Georgia Reverse Mortgages

A Georgia reverse mortgage can help you achieve the financial freedom you deserve while living in the state you love.

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How a Reverse Mortgage Works in GA

Homeowners aspiring toward greater financial freedom may benefit from a Georgia reverse mortgage. Also known as a home equity conversion mortgage (HECM), this financial product enables eligible borrowers to tap into a portion of their home equity and convert it into loan proceeds that can be used as disposable cash. A reverse mortgage in Georgia may help by:
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Supplementing or delaying Social Security benefits
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Covering the cost of living expenses
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Paying for unexpected medicals bills
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Financing home repairs or renovations
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Purchasing leisure and travel

Provided that you meet reverse mortgage qualifications in Georgia, the loan proceeds secured through a HECM can allow you to remain at home while living The GoodLife in Retirement. You can read GoodLife’s reverse mortgage guide for a complete explanation of how the HECM program works.

Reverse Mortgage Qualifications & Requirements

The HECM program is federally insured through the Federal Housing Administration (FHA) and overseen by the U.S. Dept. of Housing and Urban Development (HUD). Agency-established reverse mortgage eligibility criteria states borrowers must:

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Be at least 62 years old
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Own substantial equity in their home
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Live in the property as their primary residence
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Attend a HUD-approved counseling session
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Maintain FHA property standards
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Keep current on outstanding financial obligations

If you’re uncertain whether you meet reverse mortgage requirements in Georgia, contact our experienced Reverse Mortgage Specialists for further assistance.

Georgia Reverse Mortgage Process

If you’re looking for a Georgia reverse mortgage company, GoodLife is backed by years of experience and is committed to helping seniors achieve the retirement they deserve. We break our reverse mortgage application process down into four simple steps:


A GoodLife Reverse Mortgage Specialist learns about your unique financial circumstances and discusses whether a HECM may be a viable solution to help you reach your goals in retirement.


Borrowers meet with a counselor approved by HUD, who acts as an objective third-party when explaining how a reverse mortgage in Georgia applies to your personal situation.


During the application process, a certified appraiser will ensure the property meets FHA standards. They will also conduct an appraisal that helps determine the value of the property; you can estimate how much you may qualify to borrow by referring to our reverse mortgage calculator.


Once the loan application is approved, borrowers may elect to receive their proceeds dispersed as a lump sum, line of credit, or monthly installment.

Reverse Mortgages in GA: FAQs

If you have remaining questions about reverse mortgages in Georgia, refer to our reverse mortgage FAQ for additional answers or get in touch for more information.

How are reverse mortgages calculated?

The value of a reverse mortgage loan is determined by three factors: 1) the age of the youngest borrower; 2) the appraised property value; 3) the current interest rates.

How are interest rates determined?

Interest rates may be fixed or variable. Your lender will use an index and margin to calculate the interest rate of the loan during the application process.

Do you make monthly payments on a reverse mortgage?

Borrowers have the option to submit monthly loan payments, but repayment is not required until the reverse mortgage reaches a maturity event triggering its Due and Payable status.

For more information on HECMs in Georgia, refer to GoodLife’s informative resource center or contact one of our Reverse Mortgage Specialists to see whether we may be able to help you live The GoodLife in Retirement.

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