Liberty Home Equity Solutions

For over a decade, Liberty Reverse Mortgage (Liberty) has been committed to helping seniors gain financial independence and security through Home Equity Conversion Mortgages (HECMs). Based in Sacramento, California, Liberty is one of the nation's largest and most experienced reverse mortgage lenders, focusing exclusively on providing HECM loans to senior clients and wholesale business partners.

Since our company was founded in 2004, we have stayed true to our mission of helping clients build financial independence and security through home equity solutions. Over the years, we have grown from a small start-up to one of the largest Reverse Mortgage lenders in the nation. We have helped over 50,000 seniors obtain access to the equity in their homes to help them live more comfortable and financially secure lives.

A Home Equity Conversion Mortgage (HECM) loan - also known as a reverse mortgage - can be an important financial option for seniors, their family members, and financial professionals to consider as part of an overall retirement planning strategy or to help meet cash flow needs.

A HECM loan is insured by the Federal Housing Administration (FHA)1 and allows senior homeowners 62 and over to access part of the equity in their home to help them live more comfortably during retirement.As required by the Federal Housing Administration (FHA), you will be charged an initial mortgage insurance premium (MIP) at closing and, over the life of the loan, you will be charged an annual MIP based on the loan balance.

At Liberty, we are committed to providing industry leading education, training support, and insights to help our clients, partners and employees succeed. Consumer Resources & Education We provide comprehensive educational materials and videos to help clients understand how a Home Equity Conversion Mortgage works and get the facts they need to help in their decision process.

Over the years, we have received countless letters of thanks from the many clients that we have helped. For many of the clients we assist, obtaining a Home Equity Conversion Mortgage (Also known as a reverse mortgage) was a life changing event. Here are some of the personal stories that our clients have shared with us through the years.