You Built the Equity. You Shouldn't Have to Make Payments to Access It.

For eligible homeowners 55 and older, CapitalSource structures reverse mortgage solutions that unlock home equity without required monthly mortgage payments, without selling your home, and without the limitations of the standard government program.

Secure intake · No obligation · No credit impact

This Is Not the Reverse Mortgage You've Seen on Television.

The reverse mortgage most people know the FHA-insured HECM has fixed loan limits, a minimum age of 62, and significant upfront mortgage insurance costs. CapitalSource specializes in proprietary jumbo reverse mortgage programs non-FHA products that start at age 55, carry no mortgage insurance premiums, and offer structures you will not find at a bank.

Equity Access Without a Monthly Payment Obligation.

A reverse mortgage allows eligible homeowners to convert a portion of their home equity into proceeds without selling the property and without a required monthly mortgage payment. The loan balance accrues over time and is typically repaid when the borrower moves, sells, or passes away.

The home remains yours. You remain on title. For the right borrower equity-rich, income-constrained, or simply unwilling to deplete liquid retirement assets a well-structured reverse mortgage is one of the most sophisticated retirement financing tools available. It is not a product of last resort. It is a strategic choice.

Proprietary Programs. Beyond What Banks Offer.

CapitalSource accesses proprietary jumbo reverse mortgage programs that conventional lenders and most brokerages don't carry.

For homeowners 55+ with high-value properties seeking access to equity beyond HECM limits:

  • Minimum age 55+ — significantly lower than the 62 required by FHA

  • Loan amounts up to $4 million — for properties where HECM limits are not sufficient

  • No mortgage insurance premiums — removes a significant cost of the FHA program

  • Broader property eligibility — including condos not eligible for FHA financing

  • Equity preservation option — access funds now while reserving equity for heirs

The most differentiated product in our platform one that most lenders and banks cannot offer at all.

A second-lien reverse mortgage sits behind an existing first mortgage, leaving it completely untouched. The borrower keeps their current rate and converts equity into proceeds through the second lien. No monthly payment required on the second lien.

  • Keeps existing first mortgage rate intact — no refinance, no rate disruption

  • No monthly payment obligation on the second lien

  • Available to eligible homeowners 55+

  • Non-recourse — borrower and heirs never owe more than the home is worth

COMPLIANCE: This is the solution for the borrower who says: 'I'll never give up my rate.' With a second-lien reverse, they don't have to.

The Borrower Who Benefits Most.

  • Homeowner 55+ with significant equity in a high-value property

  • Locked into a low first mortgage rate and unwilling to refinance

  • Fixed or limited income income documentation is not required

  • Wants to remain in the home long-term without a monthly payment obligation

  • Seeking liquidity without liquidating investment accounts or retirement assets

  • Self-employed or non-traditional income — declined by conventional lenders for HELOC or cash-out

CapitalSource is a dba of EquitySource.
EquitySource operates as a mortgage broker and direct lender licensed by the California Department of Financial Protection and Innovation (License No. 60DBO-112262) and the California Department of Real Estate (Broker License No. 02111255).
NMLS ID 1936121.

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