Helping clients access home equity while preserving their low-rate first mortgage is a powerful competitive advantage. HomeSafe Second makes this possible. This reverse second mortgage allows borrowers 55 and older (except for Washington, where the minimum age is 60, and Texas, where the minimum age is 62) to receive a lump sum of cash without refinancing.
Because it requires no new monthly mortgage payments, the loan may resolve the debt-to-income (DTI) challenges that caused prior denials. In exchange, borrowers simply continue meeting their first lien obligations, live in the home as their principal residence, maintain the property, and pay standard charges (like property taxes, fees, and hazard insurance). If a homeowner fails to meet these terms, the loan must be repaid. Assuming your clients can manage those basic homeownership duties, it is a strong fit for equity-rich seniors with limited qualifying income.
You likely already have borrowers fitting this profile in your dormant files. Most originators don’t ignore past clients on purpose; you simply get busy. However, when communication drops off, opportunities can be missed. Your database may hold overlooked borrowers previously declined for DTI who could be eligible for HomeSafe Second.
Revisiting your database creates immediate opportunity without relying on fresh leads. With ReverseMatch, you can securely scan your client list to identify eligible borrowers. In 2025, just 66 originators uncovered more than $11B in potential loans. Those are massive opportunities that might otherwise have remained hidden in existing client files.
And because no sensitive information is required with ReverseMatch, your book of business remains completely private and protected.
Your past hard work shouldn’t go to waste. Transform prior DTI denials into funded loans and grow your business from the inside out.
Put ReverseMatch to work and securely scan your database today:
https://app.bombbomb.com/app/form/?form_id=b5f3305b-f548-d44e-e35d-fcdc77e18f35
Finance of America is a division of Finance of America Reverse LLC which is licensed nationwide | Equal Housing Opportunity | NMLS ID # 2285 (www.nmlsconsumeraccess.org) | 8023 East 63rd Place, Suite 700 | Tulsa, OK 74133 | AZ Mortgage Banker License #0921300 | Licensed by the Department of Business Financial Protection and Innovation under the California Residential Mortgage Lending Act | Georgia Residential Mortgage Licensee #23647 | Kansas Licensed Mortgage Company | Massachusetts Lender/Broker License MC2285: Finance of America Reverse LLC | Licensed by the N.J. Department of Banking and Insurance | Licensed Mortgage Banker – NYS Department of Financial Services | Rhode Island Licensed Lender | Not all products and options are available in all states | Terms subject to change without notice | For licensing information go to: www.nmlsconsumeraccess.org
The company does not do business as Finance of America in CA, NM, NY, and OK.
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