Eliminate your monthly mortgage payment and get the financial freedom you deserve — without selling your home.
What It Can Do For You
Eliminate your existing mortgage payment for the life of the loan. You still cover property taxes and insurance — but no more principal and interest checks.
You keep the title. You live in your home for as long as you like. This is a loan against your equity — not a sale, not a transfer, not a trick.
FHA-insured and non-recourse. You will never owe more than your home is worth, and your heirs are always protected. The math is on your side.
About Reverse Freedom Mortgage
We are not a call center. We are a small Utah team that has spent 17 years helping families figure out whether a reverse mortgage actually makes sense for them.
Watch this short overview to meet the team and hear directly from the people who will pick up your phone call.
Start your free estimate
Simple Process
No jargon. No pressure. Just a clear explanation of how Utah homeowners 62+ can access their home equity.
A free, no-obligation conversation with a Utah loan officer. We look at your home value, any existing mortgage, and your goals. No credit pull required to get started.
We show you exactly how much equity you could access, what it means for your monthly budget, and what your options are — in plain English, no surprises.
If a reverse mortgage is right for you, we guide you through every step of HUD-required counseling, appraisal, and closing. If it's not right, we'll tell you that too.
4.8 out of 5 stars · 45+ verified Google reviews from homeowners across Utah
Chad and his team walked us through every step. We were nervous about a reverse mortgage, but they answered every question with patience and never once pressured us. Now we have no mortgage payment and life feels different.
We're from Brigham City and were skeptical at first. Reverse Freedom Mortgage made the whole process simple and clear. No pressure, just honest answers. Highly recommend to any Utah family on the fence.
I was worried about losing my home or leaving nothing to my kids. Chad sat down and explained exactly how the non-recourse protection works. My fears went away. This was the right decision for our family.
After 35 years of making mortgage payments, the idea of never writing another check felt too good to be true. Chad showed us the numbers. Six months later, it is absolutely true. Life-changing.
Our financial advisor recommended we look into this. Reverse Freedom Mortgage made a process that sounded complicated feel completely manageable. Professional and honest from start to close.
I called three different reverse mortgage companies. Reverse Freedom was the only one that told me to take my time, talk to my kids, and come back when I was ready. No pressure. That's why I chose them.
Local Utah Experts
From Salt Lake City to St. George, we serve every Utah community. Your local reverse mortgage specialist is a phone call away.
Free Education
We believe an educated client makes the best decision — even if that decision isn't a reverse mortgage. Start with these short videos.
Maximizing Home Equity with a Reverse Mortgage
Winning Strategy for Paid-Off Homes
Keep Your Independence at Home
Meet the Owner
I started Reverse Freedom Mortgage in 2008 because I kept meeting Utah retirees who felt stuck. They loved their homes but needed cash flow. Selling felt wrong. A reverse mortgage changed everything for them.
Seventeen years later, our team has helped more than 1,200 Utah families access their home equity and stay in the homes they love. Lonny, Casey, Vicky, and Stephanie are here with me every day making sure every client gets a straight, honest answer.
Our free Utah reverse mortgage calculator gives you a real estimate — no email required, no credit pull, no obligation. Based on current FHA lending limits ($1,249,125 for 2026).
Ready to Learn More?
A real Utah loan officer will review your situation and give you an honest answer — whether a reverse mortgage makes sense for you, or not.
Mon – Fri, 9am – 5pm · West Jordan, UT
Utah's reverse mortgage specialists since 2008. Helping Utah retirees live the retirement they imagined.
HUD/FHA Notice: This material is not from HUD or FHA and has not been approved by HUD or a government agency.
Loan Repayment: A reverse mortgage is a loan that must be repaid. Borrowers must continue to pay property taxes, homeowners insurance, and maintain the property as a primary residence. Failure to do so may result in foreclosure.
Reverse Freedom Mortgage is licensed in the State of Utah. NMLS #1382816, Utah DRE License #9441193.
© Reverse Freedom Mortgage. All rights reserved.
