · Voorhees

W

Waldwick · Wall · Wall Township · Wallington · Wallpack Center · Wanaque · Wantage · Waretown · Warren · Washington · Watchung · Waterford Works · Wayne · Weehawken · Wenonah · West Allenhurst · West Berlin · West Caldwell · West Cape May · West Collingswood · West Collingswood Heights · West Creek · West Deptford · West Long Branch · West Milford · West New York · West Orange · West Paterson · West Trenton · West Wildwood · West Windsor · Westampton · Westfield · Westmont · Westville · Westwood · Wharton · Whippany · Whitehouse · Whitehouse Station · Whitesboro · Whiting · Wickatunk · Wildwood · Wildwood Crest · Williamstown · Willingboro · Windsor · Winfield Park · Winslow · Wood Ridge · Woodbine · Woodbridge · Woodbury · Woodbury Heights · Woodcliff Lake · Woodland Park · Woodlynne · Woodstown · Woolwich Township · Wrightstown · Wyckoff

Z

Zarephath

HUD’s list of approved HECM Counselors in New Jersey.
Counseling is mandatory in all states for those who wish to get a HECM loan.

HECM Counseling Agency Roster as of 06/05/2013
(9 records were selected, 9 records displayed.)
Name Agency ID Address Phone Web Site
AFFORDABLE HOUSING ALLIANCE, INC. 82133 59 BROAD ST
EATONTOWN,  NJ  07724-1528
(732) 389-2958 http://www.housingall.org
CCCS OF NEW JERSEY 82701 185 RIDGEDALE AVE
CEDAR KNOLLS,  NJ  07927-1812
(973) 267-4324 http://www.cccsnj.org
COUNTY OF BERGEN, DEPARTMENT OF HUMAN SERVICES, DIVISION OF SENIOR SERVICES 80398 1 BERGEN COUNTY PLZ FL 2
HACKENSACK,  NJ  07601-7077
(201) 336-7400 http://www.co.bergen.nj.us
FAMILY GUIDANCE CENTER CORPORATION 82094 1931 NOTTINGHAM WAY
HAMILTON,  NJ  08619-3554
(609) 586-2574 http://www.cccscentralnj.com
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NOVADEBT 82226 225 WILLOWBROOK ROAD
FREEHOLD,  NJ  07728-5921
(866) 472-4557 www.novadebt.org
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NOVADEBT 84870 225 WILLOWBROOK ROAD
FREEHOLD,  NJ  07728-5921
(866) 472-4557 www.novadebt.org
MONEY MANAGEMENT INTERNATIONAL EGG HARBOR TOWNSHIP 82643 3073 ENGLISH CREEK AVE STE 3
EGG HARBOR TOWNSHIP,  NJ  08234-9711
(866) 232-9080 http://www.moneymanagement.org
SENIOR CITIZENS UNITED COMMUNITY SERVICES OF CAMDEN COUNTY, INC. 80409 537 W NICHOLSON RD
AUDUBON,  NJ  08106-1912
(856) 456-1121 http://www.scucs.org
TRI-CITY PEOPLES CORPORATION 83475 675 S. 19TH STREET
NEWARK,  NJ  07103-1033
(973) 676-5506 http://www.tri-citypeoples.org
HECM Counseling Agency Roster as of 06/05/2013
(9 records were selected, 9 records displayed.)
Name Agency ID Address Phone Web Site
AFFORDABLE HOUSING ALLIANCE, INC. 82133 59 BROAD ST
EATONTOWN,  NJ  07724-1528
(732) 389-2958 http://www.housingall.org
CCCS OF NEW JERSEY 82701 185 RIDGEDALE AVE
CEDAR KNOLLS,  NJ  07927-1812
(973) 267-4324 http://www.cccsnj.org
COUNTY OF BERGEN, DEPARTMENT OF HUMAN SERVICES, DIVISION OF SENIOR SERVICES 80398 1 BERGEN COUNTY PLZ FL 2
HACKENSACK,  NJ  07601-7077
(201) 336-7400 http://www.co.bergen.nj.us
FAMILY GUIDANCE CENTER CORPORATION 82094 1931 NOTTINGHAM WAY
HAMILTON,  NJ  08619-3554
(609) 586-2574 http://www.cccscentralnj.com
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NOVADEBT 82226 225 WILLOWBROOK ROAD
FREEHOLD,  NJ  07728-5921
(866) 472-4557 www.novadebt.org
GARDEN STATE CONSUMER CREDIT COUNSELING, INC. D/B/A/ NOVADEBT 84870 225 WILLOWBROOK ROAD
FREEHOLD,  NJ  07728-5921
(866) 472-4557 www.novadebt.org
MONEY MANAGEMENT INTERNATIONAL EGG HARBOR TOWNSHIP 82643 3073 ENGLISH CREEK AVE STE 3
EGG HARBOR TOWNSHIP,  NJ  08234-9711
(866) 232-9080 http://www.moneymanagement.org
SENIOR CITIZENS UNITED COMMUNITY SERVICES OF CAMDEN COUNTY, INC. 80409 537 W NICHOLSON RD
AUDUBON,  NJ  08106-1912
(856) 456-1121 http://www.scucs.org
TRI-CITY PEOPLES CORPORATION 83475 675 S. 19TH STREET
NEWARK,  NJ  07103-1033
(973) 676-5506 http://www.tri-citypeoples.org