A Flexible Line-of-Credit Reverse Mortgage with Up to $4 Million in Access
At Marshall, Everett & Associates, Inc., we understand that your home is more than just your largest asset—it’s also your gateway to long-term financial flexibility. That’s why we offer HomeSafe® Select, a proprietary reverse mortgage that provides access to a growing line of credit and up to $4 million in loan proceeds—all without monthly mortgage payments.*
Ideal for high-value properties and clients seeking retirement cash flow or financial security, HomeSafe® Select is a powerful alternative to a traditional HELOC or cash-out refinance.
What Is HomeSafe® Select?
HomeSafe® Select is an adjustable-rate, proprietary reverse mortgage that allows homeowners to tap into equity through a combination of:
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An initial upfront draw
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A growing line of credit (LOC) available for 7 years
This product is tailored for borrowers who want flexibility: whether you need funds now, later, or both.
How It Works
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Borrowers must draw a minimum of 25% of the loan proceeds upfront
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The remaining 75% becomes a line of credit with a 1.5% annual growth rate for the first 7 years
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Unused LOC grows automatically, providing more available funds over time
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Loan becomes due only when the borrower leaves the home, sells the property, or no longer meets loan terms
Key Features
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Adjustable-rate reverse mortgage with a 1.5% growth rate on unused LOC
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Line-of-credit access for 7 years from closing
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Loan amounts up to $4,000,000
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No required monthly mortgage payments while living in the home and meeting loan obligations
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No mortgage insurance premium (MIP)
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No required refinancing of your existing mortgage (if applicable)
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Available to homeowners aged 55+ (state-dependent)
Who Should Consider HomeSafe® Select?
This product is ideal for homeowners who:
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Want to manage cash flow in retirement
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Own high-value homes and want to retain title
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May not qualify for FHA-backed HECM loans
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Are seeking an alternative to a HELOC with more borrower-friendly repayment terms
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Desire a growing safety net they can access later
Property & Eligibility
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Eligible property types: Single-family homes, townhomes, PUDs, eligible condos, 2–4 unit homes
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Available in approved states including CA, AZ, TX, FL, WA, and more
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Borrowers must be age 55+ (state requirements vary)
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Must occupy the property as primary residence
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Financial assessment and proprietary reverse mortgage counseling required
Your Retirement, Your Terms
With HomeSafe® Select, you choose how and when to use your equity—whether it’s for travel, investments, health care, or simply peace of mind.
Let’s find out if this innovative reverse mortgage is the right fit for you.
Call us: (818)971-9380
Serving Southern California & beyond
Disclaimers:
HomeSafe® is a registered trademark of Finance of America Reverse LLC. Product offered exclusively through approved broker partners such as Marshall, Everett & Associates, Inc.
*Borrowers must continue to pay property taxes, homeowners insurance, HOA dues (if applicable), maintain the property, and live in the home as their primary residence. Failure to meet these obligations may cause the loan to become due and payable.