Serving Florida
Reverse Mortgages in Florida
Honest HECM Education for FL Homeowners
Why Florida homeowners are exploring HECM
Florida has the second-highest population of residents 65 and older in the nation — and many of them are homeowners sitting on significant equity. Whether you retired to Florida years ago and your home has appreciated substantially, or you've lived here your whole life and watched the market transform around you, that equity represents an untapped financial resource. Between rising insurance premiums (a major issue across Florida), property taxes, HOA fees, healthcare costs, and everyday expenses, many Florida retirees find that a HECM helps them maintain the lifestyle they moved here for — without selling the home they love.
Florida housing snapshot
~$400,000
Approximate median home value
$1,249,125
2026 FHA lending limit (nationwide)
Florida's housing market varies dramatically by region. South Florida commands premium prices, while areas like Jacksonville, the Gulf Coast, and Central Florida offer more moderate values — all with strong HECM potential. Florida's insurance market has been volatile in recent years, making the ability to access equity for unexpected costs even more valuable.
FL 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 Florida unique for reverse mortgages
No state income tax: Florida is one of the most tax-friendly states for retirees. Combined with non-taxable HECM proceeds, your retirement income strategy can be extremely efficient.
Homestead Exemption: Florida's generous Homestead Exemption reduces your property tax bill and remains in effect with a HECM. Qualifying seniors 65+ may get additional exemptions.
Insurance cost management: Florida's homeowner insurance premiums have risen dramatically. A HECM line of credit can serve as a buffer for unexpected premium increases or help manage these rising costs.
Condo market considerations: Florida has one of the largest condo markets in the country. Post-Surfside legislation has changed some condo requirements — FHA approval status is important to verify before applying.
Massive 62+ population: Florida's robust reverse mortgage infrastructure means HUD counselors, FHA appraisers, and experienced professionals are readily available across the state. Reverse mortgage lenders in Florida are regulated by the Florida Office of Financial Regulation.
How it works for FL homeowners
The HECM process in Florida 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 Florida 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 Florida 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.
Explore FL cities & communities
Miami →
Miami-Dade County — FL's highest HECM volume
Fort Lauderdale →
Broward County condos & waterfront homes
Tampa →
Tampa Bay, St. Pete & Clearwater
Orlando →
Central Florida's growing retiree market
Jacksonville →
Northeast FL & military retiree community
The Villages →
America's largest 55+ community
Naples →
Collier County's luxury retirement market
Fort Myers →
Lee County & Cape Coral's growing retirement market
Sarasota →
Sarasota, Bradenton & Venice
Palm Beach County →
Boca Raton, Delray Beach & West Palm