Reverse Mortgages

Reverse mortgages are loans that use home equity to offer homeowners more financial freedom and flexibility. These loans are for homeowners aged 62 and older and can be used to eliminate monthly mortgage payments.* They can also provide extra cash to help pay for other expenses like travel, medical care and home repairs or anything the homeowner wants.

Is a Reverse Mortgage Right for You?

Answer the questions below for help deciding whether a reverse mortgage is right for you.

  1. Would you have more freedom if your mortgage payments were voluntary instead of mandatory?*
  2. Would you benefit from converting some of your home equity into a standby cash reserve for emergencies, expenses or enjoyment?
  3. Could you improve your quality of life if you didn’t have to make a monthly mortgage payment?*
  4. Would you like to prepare a fund that could replace income if needed?
  5. Do you need a plan to cover your life insurance or long-term care premium payments if your income is reduced?
  6. If you could wait to take social security payments and ensure you received a larger amount later, would you want to know how?
  7. Would you be interested in getting funds to renovate your home and make it more suitable to your needs?
  8. Would you be interested in buying a new home without making monthly mortgage payments?
  9. Are you looking for ways to consolidate or pay down high-interest debt?

If you answered “Yes” to any of these questions, come talk to us about getting a reverse mortgage.

What Is a HECM?


At Primary Residential Mortgage, Inc., we offer a specific type of reverse mortgage called a HECM. HECM stands for Home Equity Conversion Mortgage. It is an FHA mortgage that is federally insured, which means it offers borrowers more protection than a non-HECM loan.

Did You Know You Can Purchase a Home With a HECM?

Homeowners can now use a HECM to purchase their primary residence. This loan lets you combine a HECM with the proceeds from the sale of a previous home or other assets to purchase a new home while eliminating monthly mortgage payments. *

* Borrower must continue to pay property taxes, homeowners insurance, HOA fees and maintenance costs.

COMPLIMENTARY Reverse Mortgage Workshops

Thursday, May 10   -   10:00 a.m. to 11:30 a.m.

Saturday, May 27   -   10:00 a.m. to 11:30 a.m.


Workshops are held at Stadium Mall - 4510 Salt Lake Blvd., Suite B5, Honolulu, HI 96818

For additional information on workshops and Reverse Mortgages, call



The Reverse Mortgage Process

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Talk with one of our team members

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Attend reverse mortgage counseling

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Complete the loan application and provide your Loan Officer with requested documentation

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Your loan file is analyzed by underwriting

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The loan is closed and funded, and you’re all done!

* Borrower must continue to pay property taxes, homeowners insurance, HOA fees and maintenance costs. 

The loan is subject to foreclosure for failure to pay taxes and insurance to maintain the property and insurance and to
comply with the terms of the loan.

Consumers remain responsible for property taxes, homeowner’s insurance, and home maintenance.

This website is not from HUD or FHA and was not approved by HUD or any government agency.