If rising costs, fixed income, medication expenses, in-home care, or mortgage payments are creating pressure, a reverse mortgage may help qualified homeowners improve cash flow and stay in the home they love.
"I help homeowners 62+ understand their options in plain English — no pressure, ever."
A short, plain-English introduction — what a reverse mortgage is, who it's for, and how to know if it's worth exploring.
For qualified homeowners age 62 and older, a reverse mortgage can ease financial pressure while letting you stay right where you are.
Free up money each month by eliminating your existing mortgage payment.*
Remain in the home and neighborhood you love while accessing your equity.
Turn a portion of the equity you've built over the years into usable funds.
Ease the pressure of medical costs, in-home care, and everyday bills.
*Borrowers remain responsible for property taxes, homeowners insurance, and home maintenance.
Founder, Kappel Mortgage Group
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Ted has spent three decades helping homeowners make sense of their mortgage options. In 2024 he founded Kappel Mortgage Group to bring that same honest, educational approach to families exploring reverse mortgages.
Straight answers to the questions families ask most. Have a different question? Just ask Ted directly.
A reverse mortgage is a loan available to qualified homeowners age 62 and older that lets you convert part of your home equity into cash — without a monthly mortgage payment required. The loan is repaid when the home is sold, the last borrower no longer lives there, or other loan terms are met.
Yes. You keep the title and remain the homeowner. You're required to continue paying property taxes, homeowners insurance, and any HOA dues, and to maintain the home as your primary residence.
Yes, in most cases. Heirs can keep the home by paying off the loan balance (often by refinancing or using other funds), or they can sell the home to satisfy the loan. Reverse mortgages are also structured so you or your heirs will never owe more than the home is worth at the time it's sold.
Generally, you must be 62 or older, own your home (or have significant equity) and live in it as your primary residence, and be able to keep up with taxes, insurance, and upkeep. Every situation is different — Ted can walk you through your specific numbers during a free consultation.
Like any mortgage, there are closing costs, which can include an origination fee, mortgage insurance, and standard third-party fees. Many of these can be financed into the loan itself. Ted will give you a clear, itemized breakdown before you commit to anything.
It depends on your goals, your home equity, and your long-term plans. A reverse mortgage isn't the right fit for everyone, which is exactly why Ted starts with an honest conversation — not a sales pitch — to help you figure out if it makes sense for your situation.
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