How much money could I get from a reverse mortgage in Layton?

It depends on your age, your home's value, current interest rates, and any existing mortgage balance. Borrowers can typically access roughly 40-55% of their home's value, with older borrowers generally qualifying for a higher percentage.

Is Reverse Freedom Mortgage a legitimate company?

Yes. Reverse mortgages (HECMs) are insured by the FHA and have existed for decades. Reverse Freedom Mortgage is a Utah-owned, BBB Accredited business, NMLS #1382816, Utah DRE #9441193, based in West Jordan, Utah.

(801) 921-HOME (4663)

Layton · Davis County, Utah

Reverse mortgages for Layton homeowners 62+

Q: What happens if I still owe money on my current mortgage?

Many homeowners use a reverse mortgage to pay off their existing mortgage balance first, which eliminates that monthly payment, and then access any remaining equity as cash, a line of credit, or monthly payments.

If you own a home in Layton, you may be sitting on more equity than you realize. A reverse mortgage lets you turn part of that equity into cash — with no monthly mortgage payments required — while you stay in the home you love.

Get my free estimate (801) 921-HOME

$492,775

Typical Layton home value (Zillow, 2026)

$1,249,125

2026 FHA HECM lending limit — applies to all of Davis County

62+

Minimum age to qualify for a HECM reverse mortgage

Why Layton homeowners call us

A local team, not a call center

We're based in West Jordan and work with homeowners across Layton and Davis County every day. Here's what that means for you.

Utah-based, Utah-licensed

Headquartered in West Jordan, NMLS #1382816 and Utah DRE #9441193 — we know the local market.

4.8 / 5 from local homeowners

45+ Google reviews from Utah homeowners we've helped, and a BBB Accredited Business rating.

Free, no-obligation estimate

See your numbers before you decide anything. No fees to get started, no credit pull required.

Honest answers, even "no"

If a reverse mortgage isn't the right fit for your situation, we'll tell you — no pressure, ever.

Layton home values

Your home may be worth more than you think.

The typical Layton home is valued around $492,775 as of 2026. Like much of Davis County, the market here has cooled somewhat over the past year — but for homeowners who've owned their home for many years, the equity built up over that time often remains substantial.

A reverse mortgage lets you access a portion of that equity as tax-free* cash — as a lump sum, a line of credit, monthly payments, or a combination — without selling your home or taking on a monthly mortgage payment.

*Consult a tax advisor. Source: Zillow Home Value Index, Layton, UT, 2026.

$492,775

Typical Layton home value

~40–55%

Of home value potentially accessible, depending on age

Layton neighborhoods we serve, from East Layton to Kays Creek

Areas we serve

Layton neighborhoods we work in

Wherever you are in the city, a Reverse Freedom loan officer can meet with you in person, by phone, or by video call.

East Layton

Kays Creek

Lakeview

Pleasant Valley

Rolling Hills

Sun Hills

Sunset

Walker

Fairfield Meadows

East Pointe

Adams Canyon

Heritage Park

Don't see your neighborhood listed? We work with homeowners throughout Davis County and across Utah — reach out and we'll confirm coverage for your area.

Getting started is simple

Three steps to your free estimate

Tell us about your home

Share a few basic details about your Layton home, your age, and any existing mortgage balance.

Get your free estimate

A local Utah loan officer reviews your situation and gives you an honest, no-obligation estimate — usually within one business day.

Decide what's right for you

Ask every question you have. If it makes sense, we'll guide you through the next steps. If not, no hard feelings.

Common questions

Layton reverse mortgage FAQs

Can I get a reverse mortgage on my Layton home?

In most cases, yes. If you're 62 or older, live in the home as your primary residence, and have sufficient equity, a HECM reverse mortgage is available on most single-family homes, FHA-approved condos, and 2–4 unit properties in Layton and throughout Utah.

How much money could I get?

It depends on your age, your home's value, current interest rates, and any existing mortgage balance. As a rough guide, borrowers can typically access roughly 40–55% of their home's value, with older borrowers generally qualifying for a higher percentage. Try our free calculator for a personalized estimate, or talk to a loan officer for exact numbers.

Do I have to make monthly mortgage payments?

No. With a reverse mortgage, you're not required to make monthly principal and interest payments. You're still responsible for property taxes, homeowners insurance, and basic home maintenance, and the home must remain your primary residence.

What happens if I still owe money on my current mortgage?

That's very common. Many Layton homeowners use a reverse mortgage to pay off their existing mortgage balance first — which eliminates that monthly payment — and then access any remaining equity as cash, a line of credit, or monthly payments.

Will my children inherit the home, or does the bank take it?

You and your heirs retain ownership of the home. When the last borrower permanently leaves the home, the loan becomes due. Heirs can choose to repay the loan and keep the home, sell the home and keep any remaining equity, or walk away — reverse mortgages are non-recourse, so heirs are never required to pay more than the home is worth.

Is this a scam? Why haven't I heard of Reverse Freedom Mortgage?

Reverse mortgages (HECMs) are insured by the FHA and have existed for decades — they're a regulated, mainstream financial product. Reverse Freedom Mortgage is a Utah-owned, BBB Accredited business (NMLS #1382816, Utah DRE #9441193) based in West Jordan. We encourage you to look us up, read our reviews, and ask us anything before deciding.

Get your free Layton estimate

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.

Get my free estimate (801) 921-HOME

Mon – Fri, 9am – 5pm · West Jordan, UT

Utah's reverse mortgage specialists since 2008. Helping Utah retirees live the retirement they imagined.

9089 S 1300 W STE #110, West Jordan, UT 84088

(801) 921-HOME (4663)

[email protected]

Mon – Fri, 9am – 5pm

Ready to see what your home can do for you? Free estimate. No obligation. A real Utah loan officer will walk you through it.

(801) 921-HOME Free Estimate

BBB Accredited NMLS #1382816 Utah DRE #9441193 FHA-Approved Lender Equal Housing Lender