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Napa homeowners 62+ are sitting on serious equity. Wine country property values have climbed steadily for decades.
A reverse mortgage lets you tap that equity without selling your home or making monthly payments.
62 years old
Minimum Age
Not required
Monthly Payment
HECM or Proprietary
Loan Type
Sale, move, or death
Repayment Trigger
Required before closing
HUD Counseling
Reverse Mortgages in Napa
You must be 62 or older. All borrowers on title must meet this age requirement.
The home must be your primary residence. Investment properties and vacation homes don't qualify.
Local decision guide
Use this guide to connect reverse mortgages eligibility, lender expectations, and local market factors before comparing payment options in Napa.
Napa homeowners 62+ are sitting on serious equity. Wine country property values have climbed steadily for decades.
A reverse mortgage lets you tap that equity without selling your home or making monthly payments.
You must be 62 or older. All borrowers on title must meet this age requirement.
Most reverse mortgages are HECMs — Home Equity Conversion Mortgages — backed by FHA. Not every lender offers them.
We shop across 200+ wholesale lenders to find the sharpest rates and lowest upfront costs for Napa borrowers.
HUD requires independent counseling before any HECM closes. Budget time for that step — it's mandatory.
Watch the upfront mortgage insurance premium. On high-value Napa homes, that number gets big fast.
A HELOC gives you a credit line but requires monthly payments. That defeats the purpose for many retirees.
A reverse mortgage has no required payments. Cash flow stays in your pocket, not the lender's.
Napa County property values support strong HECM loan amounts. Higher equity means more cash available to you.
The 2026 HECM lending limit is set federally. High Napa values often exceed it — a jumbo reverse may apply.
Yes. You keep title and stay on the deed. The lender places a lien, just like a regular mortgage.
The loan becomes due. Your heirs can sell the home, pay off the balance, or refinance to keep it.
Yes. Your existing mortgage pays off at closing. You just need enough equity to cover it.
Generally no — loan proceeds aren't income. Consult a tax advisor for your specific situation.
The federal HECM limit applies nationwide. If your home is worth more, a proprietary jumbo product may fit better.
You can if you stop paying property taxes or homeowners insurance. Those obligations don't go away.