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Reverse HELOC – Florida Lender

A Quick Snapshot of Your Reverse HELOC Options

Flexible Credit Line

Access home equity through a revolving credit line that can grow over time—withdraw only when needed.

No Monthly Payments

Borrowers are not required to make monthly mortgage payments; repayment occurs later when the loan matures.

Keep Your First Mortgage

Your existing mortgage stays in place while the Reverse HELOC functions as a second-lien credit line.

Retain Full Ownership

Stay on the title and maintain full control of your home while gaining financial flexibility during retirement.

Why Choose a Reverse HELOC in Florida

A Reverse HELOC provides homeowners—typically 62 or older—with a flexible way to access home equity without monthly mortgage payments. Instead of receiving a lump sum, you gain a revolving credit line you can draw from as needed, offering long-term adaptability for retirement planning.

This structure allows your available credit to increase over time, creating a powerful financial safety net for unexpected expenses or future needs. Because it is a second mortgage, your existing first mortgage stays untouched, allowing you to preserve your current rate while still unlocking additional equity.

At Select Home Loans, we guide Florida homeowners through each step of securing a Reverse HELOC, ensuring the program aligns with individual retirement goals and provides predictable, long-term support.

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Why choose Select Home Loans?

  • Trusted mortgage experts across Florida.

  • Specialized in self-employed and alternative income home loans.

  • Quick pre-approvals and competitive low rates.

  • Decades of combined mortgage experience.

  • Dedicated loan officers guiding you every step of the way.

  • Streamlined, secure, and easy online application process.

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Transforming Your Financial Goals Into Reality

15

Average to Close

3500

People found their dream home with Select Home Loans

40

More savings than you would get with some of our competitors

Secure Your Reverse HELOC Loan Today

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Hear What Our Clients Have To Say!

“While visiting my wife's parents who have lived in Florida for a number of years, my wife and I decided to look for a new home. After looking at several homes for sale, my wife and I found the home we wanted. We mentioned to our real estate agent that we would need to obtain a mortgage as it would probably be a year until we were ready to sell our home in New Jersey and he recommended that we contact Select Home Loans. That was the best advice we received. Although we were some 1,300 miles away, our David Shefsky at Select Home Loans walked us through each step requesting the necessary documentation he needed. Two months later, we had our mortgage. One year after that, we became permanent Florida residents and Select Home Loans helped us achieve our goal. Thank you”

Re S.Boca Raton, FL

“I just wanted to send a note to thank you for all of your support and guidance throughout the mortgage process while purchasing our home. It could have been a nerve-racking experience and you very calmly guided me along the way and certainly made the experience much better than it easily could have been. Once again, thank you. It was a pleasure doing business with you and Select Home Loans.”

Isabel B & Gerald BWest Palm Beach, FL

“Thank you Scott, for your superb assistance with Barry & Sally! Really appreciate working with people that take their profession to that next level like you!”

Miriam L.Orlando, FL

“When I found a house I wanted to purchase, was new to the area and just picked a mortgage company out of a hat. Fortunately, this was Select Home Loans and my experience working with my Mortgage Banker was excellent. He was professional, knowledgeable, and efficient, as was his office staff. Although I had the financial resources to pay for the house, my financial situation was unusual, and he was up to the challenge of working out a loan for me with a good interest rate. From start to finish, the process went smoothly and without any surprises. Any potential hitches were dealt with quickly and effectively; his manner was always pleasant and he made himself very available. No long waits for him to call back. I highly recommend Select Home Loans.”

Judy M.Boca Raton, FL