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Welcome to Cobalt Reverse:
Your Reverse Mortgage Consultants

Reverse Mortgages have helped hundreds of thousands of seniors across the county convert their home equity into loan proceeds to supplement their retirement, pay living or health care expenses, pay off bills, repair their home, and more. Government insured* reverse mortgages are available to qualifying individuals aged 62 years and older who own their own home and live in the home as their primary residence.

* A Home Equity Conversion Mortgage (HECM) loan is a loan made or originated by a private lender. The Federal Housing Administration (FHA) insures a lender's HECM loan against certain losses, but it is still the lender's loan and not an FHA or government loan.

A reverse mortgage is a loan that uses the equity in your home as collateral. The loan does not need to be repaid until your circumstances change, such as you sell your home, are no longer living there as your primary residence, or you pass away. Clients who use a reverse mortgage must meet all mortgage obligations, including but not limited to:

  • Occupy the home as your primary residence
  • Pay the property taxes, homeowners insurance, and if applicable homeowners dues
  • Maintain your home in good working condition


Learn About Reverse Mortgages

As a mortgage banker, Cobalt Mortgage believes in supplying our customers with solid service and a wide variety of products, while educating them about industry and product trends. If you are interested in learning more about reverse mortgages, please contact our reverse mortgage consultants today for a no obligation no cost "complimentary" consultation.

Anyone interested in using a reverse mortgage must attend federally mandated independent counseling. The required counseling allows you to discuss your options with an impartial third party who will help you understand if a reverse mortgage is right for you. For a list of reverse mortgage counseling agencies contact a reverse mortgage consultant at Cobalt Mortgage. You can also try to look for a mortgage loan providers where you can opt to choose to take a look at the advantage of both options. 

Learn more about reverse mortgages on our Reverse Mortgage Information page, or contact one of the reverse mortgage consultants at Cobalt Mortgage for a personalized reverse mortgage consultation.

Reverse Mortgage Lending for the West Coast and beyond

We currently have Cobalt Mortgage loan officers available to serve you in the Western United States including in Washington, Oregon, California, Arizona, Colorado, Oklahoma, St. George Utah and New Mexico, and we are quickly growing into other parts of the United States. To find an office that can serve you or to talk with a reverse mortgage consultant to determine if a reverse mortgage loan is the right choice for you, please contact us today!

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