Loan Programs

Reverse Mortgages

C2 Reverse helps homeowners aged 62 and older access their home equity without monthly mortgage payments. Borrowers remain responsible for property taxes, homeowner's insurance, HOA fees, and property maintenance — failure to meet these obligations may result in default and loss of the home. Our dedicated reverse mortgage specialists provide personalized guidance through every option.

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Reverse Mortgages

Program Features

Home Equity Conversion Mortgage (HECM)

Proprietary jumbo reverse options

HECM for Purchase program

Line of credit for financial flexibility

No monthly mortgage payments required*

FHA-insured for added security

Free educational counseling

Estate planning integration guidance

Important Reverse Mortgage Disclosures

  • * No monthly mortgage payments: While no monthly mortgage payments are required, you must continue to pay property taxes and homeowners insurance, and maintain the property. Failure to do so may result in default and foreclosure.
  • When the loan becomes due: The loan becomes due and payable when the borrower no longer occupies the home as a principal residence, or upon failure to meet loan obligations such as paying property charges. Failure to meet these obligations may result in the loss of the home.
  • HUD counseling is required: Before obtaining a reverse mortgage, you are required to receive counseling from a HUD-approved housing counseling agency. Contact HUD at 1-800-569-4287 or visit hud.gov to find a counselor.
  • This material is not from HUD or FHA and has not been approved by HUD or any government agency.

Industry Leadership

C2 has more Certified Reverse Mortgage Planners than any other mortgage broker in the industry.

A dedicated reverse division backed by specialists who focus on this product every day.

For Loan Officers

Reverse Mortgage Training

We offer comprehensive training and mentoring designed to help loan officers develop the skills and confidence to originate reverse mortgages successfully, including weekly webinars, personalized 1:1 coaching, and on-demand training videos.

Shain Urwin, National Reverse Mortgage Director

Meet Shain

Shain Urwin

National Reverse Mortgage Director · Board Member, National Reverse Mortgage Lenders Association

Shain Urwin is the National Reverse Mortgage Director at C2 Financial and a board member of the National Reverse Mortgage Lenders Association. With 22 years of combined experience in lending and real estate, he is passionate about helping clients build a secure, comfortable retirement through mortgage solutions tailored to their long-term goals.

Frequently Asked Questions

What is a reverse mortgage?
A reverse mortgage allows homeowners 62+ to convert part of their home equity into cash without selling or making monthly mortgage payments. The loan becomes due and payable when the borrower no longer occupies the home as a principal residence — for example, when the homeowner moves, sells, or passes away.
Will I still own my home?
Yes. You retain full ownership and title to your home. You must continue paying property taxes and homeowners insurance, and maintain the property. Failure to pay property taxes, homeowners insurance, or maintain the property may result in foreclosure and loss of your home.
How much can I borrow?
The amount depends on your age, home value, interest rates, and the type of reverse mortgage. Generally, older borrowers with more valuable homes can access more equity.

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