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Call Your Reverse Specialist at BluEleven


HECM & Equity Elite® Reverse Mortgage


Reverse mortgages are no longer reserved for homeowners aged 62 and older. Equity Elite® now offers reverse mortgages for 55+ borrowers in select states.


Those seeking lower up-front costs—Equity Elite® has no up-front or ongoing mortgage insurance premium, which can mean lower closing costs than a traditional reverse mortgage, saving you money on the loan.


Say goodbye to reverse mortgage loan limits when you go with an Equity Elite® loan. You may be able to access even more of your equity than with traditional reverse mortgages on the market.

It’s Easy to Get Started

Apply Now!

So easy, you can apply anywhere

We design our process with the ease of our customers in mind.

Safest Loan for American Homeowners Aged 55 & Older

Traditional reverse mortgages, also known as Home Equity Conversion Mortgages (HECMs), changed the game for longtime homeowners who wanted to access the valuable equity they’d built up over time. But HECMs have limitations on who can borrow and how much. With Equity Elite®, there are fewer reverse mortgage restrictions, and more people have more access to their home equity.

  Home Equity Conversion Mortgage (HECM)
Equity Elite® Reverse Mortgage
Minimum age to qualify 62 55 in selected state(s)
Limit on amount of proceeds you can take in the first 12 months Yes No

Non-recourse feature

(You’ll never owe more than the home is worth when the loan is paid)

Yes Yes
How much can be borrowed? Less than $970,800 Up to $4 Million
Mortgage Insurance Premium cost Upfront and ongoing None
Condominium eligibility FHA-approved condominium communities only Community can be FHA-approved, Fannie Mae-approved or RMF-approved–so more condos qualify
Closing Costs Lender closing costs apply Equity Elite® Zero offers a lender credit to be applied towards most closing costs

Call Your Reverse Mortgage Specialist to see what you qualify for.

Call us! (800) 671-6204

Call us today!
(800) 671-6204

See what others have said about BluEleven Mortgage

What Our Customers Say

Kind words from our beloved customers

Soulaima Hamade
Soulaima Hamade
Isahi was an amazing lender to work with through time since she got everything done and very smoothly! Isahi would talk with us and keep us on track with everything while giving us updates. She is a pleasure to work with and always kept everything consisntent and on time. I would definitely recommend working with Isahi as your lender!
Sam Mitani
Sam Mitani
Lots of moving pieces, but in the end they got it done. Highly recommend.
Cheryl Marquez
Cheryl Marquez
My loan was very challenging! A great learning experience! I have my loan! Everything is great!
rose rodriguez
rose rodriguez
Simply the best! Highly recommended. Asahi, thank you for your professionalism. Everyone there true experts and so cooperative.
David Gaian
David Gaian
Imagine raving more about a winning experience of a "mere" mortgage company's exemplary service than any 1-3 Star Michelin restaurant over the past 30 years? But, deep breath,.... here we go. There are simply not enough stars available in this 5-star Google Review to describe the caliber of exceptional lending professionalism as well as unparalleled personalized human care that the leadership and staff of BluEleven devotes to client goals, journey, and outcomes. Never in over 3 decades of my wife and my global careers, doing high-end personal residence purchasing or top-address corporate leasing (in places as far-flug as Cape Town SA to Luxembourg, from Moscow RUS, to Bangkok TH, Tulum MX, and Boulder CO) have we experienced such lean-in and roll-up-the-sleeves co-investment in client objectives as we have with Mike and his amazing partners, capital sources, and staff. Most specifically, BluEleven's invaluable contribution to over two years of our searching for a top-tier Marin County private residence would never have completed without BluEleven's seamless coordination with our esteemed team at Engel & Volkers (see Caroline and Nancy with greatest of similar confidence when in need of above-and-beyond agent excellence) in the delivery and winning of our 1st position offer, the thorough and timely funding of our loan, or on-time closing of a showcase Mill Valley home for our family. Now proudly on our second property mortgage journey BluEleven, we have moved into first position on a company retreat purchase (top-tier Napa Valley - 100+ acre dream facility) and we are, again to the credit of BluEleven (and E&V) creativity, advocacy, cashe, and perseverance, enjoying moving quickly towards a stellar close on the most important and strategic property closing of my entire 4 decade career in global impact investing. Let's leave it there for now, but if further information would be helpful on our client journey and why neither my wife and I or my companies will do business with any other lending institution from here on out, just ask Mike to put you in touch with "That Hydrogen-Energy guy 'David'..." and he'll have our number for you! All the best, D&D Gaian
Krissy Bringle
Krissy Bringle
My husband and I used BluEleven for our first home purchase. They were very fast in getting our initial Pre-approval and work pretty late hours until things were done. Any time I had a question or request they were right on the ball. We actually got lucky in this crazy market and one of our offers were accepted. The actual loan process was like any loan process (annoying) but Isahi and John pushed things along for us. Again they were responsive, professional, and closed escrow on time. I know these guys worked hard for us and helped our dream of owning a home come true! Thanks from the Krupp's
Michele Hughes
Michele Hughes
As a twenty five year CEO and real estate development executive , I have experience raising millions in debt capital with a variety of sources from large institutional banks to hard money lenders . Most recently , I was searching for a California lender who specializes in jumbo asset based loans . The stars were aligned the day I contacted a lender I knew from Kauai , John DeSpirito ,who referred me to his trusted friend of many years , CEO and founder, Michael Ahmari of BluEleven Mortgage in Irvine , CA . From the moment I introduced myself and explained my needs , I was provided VIP concierge service by Michael and his experienced and superb loan officer , John Mascarella., Both John and Michael assisted in the documentation process and we navigated through the two requisite appraisals and the lengthy time it takes to get responses during these very busy times in real estate . After several months of their diligence , the loan happily funded! Unequivocally , BluEleven is the very best mortgage lender in the business!Their variety of products , the boutique entrepreneurial spirit and their honest customer centric approach is why their client base is primarily repeat customers . I have ,without reservation ,referred them to several of my friends and associates with some complicated transactions and ,in every instance , Michael has provided them his creative problem solving and tenacious proactive skills to find solutions . I only wish I could give this company ten stars !