Serving Colorado
Reverse Mortgages in Colorado
Honest HECM Education for CO Homeowners
Why Colorado homeowners are exploring HECM
Colorado homeowners have watched their property values climb significantly over the past decade — especially along the Front Range. But rising home values don't help with day-to-day expenses when you're on a fixed income. Many Colorado retirees own homes worth $500,000 or more, yet feel the pinch of property taxes, insurance, healthcare costs, and the general cost of living in a state that's grown more expensive. A HECM lets you convert some of that appreciation into usable funds without selling the home you love — whether it's a bungalow in a historic Denver neighborhood or a home with mountain views outside Colorado Springs.
Colorado housing snapshot
~$540,000
Approximate median home value
$1,249,125
2026 FHA lending limit (nationwide)
The Front Range corridor (Denver to Fort Collins) represents some of the strongest housing values in the Mountain West. Even communities like Grand Junction and Pueblo, while more affordable, have seen steady appreciation. Long-term Colorado homeowners are often surprised by how much equity they've accumulated.
CO 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 Colorado unique for reverse mortgages
Significant home equity: Colorado's decade-long appreciation means many homeowners — especially those who bought 10+ years ago — have substantial equity available through HECM, often more than they realize.
Senior Property Tax Exemption: Colorado homeowners 65+ may qualify for a 50% reduction on the first $200,000 of their home's assessed value, making the property tax obligation easier to manage alongside a HECM.
Diverse property types: From Denver condos to mountain homes to rural ranch properties, Colorado's variety of housing types mostly qualify for HECM as long as they meet FHA condition standards.
High cost of living offset: Colorado's cost of living has risen substantially. A HECM can bridge the gap for retirees whose fixed income hasn't kept pace with Front Range expenses.
Year-round residency: Unlike seasonal states, most Colorado homeowners live in their homes year-round, naturally meeting HECM's primary residence requirement. Mortgage lending in Colorado is regulated by the Colorado Division of Real Estate.
How it works for CO homeowners
The HECM process in Colorado 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 Colorado 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 Colorado 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.