How Trustiva Works
Get personalized reverse mortgage estimates in three simple steps. No sales calls. No credit check. No obligation.
Answer a few simple questions
Tell us about your age, home, and financial situation. Takes about 2 minutes.
See estimated options side by side
Compare rates, fees, and available funds from multiple trusted lenders.
Connect with your chosen lender
When you're ready, connect with the lender that best fits your needs. No obligation.
Tell Us About Your Situation
We'll ask you a few simple questions about:
- •Your age and location
- •Your home's estimated value and type
- •Your existing mortgage balance (if any)
- •Basic financial information (property taxes, insurance, credit range)
Takes about 2 minutes. We don't run a credit check — your credit score won't be affected.
See Your Personalized Estimates
We'll show you estimated options from multiple trusted lenders, including:
- •Estimated available funds — how much you could access
- •Interest rates — fixed or adjustable options
- •Complete fee breakdown — origination, MIP, closing costs (nothing hidden)
- •Payout options — lump sum, line of credit, or monthly payments
Important: These are estimates based on publicly available rates and HUD formulas. Actual loan terms will be determined by your chosen lender after a full application and appraisal.
Connect When You're Ready
When you find an estimate that looks good:
- •Click "Get Started" on your chosen lender
- •Review exactly what information will be shared (we show you before we share it)
- •Give explicit consent to connect with that lender
- •The lender will contact you (typically by email first) to discuss your options
There's no obligation. You're simply starting a conversation. You can always explore other lenders instead.
What Makes Trustiva Different
No Sales Calls
We don't even ask for your phone number until you choose to connect with a lender. Explore at your own pace.
Ranked by Value to You
Lenders are ordered by estimated net benefit — most funds after fees. Not by who pays us the most.
Complete Transparency
We clearly explain how we make money, what data we collect, and what we share with lenders.
What Happens After You Connect with a Lender
Initial Contact
The lender will reach out within 1-2 business days to discuss your specific situation and answer questions.
HUD Counseling (Required)
Federal law requires free or low-cost counseling from a HUD-approved counselor before a reverse mortgage. This protects you by ensuring you understand the loan.
Full Application & Appraisal
If you decide to proceed, the lender will order a home appraisal and complete underwriting to determine your actual loan terms.
Closing (if approved)
California law provides a 7-day cooling-off period after counseling. You can cancel at any time during this period with no penalty.