While monthly payments aren’t required, borrowers must continue to pay property taxes, homeowners insurance, and maintain the home in good condition. These requirements ensure the home retains its value and complies with the loan agreement. We help you understand all responsibilities before moving forward.

At Windward Mortgage Inc, we believe financial freedom should come with clarity. That’s why our advisors take the time to walk you through your obligations and help you feel confident about using your home equity — without the stress of a monthly mortgage payment.

Supplement Your Retirement Income

Retirement should be a time of relaxation, not financial worry. A HECM loan can be a valuable way to supplement your income without touching your savings or retirement accounts. Whether you’re facing rising costs of living or planning for unexpected expenses, tapping into home equity can be a practical solution.

You can receive your HECM proceeds as monthly disbursements, a line of credit, a lump sum, or a combination of these. This flexibility allows you to tailor the loan to fit your financial needs and lifestyle. It’s your money — you should have control over how and when you access it.

At Windward Mortgage Inc, we approach retirement planning with care and experience. Our team takes the time to understand your goals and help you explore how a reverse mortgage can create a reliable source of funds, empowering you to live more comfortably and independently.

Stay in the Home You Love

The thought of leaving your home after decades of memories can be overwhelming. With a HECM loan, you don’t have to. This unique loan program allows you to stay in the home you love while gaining access to the equity you’ve built over time. There’s no need to downsize or relocate to achieve financial security.

Aging in place is a growing priority for many seniors. With a HECM loan from Windward Mortgage Inc, you can make that possible — and practical. The funds you receive can also be used to renovate or modify your home, making it safer and more accessible as your needs evolve.

Our team respects the emotional value of home. We are committed to helping you preserve your lifestyle and independence while achieving financial peace. With Windward Mortgage Inc, staying in your home is more than a possibility — it’s our priority.

Flexible Payout Options to Match Your Needs

Not all financial needs are the same, and your reverse mortgage shouldn’t be either. That’s why a HECM loan offers multiple payout options to fit your specific situation. Whether you prefer a lump sum to cover large expenses or monthly installments for long-term planning, Windward Mortgage Inc can help design a payout structure that works for you.

You can even set up a line of credit, allowing you to access funds only when you need them — and any unused portion continues to grow. This flexibility makes HECM loans a versatile financial planning tool for retirees who want control and adaptability in their finances.

Our experienced team will sit down with you to review all payout methods, ensuring you make a decision that aligns with your current lifestyle and future goals. With Windward Mortgage Inc, your equity works on your terms.

Trusted HECM Guidance from Start to Finish

Navigating the reverse mortgage process can feel complex — but not with Windward Mortgage Inc by your side. We provide honest advice, clear explanations, and one-on-one support throughout the entire journey. From your initial questions to the final closing, you can count on our team to be knowledgeable, patient, and reliable.

We’ll begin with a consultation to assess your eligibility, explain the benefits and responsibilities, and help you determine if a HECM loan is the right fit. We’ll also assist with required HUD counseling, which is an essential part of the process to ensure informed decision-making.

Our reputation is built on trust, education, and service. At Windward Mortgage Inc, you’re never just a transaction — you’re a valued client whose future matters. We’re here to help you make the best financial decision for your lifestyle and your legacy.

Key Benefits of a HECM Loan

• No monthly mortgage payments required

• Retain full ownership and remain in your home

• Tax-free cash to supplement retirement income

• Flexible payout options to fit your lifestyle

• Use funds for any purpose — healthcare, home repairs, or personal needs