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Yountville sits in the heart of Napa Valley. Homes here carry serious equity — often built over decades.
For homeowners 62 and older, that equity isn't just wealth on paper. A reverse mortgage turns it into usable cash.
62 years old
Minimum Age
None required
Monthly Payments
HECM or Jumbo
Loan Type
Required before closing
HUD Counseling
Reverse Mortgages in Yountville
You must be at least 62 years old. The home must be your primary residence.
Lenders also check that you can cover property taxes, insurance, and basic maintenance. That part trips people up.
Local decision guide
Use this guide to connect reverse mortgages eligibility, lender expectations, and local market factors before comparing payment options in Yountville.
Yountville sits in the heart of Napa Valley. Homes here carry serious equity — often built over decades.
For homeowners 62 and older, that equity isn't just wealth on paper. A reverse mortgage turns it into usable cash.
You must be at least 62 years old. The home must be your primary residence.
Most reverse mortgages are HECMs — Home Equity Conversion Mortgages — backed by the FHA. They come with federally set limits.
We shop across 200+ wholesale lenders. Some offer proprietary jumbo reverse mortgages that go above HECM limits — relevant in a market like Napa.
The biggest mistake I see? Borrowers who wait too long. Starting at 62 gives you more flexibility than waiting until 75.
HUD requires independent counseling before closing. Don't treat it as a checkbox — it's worth the hour.
A HELOC also taps equity — but requires monthly payments and income verification. A reverse mortgage skips both.
Home Equity Loans give a lump sum but add a payment obligation. For fixed-income borrowers, that's a real difference.
Yountville is a small, walkable town with a strong retirement appeal. Many long-term residents own free-and-clear homes.
High property values here can support larger reverse mortgage proceeds. Jumbo reverse programs deserve a close look.
No. You keep the title and stay in the home. The loan is repaid when you sell, move out, or pass away.
HECM loans are non-recourse. You or your heirs won't owe more than the home sells for.
Yes. HECM limits cap the benefit, but jumbo reverse programs cover higher-value properties. We can show you both options.
Reverse mortgage proceeds are loan advances, not income. Consult a tax advisor for your specific situation.
The reverse mortgage pays off your existing balance first. Remaining proceeds come to you.
You choose — lump sum, monthly payments, a line of credit, or a combination. The right structure depends on your goals.