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Home Loans

Reverse Mortgages

With a Reverse Mortgage, homeowners age 62 and beyond can spend the home equity they’ve accrued over the years without selling their home, giving up the title or taking on a new monthly mortgage payment.

A Reverse Mortgage pays you monthly as long as you use your home as your principal residence. It is an ideal option for you to phase out of traditional homeownership and its responsibilities.

Learn More

To speak to a Reverse Mortgage Specialist directly, call 800.381.4085.

Features & Benefits

  • Produces tax-free income*
  • You continue to own your home
  • No monthly payments
  • No application fees
  • No effect on Social Security or Medicare benefits
  • No restrictions on how you spend this money
  • Most loans are government insured
  • No prepayment penalty

* Proceeds from a Reverse Mortgage are tax free but borrowers should seek tax advice on how proceeds may affect government needs-based programs such as Medicaid and Medi-Cal.

SF Police Credit Union offers Reverse Mortgage through a strategic partnership with Alliance Reverse Mortgages, Member of the National Reverse Mortgage Lenders Association. CA DRE 01524732 NMLS 248216

  • Accessibility
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions including checking accounts, credit cards, auto loans and more for police, firefighters, EMTs and other first responders and law enforcement and their families in the Bay Area and beyond. Visit us at one of our branches in San Francisco, Pleasanton, San Mateo or Oakland, CA or check if you are eligible for membership and apply online today.

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