Reverse Mortgage Refinance Calculator

If you already have a reverse mortgage loan and have experienced a good amount of appreciation in your homes value you may be able to take advantage of a larger reverse mortgage loan amount by utilizing the current appraised value of your home.

By refinancing your reverse mortgage you may receive a larger line of credit or lump-sum. A reverse mortgage refinance requires very little closing costs added to your new loan since you have already paid into the initial mortgage insurance premium.

Use our reverse mortgage refinance calculator below to quickly assess whether you are eligible for a refinance.

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Reverse Mortgage Refinance Calculator  

Browse our exclusive programs for your reverse mortgage refinance
Old Appraised Home Value
New Appraised Home Value
Existing Reverse Mortgage
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Zip Code
Your Date of Birth
Spouse Date of Birth


Step 1

Input your date of birth, property zip code, estimated home value and existing reverse mortgage balance.

Unsure of your home value? Not to worry. When you request a formal analysis our team will also include a free property report.


Step 2

Compare and select the program that best suits your needs.

Did You Know? On the adjustable plans you can change the terms of your reverse mortgage after closing for a time fee of $20. i.e. Move from a credit line to payment plan or vice versa.

Unsure of Program? Not to worry. Our expert team will provide straightforward comparisons of all your options. We look forward to helping you decide which HECM program may be most suitable for your immediate or long term needs.

Step 3

Compare and select the program that best suits your needs.

Did You Know? Once you request an application we lock in your expected rate which guarantees you access to the current principle limit even if rates should rise.

Additional refinance resources:

Other helpful calculators:


Legal stuff: Reverse mortgage refinance calculations are for illustration purposes only and not an offer to lend. Rates and programs are subject to change without notice.