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Windsor is a tight-knit Sonoma County town with long-term homeowners sitting on decades of equity. That equity is the foundation of every reverse mortgage conversation.
Many Windsor retirees own their homes outright or nearly free and clear. A reverse mortgage lets them access that value without selling or moving.
62 Years Old
Minimum Age
None Required
Monthly Payments
HUD-Approved
Counseling Required
HECM (FHA-Backed)
Loan Type
Sell, Move, or Pass
Loan Due When
Reverse Mortgages in Windsor
You must be 62 or older to qualify. Every borrower on the title must meet that age requirement — no exceptions.
The home must be your primary residence. Lenders also require you to stay current on property taxes, insurance, and basic maintenance.
Local decision guide
Use this guide to connect reverse mortgages eligibility, lender expectations, and local market factors before comparing payment options in Windsor.
Windsor is a tight-knit Sonoma County town with long-term homeowners sitting on decades of equity. That equity is the foundation of every reverse mortgage conversation.
Many Windsor retirees own their homes outright or nearly free and clear. A reverse mortgage lets them access that value without selling or moving.
You must be 62 or older to qualify. Every borrower on the title must meet that age requirement — no exceptions.
Most reverse mortgages are HECMs — Home Equity Conversion Mortgages — backed by the FHA. Not every lender offers them. Fewer still specialize in them.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find which ones offer competitive HECM terms for Sonoma County borrowers.
HUD-approved counseling is mandatory before closing. Don't skip it — it protects you and often surfaces questions worth asking your broker.
Loan proceeds can come as a lump sum, line of credit, or monthly payments. The right structure depends on your cash flow needs. We help you think through which fits.
A HELOC also taps equity — but requires monthly payments and good credit. A reverse mortgage has no monthly payment obligation.
Home Equity Loans give you a fixed lump sum with required payments. For fixed-income retirees in Windsor, eliminating that payment often matters more than the rate.
Wildfire risk in Sonoma County affects homeowners insurance. Lenders require active coverage — make sure your policy stays in force or your loan can become due.
Windsor's proximity to wine country keeps property values durable. That supports higher loan amounts for eligible borrowers. Rates vary by borrower profile and market conditions.
Yes. Title stays in your name. The lender places a lien, just like a traditional mortgage.
The loan becomes due. Heirs can sell the home, pay off the balance, or refinance to keep it.
Non-borrowing spouses under 62 have specific protections. Never remove a spouse from title without legal and financial advice first.
Loan proceeds are not considered income. Consult a tax advisor for your full picture.
It depends on your age, home value, and current interest rates. Older borrowers with more equity generally qualify for more. Rates vary by borrower profile and market conditions.
Defaulting on taxes, insurance, or maintenance. Those failures can trigger the loan to become immediately due.