Live the retirement you imagined.
In the home you love.
A reverse mortgage can give you tax-free cash, eliminate your monthly mortgage payment, and let you stay in your home without selling a thing.
See your free estimate
Takes 60 seconds. No fees. No credit pull. No obligation.
We'll be in touch shortly!
A licensed Utah specialist will call you soon. Mon – Fri, 9am – 5pm.
Simple Process
How a reverse mortgage works
No jargon. No pressure. Just a clear explanation of how Utah homeowners 62+ can access their home equity.
We review your home & situation
A free, no-obligation conversation with a Utah loan officer. We look at your home value, any existing mortgage, and your goals. No credit pull required to get started.
You see your exact numbers
We show you exactly how much equity you could access, what it means for your monthly budget, and what your options are — in plain English, no surprises.
You decide — on your timeline
If a reverse mortgage is right for you, we guide you through every step of HUD-required counseling, appraisal, and closing. If it's not right, we'll tell you that too.
About Reverse Freedom Mortgage
Real neighbors. Real answers.
We are not a call center. We are a small Utah team that has spent 17 years helping families figure out whether a reverse mortgage actually makes sense for them.
Watch this short overview to meet the team and hear directly from the people who will pick up your phone call.
Start your free estimate
What It Can Do For You
The three reasons Utah families say yes.
No monthly payments
Eliminate your existing mortgage payment for the life of the loan. You will still cover property taxes and insurance, but no more principal and interest checks each month.
Stay in your home
You keep the title. You live in your home for as long as you like. This is a loan against your equity, not a sale, not a transfer, not a trick.
Tap equity safely
FHA-insured and non-recourse. You will never owe more than your home is worth, and your heirs are always protected. The math is on your side.
What Utah families are saying
4.8 out of 5 stars · 45+ verified Google reviews from homeowners across Utah
Chad and his team walked us through every step. We were nervous about a reverse mortgage, but they answered every question with patience and never once pressured us. Now we have no mortgage payment and life feels different.
We're from Brigham City and were skeptical at first. Reverse Freedom Mortgage made the whole process simple and clear. No pressure, just honest answers. Highly recommend to any Utah family on the fence.
I was worried about losing my home or leaving nothing to my kids. Chad sat down and explained exactly how the non-recourse protection works. My fears went away. This was the right decision for our family.
Local Utah Experts
Serving homeowners across all of Utah
From Salt Lake City to St. George, we serve every Utah community. Your local reverse mortgage specialist is a phone call away.
Free Education
Understand reverse mortgages before you decide
We believe an educated client makes the best decision — even if that decision isn't a reverse mortgage. Start with these short videos.
Maximizing Home Equity with a Reverse Mortgage
Winning Strategy for Paid-Off Homes
Keep Your Independence at Home
Meet the Owner
Hi, I'm Chad.
I started Reverse Freedom Mortgage in 2008 because I kept meeting Utah retirees who felt stuck. They loved their homes but needed cash flow. Selling felt wrong. A reverse mortgage changed everything for them.
Seventeen years later, our team has helped more than 1,200 Utah families access their home equity and stay in the homes they love. Lonny, Casey, Vicky, and Stephanie are here with me every day making sure every client gets a straight, honest answer.
See your numbers in 60 seconds
Our free Utah reverse mortgage calculator gives you a real estimate — no email required, no credit pull, no obligation. Based on current FHA lending limits ($1,249,125 for 2026).
Ready to Learn More?
Get your free, no-obligation estimate
A real Utah loan officer will review your situation and give you an honest answer — whether a reverse mortgage makes sense for you, or not.
Prefer to call? (801) 921-HOME (4663)
Mon – Fri, 9am – 5pm · West Jordan, UT
Get my free estimate
Takes 60 seconds. No obligation.
We'll be in touch shortly!
A licensed Utah specialist will call you soon. Mon – Fri, 9am – 5pm.