Serving Arizona
Reverse Mortgages in Arizona
Honest HECM Education for AZ Homeowners
Why Arizona homeowners are exploring HECM
Arizona is one of the top retirement destinations in the country — and for good reason. Warm weather, lower cost of living than California, and a strong real estate market make it an ideal place to age in place. But even with a paid-off home, many Arizona retirees find themselves equity-rich and cash-tight. Between rising property taxes in fast-growing metros like Phoenix and Scottsdale, increasing insurance costs, and the general squeeze of fixed-income living, your home equity might be the underutilized asset that changes your financial picture.
Arizona housing snapshot
~$435,000
Approximate median home value
$1,249,125
2026 FHA lending limit (nationwide)
Arizona's housing market has seen strong appreciation in recent years, particularly in the Phoenix metro area. This means many long-term homeowners are sitting on significant equity — often far more than they realize. Whether you're in a golf community in Scottsdale or a ranch home in Tucson, that equity can be put to work through a HECM.
AZ metro area estimates
Values are approximate and for educational purposes only. Actual HECM amounts depend on appraised value, borrower age, and current interest rates.
What makes Arizona unique for reverse mortgages
No state income tax on retirement income: Arizona doesn't tax Social Security benefits, and has favorable treatment of pension and retirement account withdrawals. Combined with tax-free HECM proceeds, this creates a very efficient retirement income picture.
Strong appreciation markets: Phoenix, Scottsdale, and surrounding areas have seen significant home value growth, meaning many homeowners have more equity available than they expect.
Year-round primary residence: Since HECM requires the home to be your primary residence, Arizona's year-round livability is a natural fit. Snowbirds who split time should confirm they meet the occupancy requirement.
Active adult communities: Many Arizona 55+ communities and HOA-governed neighborhoods are HECM-eligible, though condo projects need FHA approval.
Manufactured homes: Arizona has a significant number of manufactured homes. Those built after June 1976 on a permanent foundation may qualify for HECM — worth checking if this applies to you. Mortgage lending in Arizona is regulated by the Arizona Department of Insurance and Financial Institutions.
How it works for AZ homeowners
The HECM process in Arizona follows the same federally regulated steps as every other state — with some local nuances in property taxes, insurance, and appraisal timelines.
Free consultation
We discuss your situation, goals, and whether a HECM makes sense for your Arizona home.
HUD counseling
You'll speak with an independent, HUD-approved counselor — required for every borrower, for your protection.
Application & appraisal
An FHA-approved appraiser evaluates your Arizona property to determine your home's value and condition.
Underwriting & closing
Your application is reviewed, documents are prepared, and you close — typically 30-45 days from application.
Receive your funds
Choose your disbursement: lump sum, line of credit, monthly payments, or a combination. No monthly mortgage payments.