🏡 Keep Your Home. Protect Your Equity. Catch Up on Back Property Taxes.
Falling behind on property taxes doesn’t mean you have to lose your home. With a Retirement Mortgage, you can use your home’s equity to pay off back taxes, make monthly mortgage payments options, and set up automatic escrow so your taxes and insurance are always paid on time.
- ✓Catch up on delinquent property taxes.
- ✓Set up automatic payments for taxes & insurance.
- ✓Make monthly mortgage payments Options.
- ✓Stay in your home with peace of mind.
✅ How We Help Senior Homeowners Get Back on Track
1. Catch Up on Back Taxes
We’ll use your home’s built-up equity through a HECM to pay off past-due property taxes in full, protecting you from foreclosure.
2. Set Up a Tax & Insurance Escrow Account
Never miss another tax payment again. Your future property taxes and homeowners insurance are paid automatically through an escrow account.
3. Make Monthly Mortgage Payments Options
With a Monthly Mortgage, you’ll never be required to make a monthly principal and interest rate payment again (you’ll still pay property taxes, homeowners insurance, and maintenance).
4. Stay in Your Home with Peace of Mind
You keep ownership of your home and stay on title — it’s your home for as long as you live there.
Am I Eligible?
- ✓Age 62+ and live in the home as your primary residence.
- ✓Substantial home equity (typically 65%+ combined loan‑to‑value depending on age & rates).
- ✓Able to meet ongoing obligations: property taxes, insurance, HOA (if any), and home maintenance.
Important: Program guidelines vary by county and lender overlays. We’ll review your situation and provide a clear, custom plan.
🔒 Protect What You’ve Built
You worked a lifetime to build equity in your home. Don’t lose it to unpaid taxes or unnecessary stress.
Let’s talk about your options — there’s no obligation and no pressure.
📞 Schedule a Free Consultation TodayReal Story: A Retirement Mortgage Helped Save Her Home
“After my husband passed, I fell behind on my property taxes and didn’t know where to turn. Kevin showed me how I could use my home’s equity with a Retirement Mortgage to pay off the taxes and set up automatic payments. Now I sleep at night knowing my home is safe.”
— Mary T., Colorado Springs
Frequently Asked Questions
Will I still own my home?
Yes. You remain on title. A Retirement Mortgage is a mortgage lien secured by your home, not a transfer of ownership.
Can a Retirement Mortgage really pay off my delinquent property taxes?
Yes. Retirement Mortgage proceeds can be used to pay eligible liens including past‑due property taxes as part of your loan closing, subject to program rules and payoff verification.
What about future taxes and insurance?
We can establish an escrow account so property taxes and homeowners insurance are paid automatically going forward, reducing missed payments.
Do I have to make a monthly payment?
No, mortgage payments are optional with a Retirement Mortgage.
What if I want to move later?
You can sell the home, pay off the Retirement Mortgage balance (the lesser of the loan balance or the home’s value), and keep any remaining equity.