Arizona Reverse Mortgages

A Wise Financial Decision


CALL SCOTT AT 623-792-2424 TO FIND OUT MORE ABOUT THE REVERSE REFINANCE I WILL GET YOU THE MOST MONIES OUT OF YOUR HOME in a nutshell, "Do you want more monies, and a lower rate to pay?



Enjoy your retirement on your terms.

Stability and success are important at every stage in your life. For those exploring reverse mortgages, we understand that your family and your security are paramount. We provide quality customer care you can trust. We’ll guide and educate you through the process to make it manageable, with transparent communication and a commitment to make sure your needs are taken care of before, during and after the loan. We’re dedicated to helping you achieve your financial goals.

Your Reverse Mortgage Professional will educate you about your options, but below are the basic homeowner eligibility requirements:

  • One of the spouses must be 62 years or older
  • Live in home as primary residence; vacation homes and investment properties do not qualify
  • Complete a HUD-approved counseling session
  • Financial Assesment will be required
  • Must be able to pay homeowners taxes, insurance and any applicable HOA fees
  • Home must be keep in good condition*

Proceeds can be used for any purpose such as:

  • Home Purchases
  • Home improvements 
  • In-home care, temporary and/or permanete 
  • Long-term care alternative with no health restrictions 
  • Healthcare and Health supplemental insurance costs
  • Replace spousal income
  • Emergency fund in the form of growth lines of credit
  • Extending your retirement income horizon
  • Replace depleted 401K income 
  • Replace depleted retirement annunity income
  • Increase your ablity to travel
  • New or newer vehicles 

HECM for Purchase (H4P) Loan

Ready to learn more about how an H4P can help you buy the new home of your dreams?


Would you like to move to a house with modern amenities? How about a home in a adult community.  Maybe you’d like to move closer to your children and show you could watch your grandchildren grow up. Maybe you need to right size your home: Is your home too large now that the nest is empty? Whatever the reason, you might be wishing for a new home but didn’t think it was possible.

In the past, your options were limited, but now there’s a way for you to achieve your dream of a new home: the Home Equity Conversion Mortgage for Purchase (H4P for short). The H4P lets seniors aged 62 and older purchase a home with approximately 50% to 60% down, and have no principle or interest payments.  Keeping keep a share of lyour present home equity in your retirement funds.  

Even better, with H4P you’ll never make a mortgage payment as long as you live in the home.*

To be eligible:

  • One of the spouses must be 62 years or older
  • You can only purchase a  primary residence (vacation homes are ineligible)
  • The money used for the down payment must come from sale of an existing home, checking, savings, investments, or gifts from family members. (it cannot come from money acquired through debt)

H4P can provide seniors with powerful advantages

If you’re eligible and want to move into a new home, the H4P can provide:Greater home purchasing power

  • The ability to move into a home that better fits your needs (right sizing)
  • Reduced out-of-pocket expenses since there is no monthly mortgage payment*
  • Being able to retain more of your retirement savings
  • You keep the title to your home
  • If you have a trust your new home is put into that trust when you close

If you would like to know what your purchase power is with a H4P Contact SCOTT  today (623) 972-2424 so we can get started.

*Must maintain property as primary residence and keep current on your property taxes, insurance and HOA/PUD dues.

Client Testimonials

So this is it in a nutshell, "Do you want more monies, and a lower rate to pay?  Or do you want a higher rate to pay, and less money?"  Pretty simple HUH?  Call me.  I will do the very best for you.  

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I found Scott online… reading all of the personal testimonies of other clients. We had a negative experience with another Reverse Mortgage Finance Company… via telephone.. who tried pushing us into a loan that was to their benefit- not the consumers.

Scott is experienced, prompt, personable and honest to the core. He came to house and explained all options to John and I. Scott's goal is what is best fit for her clients. Rest assured- Scott knows the Reverse Mortgage Industry!!

J and K, Surprise, AZ


In this very difficult financial environment, Scott Johnson had to go to extraordinary efforts to get this deal to close. But he did it.  Our Kudos and Thanks.  J.K. and J.K.

Check out my reach 150 reviews.

What a Difference a Reverse Mortgage Makes


"Taking out a reverse mortgage helps lift and/or eliminates great financial burdens.  Instead of writing a check to your mortgage company each month they write one to you, if you take that payment option. You can elect to receive a monthly check for as long as you live in your home as your primary residence."
"No matter how long you live, or what happens to real estate values or interest rates, the checks willl keep on coming (tenure payment)."  "Your heirs will never owe more than the value of the home as the reverse mortgage is a non-recourse loan." Chuck W.

Call  if considering this mortgage and learn the options and advantages of this refinance or purchase a home with a reverse mortgage.

Client testimonial

Client Testimonials

  I was hesitant about the reverse mortgage, but the positive attitude and knowledge made it very easy to say yes. 

I was kept me informed on every aspect that was going on.   Scott, came to the house, he was here on time and always in a happy mood. He called me several times to inform me what was going to happen next, who was coming when.  I would definitely recommend Scott to anyone.  He is TOPS in my book.  C. G. 08/07/17

We Could Not Have Done This Without You

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Work with Scott.  Many clients have explained how working with me has changed their lives.  They learn that my professionalism and expertise is invaluable with complicated financial issues.  The reverse mortgage can absolutely change your life for the better.  Call Scott Johnson first.  I would love to help you in understanding this mortgage product and we can work together to see if this decision is the right one for you.  Clients thank me after we close and they realize that they now can live without stress of financial burdens. Call (623) 792-2424  or email me at

Professional Knowledgeable

Work with Scott Johnson to learn the processes of application to closing of a reverse mortgage.  Clients have been very complimentary of me and explained that they found me " to be the most professional, knowledgeable and a particularly kind person" that they have  "had the pleasure of working with".  They have "without any reservation recommended" me to anyone requiring a similar service".

And thank me afterwards.  Let me educate you.  Let me work with you to see if this mortgage is a viable option for you and yours. (623) 792-2424.

About Me

istock_000022685794smallWorking with Scott, you can be assured of the very best of service and reverse mortgage product choices. Please call for a free, no obligation information packet or to schedule a private reverse mortgage consultation in your home or at a place of your convenience.