✓ No FHA Approval Required
✓ Open Line of Credit While You Meet Loan Terms
✓ Available at Age 55
✓ Loans Up to $4 Million
For Florida homeowners with high value properties seeking loan amounts that exceed standard reverse mortgage limits. No FHA approval required. Available at age 55. No upfront mortgage insurance.
Serving high value properties in Miami Beach, Naples, Palm Beach, Sarasota, St Petersburg and throughout Florida's most prestigious communities.
See If You May Qualify Or Call (727) 244-7076No obligation · No paperwork to get started · We take our time with you
Fill out the short form below and we will prepare your free super jumbo reverse mortgage loan comparison and reach out. No paperwork. No commitment. No obligation of any kind.
Your information stays private. We do not sell your personal information.
Please note: Borrowers are always responsible for the payment of property taxes, homeowners insurance, HOA dues, and any special assessments. Failure to meet these obligations may result in the loan becoming due and payable. This is not a commitment to lend. All loans are subject to credit and property approval.
If your Florida home is worth $2 million or more the standard government reverse mortgage program captures only a fraction of your available equity.
The FHA Home Equity Conversion Mortgage has federal lending limits that do not reflect the reality of high value Florida real estate. Many Florida homeowners with significant equity are left with limited options through traditional channels.
A super jumbo proprietary reverse mortgage is designed specifically for this situation. It is a private loan with its own underwriting criteria and maximum loan amounts significantly higher than the government program.
Here is why the standard government program falls short for high value properties:
Our proprietary super jumbo reverse mortgage offers loan amounts up to $4 million for eligible Florida homeowners and condominium owners.
We serve Florida homeowners with high value single family homes and condominium properties throughout the state. Each loan is evaluated individually and is subject to property and borrower approval.
For owners of high value Florida properties, these advantages make a significant difference in accessing the equity you have built.
Our super jumbo proprietary reverse mortgage offers loan amounts up to $4 million for eligible Florida properties. For properties that may require loan amounts above $4 million we review each situation individually. Contact us directly to discuss your specific property and goals. Subject to property and borrower approval and underwriting.
Unlike the government HECM which requires age 62 our super jumbo reverse mortgage is available starting at age 55. Access your equity earlier without waiting seven additional years for the government program.
High value properties and luxury condominiums often face FHA hurdles. Our super jumbo loan has no FHA requirements. Each property is evaluated on its own merits regardless of FHA or HUD approval status.
The FHA program charges upfront mortgage insurance based on your home value. Our proprietary loan does not have this charge because it is not a government loan.
Our line of credit has no expiration date. It remains open as long as you have available funds and you continue to meet your loan obligations, including property taxes, homeowners insurance, HOA dues, and special assessments. At closing, at least 25% of the amount available to you is taken as a one-time draw that cannot be redrawn. Any amount you do not draw at closing stays available as a reusable line of credit.
Real reviews from Florida homeowners who trusted us with their reverse mortgage.
What qualifies as a super jumbo reverse mortgage?
A super jumbo reverse mortgage is a proprietary private loan designed for very high value properties with loan amounts significantly exceeding standard FHA HECM limits. Our proprietary reverse mortgage offers loan amounts up to $4 million for eligible Florida borrowers subject to property and borrower approval. For properties that may require loan amounts above $4 million we review each situation on a case by case basis. Contact us directly to discuss your specific property.
What property values are eligible?
Contact us for a free loan comparison showing your specific numbers based on your property value, age, and situation. Our proprietary super jumbo reverse mortgage serves a range of high value Florida properties. Each situation is unique and we are happy to walk you through the numbers at no cost and with no obligation.
Are luxury condos eligible?
High value Florida condominiums may qualify even if the condo community is not on the FHA approved list. We evaluate each property individually and eligibility is subject to underwriting approval. Many of our clients own luxury or waterfront condominiums that government programs simply cannot serve.
Can I access all $4 million at once?
The loan amount and how you access funds depends on your specific loan structure. Options typically include a lump sum, line of credit, or combination. Contact us for details on your specific situation. Borrowers remain responsible for property taxes, homeowners insurance, HOA dues, and any special assessments.
How do I get started?
Fill out the short form on this page and we will prepare your super jumbo reverse mortgage loan comparison and reach out to walk you through your numbers. No paperwork and no obligation of any kind.
There is no paperwork required to speak with us. No pressure of any kind. Just an honest conversation about your home, your situation, and your options.
Sunshine State Home Loans · Licensed in Florida · Serving homeowners across the entire state
This website is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to eligibility requirements, terms, and conditions. All loans are subject to credit approval. This material is not a commitment to lend. Sunshine State Home Loans is licensed to offer mortgage products in the state of Florida. Results vary based on individual circumstances. For complete program details, please contact us directly at (727) 244-7076.