Jumbo Reverse Mortgages
Unlock More Equity from Your High-Value Home
Reverse Mortgage Solutions with Lending Limits of Up to $4 Million+ for Qualified Borrowers*
Local. Trusted. Committed since 1986.
Your home represents more than a place to live—it’s one of your most valuable financial assets. If you own a high-value home, a traditional FHA reverse mortgage may not provide access to the level of financing you need.
At Mortgage South of Tennessee, we offer Jumbo Reverse Mortgage solutions designed specifically for homeowners who want to leverage the value of luxury and higher-priced properties. Our proprietary jumbo programs provide substantially higher lending limits—up to $4 million or more for qualified borrowers, subject to lender approval and program guidelines.
Whether you’re looking to enhance your retirement income, eliminate an existing mortgage, or preserve other investment assets, a Jumbo Reverse Mortgage can provide greater financial flexibility while allowing you to remain in the home you love.
What Is a Jumbo Reverse Mortgage?
A Jumbo Reverse Mortgage is a proprietary reverse mortgage designed for homeowners whose property values exceed the limits of traditional FHA-insured reverse mortgages.
Unlike a standard HECM, jumbo reverse mortgages are privately funded and may offer:
- Higher available loan amounts
- Financing for luxury and high-value homes
- Greater flexibility for qualifying properties
- No FHA mortgage insurance premium
- Customized loan solutions based on your home’s value and financial goals
Because these are private loan programs, features and eligibility vary by lender and loan product.
Why Choose a Jumbo Reverse Mortgage?
Access More of Your Home’s Equity
Traditional reverse mortgages have lending limitations. Our jumbo programs are designed to help qualified homeowners with higher-value properties access significantly more equity.
Loan Limits Up to $4 Million+
Depending on your age, home value, location, and lender approval, qualified borrowers may be eligible for lending limits up to $4 million or more.
Stay in Your Home
Continue living in the home you’ve worked hard to build while converting a portion of your equity into available funds.
Flexible Disbursement Options
Depending on the loan program, proceeds may be available as:
- Lump sum
- Line of credit
- Monthly payments
- Combination payment plans
Ideal for Higher-Value Properties
A Jumbo Reverse Mortgage may be an excellent option for homeowners with:
- Luxury residences
- Custom-built homes
- Waterfront properties
- Executive homes
- Homes with substantial equity
- Higher-value primary residences
Our specialists will review your property and help determine which jumbo reverse mortgage program best fits your needs.
How Can You Use the Funds?
Your available proceeds may be used for virtually any purpose, including:
- Eliminate your current mortgage payment
- Supplement retirement income
- Preserve investment and retirement accounts
- Purchase another primary residence
- Pay healthcare or long-term care expenses
- Renovate or modify your home
- Create additional financial security for retirement
- Help manage taxes or estate planning strategies in consultation with your professional advisors
Why Choose Mortgage South of Tennessee?
For nearly 40 years, Mortgage South of Tennessee has specialized in helping homeowners find reverse mortgage solutions that fit their unique financial goals.
Unlike lenders offering only one reverse mortgage product, we provide access to multiple proprietary and jumbo reverse mortgage options, allowing us to recommend a solution tailored to your home’s value and your retirement objectives.
Our clients value:
- Reverse mortgage specialists with decades of experience
- Personalized loan comparisons
- Access to multiple proprietary programs
- Local service throughout Tennessee and Georgia
- Honest advice with no high-pressure sales tactics
- Support from consultation through closing and beyond
Frequently Asked Questions
Who is a Jumbo Reverse Mortgage designed for?
Homeowners with higher-value primary residences who may benefit from loan amounts beyond the limits available through traditional FHA reverse mortgages.
How much can I borrow?
Loan amounts depend on several factors, including your age, the appraised value of your home, current interest rates, existing mortgage balance, and lender underwriting. Qualified borrowers may be eligible for lending limits of up to $4 million or more, depending on the program.
Is FHA mortgage insurance required?
No. Jumbo Reverse Mortgages are proprietary loan products and do not require FHA mortgage insurance premiums.
Do I still own my home?
Yes. You retain title to your home as long as you continue to meet the loan obligations, including maintaining the property, paying property taxes, homeowners insurance, HOA dues and occupying the home as your primary residence.
Experience the Difference of a Jumbo Reverse Mortgage
If your home has significant value, don’t let traditional lending limits determine your retirement options.
Our experienced reverse mortgage specialists will help you compare available jumbo reverse mortgage programs and determine whether one is right for you.
Schedule Your Complimentary Jumbo Reverse Mortgage Consultation Today
Discover how Mortgage South of Tennessee can help you unlock more of your home’s value with a customized reverse mortgage solution.
Mortgage South of Tennessee
Local. Trusted. Committed since 1986.
Important Disclosure
Jumbo Reverse Mortgages are proprietary loan products and are not insured by the Federal Housing Administration (FHA). Maximum lending amounts of up to $4 million or more are available only through certain loan programs for qualified borrowers and are subject to lender