Proudly Serving Arizona Homeowners 62+

    Arizona Reverse Mortgage (HECM) Options for Homeowners 62+

    Stay in the home you love. Live the life you want.

    Turn the value of your home into more freedom, flexibility, and possibilities for the years ahead — with no required monthly mortgage payments.

    Group of happy seniors enjoying an active outdoor lifestyle at sunset
    🏛️
    HUD-Approved
    Counseling
    🏠
    FHA-Insured
    Program

    Get Your Free Assessment

    Find out how much tax-free cash you could unlock from your home.

    Written proposal within 24 hours. No pressure, no obligation.

    ✓No required monthly mortgage payments✓Stay in your home✓FHA-insured program

    By submitting this form, you agree to be contacted by A to Z Home Loans regarding your inquiry.

    🛡️AZMB Licensed
    🏠FHA Approved
    ⚖️Equal Housing Lender
    ⏱️ Our 24-Hour Promise

    Your numbers in 24 hours. Your decision at your pace.

    Your full proposal within 24 hours. The rest moves at your pace — on purpose.

    A reverse mortgage is a big decision, and we treat it like one. Within 24 hours of your free assessment, you'll have a complete written proposal showing exactly what a HECM would look like for your home. Then the timeline is yours. We'll walk you through every in and out, you'll complete independent HUD-approved counseling, and you'll have all the time you need to talk it over with your family.

    This loan isn't fast — and that's intentional. If it's not the right fit, we'll tell you that too. We'd rather do no loan than put you in the wrong one.

    Active Arizona retirees laughing during a game of pickleball
    Aging in place, on your terms

    Retirement is for living — not just getting by.

    Picture more mornings on the court, more time with the grandkids, and more of the trips you've been putting off. The years ahead should be full of freedom and possibility — and the home you've worked so hard for can help make them exactly that.

    🧮 Free Savings Estimator

    How much could you free up?

    See how eliminating your mortgage payment — and investing that money — could transform your retirement. Adjust the sliders to match your situation.

    $/ mo
    yrs
    %
    Monthly Savings
    $1,800
    per month freed up
    💵
    Yearly Savings
    $21,600
    per year freed up
    📈
    Total Freed Over 20 Years
    $432,000
    cash flow unlocked
    🧾
    If invested at 10% / yr
    $1.37M
    Projected portfolio value
    +$934,864
    📈

    Illustrative estimate only. Investment returns are not guaranteed. Not a commitment to lend or investment advice.

    See What You May Have Access To

    Use this calculator to get a rough estimate of the funds you may be able to access with a reverse mortgage, based on your age and home value.

    Estimates only — not a commitment to lend. Actual proceeds depend on age, home value, interest rates, and program limits.

    The A to Z Difference

    We aren't a national call center. We are your neighbors here in Arizona, dedicated to providing transparent, pressure-free financial guidance for your retirement.

    🏠

    Local Arizona Expertise

    We know the Arizona market. From Scottsdale to Tucson, we understand local property values and specific state regulations.

    🛡️

    No-Pressure Education

    A reverse mortgage isn't for everyone. We take the time to educate you on all your options so you can make the best choice.

    💲

    Comprehensive Guidance

    From your first question to closing, we handle everything from A to Z, ensuring a smooth and stress-free process.

    🤝

    The Right-Fit Promise

    We'd rather make nothing than put you in a loan that isn't right for you. If a HECM doesn't fit your situation, we'll say so plainly and point you toward what does.

    Why Consider a Reverse Mortgage?

    A HECM reverse mortgage can help unlock your home's equity with no required monthly mortgage payments!

    A Home Equity Conversion Mortgage (HECM) allows homeowners aged 62+ to access a portion of their home's equity without taking on a new monthly mortgage payment.

    • ✓Eliminate your current monthly mortgage payments (borrower must continue to pay property taxes, homeowners insurance, and maintenance)
    • ✓Receive tax-free funds as a lump sum, monthly payments, or a line of credit
    • ✓Stay in your home and retain title ownership
    • ✓Cover medical expenses, home renovations, or supplement retirement income
    🏠

    Arizona Homeowners

    Trusted reverse mortgage specialists serving Scottsdale, Phoenix, Tucson, Mesa, and communities across Arizona.

    62+
    Min. Age
    FHA
    Insured
    HUD
    Approved
    62+
    The minimum age requirement to qualify for a HECM reverse mortgage
    Arizona retirees enjoying an active day on the pickleball court

    Ready to learn more?

    Speak directly with a local Arizona expert. No obligations, just clear answers to your questions.

    Call (623) 498-9251
    📖 Helpful Reading

    Learn more about reverse mortgages

    Honest, no-pressure guides to help you decide if a reverse mortgage fits your retirement.