✓ No FHA Approval Required
✓ Line of Credit Never Expires
✓ Available at Age 55
✓ Loans Up to $4 Million
You want out of your ARM. The rate keeps resetting, payments keep climbing, and you need a real solution. A reverse mortgage may provide the funds to pay off your adjustable rate mortgage. No monthly payments*. Age 55+. Primary residences only.
See If You May QualifyNo obligation · No paperwork to get started · We take our time with you
An adjustable rate mortgage starts with a lower initial rate that feels manageable. But once the rate-adjustment period begins, everything changes. Your payment resets on the lender's schedule, not yours. If rates have climbed, your payment climbs with them.
For homeowners on fixed incomes or without wage growth to match their rising payments, an ARM becomes a trap. You cannot control when rates adjust, how high they go, or how much your payment will increase. Each adjustment period brings anxiety and budget uncertainty. Traditional refinancing may no longer be an option if your income has changed, your credit has dipped, or current rates have risen even higher than your ARM.
A reverse mortgage lets you access the equity you have built in your home without making a monthly mortgage payment. Instead of paying the bank each month, you receive funds. You use those funds to pay off your ARM balance completely. Once paid off, you no longer have ARM payments.
This is not a traditional refinance. You do not need to prove income. You do not need employment verification. You do not need qualifying income at all. If you are age 55 or older and own your home free and clear or with a small mortgage, you may qualify for a reverse mortgage to pay off that ARM.
*Borrowers remain responsible for property taxes, homeowners insurance, and HOA fees. The reverse mortgage provides funds to pay off the ARM; it does not eliminate other home ownership costs.
A reverse mortgage offers a clear, direct path to end your ARM payments. Stop the cycle of rate resets. Stop the climbing payments. Reclaim your financial peace.
A reverse mortgage provides the funds to pay off your adjustable rate mortgage in full. Once paid, your ARM obligation is gone. No more rate resets. No more payment surprises.
Unlike traditional mortgages, a reverse mortgage requires no monthly payment. Funds are repaid when you sell, move, or pass away. This gives you monthly breathing room and financial relief.
Our proprietary program is available starting at age 55. The FHA program requires age 62. If you are between 55 and 61, you may qualify now and escape your ARM sooner.
Our 720+ credit score waiver program requires no income documentation. No pay stubs. No tax returns. No employment letters. If you meet our credit requirements, you can qualify quickly.
We prepare a free analysis showing how much you may borrow and how it can be used to pay off your ARM. There is no paperwork required to get started. No obligation of any kind.
Real reviews from Florida homeowners who trusted us with their reverse mortgage.
Can a reverse mortgage pay off my ARM?
Yes. A reverse mortgage may provide sufficient funds to pay off your adjustable rate mortgage balance completely. Once the ARM is paid off, you no longer have ARM payments or rate adjustment risk.
What is the minimum age?
Our proprietary reverse mortgage is available to Florida homeowners starting at age 55. The FHA government program requires age 62. If you are between 55 and 61, you may qualify for our program now.
Do I need to show income or employment?
Our 720+ credit score waiver program does not require income documentation, pay stubs, tax returns, or employment verification. If you meet our credit score requirement, you can qualify without these documents.
Is this available for investment properties?
No. This reverse mortgage is available for primary residences only. The property must be your main home in Florida. Investment properties and second homes do not qualify.
What is the 720 credit score waiver program?
Our 720+ program allows homeowners with a credit score of 720 or higher to qualify without submitting income documents. This streamlines approval and makes accessing funds faster and easier.
How do I get started?
Fill out the short form on this page and we will reach out within one business day. No paperwork required to start. No obligation. Just an honest conversation about your situation and your options.
A reverse mortgage may be your way out. We will walk through your options, your costs, and your path forward. No pressure. No paperwork required to start. Just an honest conversation.
Sunshine State Home Loans · Licensed in Florida · Serving homeowners across the entire state
Fill out the short form below and we will prepare your free analysis showing how much you may borrow to pay off your ARM. We will reach out within one business day. No paperwork. No commitment. No obligation.
Please note: Borrowers are always responsible for the payment of property taxes, homeowners insurance, HOA dues, and any special assessments. Failure to meet these obligations may result in the loan becoming due and payable. This is not a commitment to lend. All loans are subject to credit and property approval.
This website is for informational purposes only and does not constitute financial, legal, or tax advice. Reverse mortgage products are subject to eligibility requirements, terms, and conditions. All loans are subject to credit approval. This material is not a commitment to lend. Sunshine State Home Loans is a licensed Florida mortgage broker, not a lender. A reverse mortgage may be able to provide funds to pay off an adjustable rate mortgage; however, ARM obligations and rates are not automatically eliminated or renegotiated. The reverse mortgage becomes a lien on your home. Results vary based on individual circumstances. For complete program details, please contact us directly at (727) 244-7076. Age 55+ required. Primary residences only. FHA program requires age 62.