Is Your Home Equity Part of Your Wealth and Retirement Strategy?

California homeowners 62+ with $1M+ homes are using the new Luxury Jumbo Reverse Mortgage to:

Free up thousands in monthly cash flow
Access tax-free liquidity and protect investments positioned for future growth
Avoid an expensive, unwanted downsizing while staying in the home you love
Keep 100% ownership, title and future appreciation

No credit pull required · 15-minute call, no obligation

What Is the Luxury Jumbo Strategy?

Most homeowners assume a reverse mortgage is a last resort.

Affluent retirees are using the private Luxury Jumbo Reverse as a wealth and retirement strategy.

Designed specifically for high-value homes, this private bank program is not restricted by FHA lending limits and carries none of the FHA mortgage-insurance costs associated with a traditional government reverse mortgage.

How It Works

Pays off your existing mortgage and brings required monthly principal-and-interest payments to $0**Property taxes, insurance and maintenance still apply.
Converts a portion of your home equity into tax-free liquidity
Allows you to retain 100% ownership, title and future appreciation
Includes non-recourse protection — you or your heirs will never owe more than the home's value

How Our Clients Are Putting Their Equity to Work

Preserving More of Their Investment PortfolioCreating retirement liquidity without selling investments, potentially triggering capital-gains taxes or interrupting future growth.

Avoiding an Expensive, Unwanted DownsizingReducing monthly outflow and accessing home equity without paying the commissions, closing costs and moving expenses required to leave a home they would prefer to keep.

Purchasing Another PropertyUsing tax-free home equity toward a vacation home, investment property or other real estate opportunity.

Helping Family During Their LifetimeFunding a grandchild's education, contributing toward a first home or giving part of an inheritance while they are still here to experience its impact.

Funding the Life and Home They WantCompleting long-planned renovations, traveling more comfortably or creating more room in the retirement budget for what matters to them.

Ira Meltzer, Founder & CEO

Who We Are

One Million Dollar Plus has been trusted for more than 40 years in luxury financing and has structured some of the country's largest residential loans.

Today, founder and CEO Ira Meltzer's passion is helping homeowners 62+ use their home equity as a financial strategy that supports them in retirement.

Our role is not simply to sell you a loan. We evaluate the strategy first. If it makes sense, we compare programs, source the right structure through our network of private-bank relationships and manage the process from beginning to end.

*We are not a lender. We are private mortgage advisors who work with multiple lending institutions on behalf of our clients.

Awards

Top Mortgage Professional, Top Agent MagazineTop Lending Advisor, Coldwell Banker Mortgage

Getting Started

Your Home Equity Strategy Call

Here's your 15-minute game plan.

Your Numbers Confirm qualification and see the potential proceeds available through the program.

The Strategy See how the Jumbo compares with your other options and whether it aligns with your broader wealth and retirement goals.

You Decide — No Pressure No obligation. If it's not a fit, we simply close out your file.

Frequently Asked Questions

Straight answers before you pick up the phone.

Is the Home Equity Strategy Call a sales pitch?+

No. It's pure math — in 15 minutes we show you your exact numbers. If they don't make sense for you, we close your file and leave you alone.

Will I actually qualify, and do I need a credit check just to see numbers?+

No credit check is required to see your numbers. Debt-to-income limits don't apply — most homeowners 62+ with strong equity in a $1M+ home qualify.

How much tax-free cash can I get, and are payments really $0?+

Yes, monthly payments are 100% optional. As a private Jumbo program built for $1M+ estates, you can access significantly higher tax-free liquidity than a standard reverse mortgage.

Do I still own my home?+

Yes. You retain 100% ownership and title to your home.

Can I sell my home with this loan?+

Yes. You can sell at any time — the loan balance is paid off from the sale proceeds, and you keep any remaining equity.

Will this affect my income or Social Security?+

No. The money you receive is not considered income and will not affect your benefits.

Can my family inherit the home?+

Yes. Your heirs inherit the home and all remaining equity — they can keep the property by refinancing, or sell it and keep the proceeds.

Does this have the FHA insurance fees reverse mortgages are known for?+

No. Those fees apply to government-insured HECM loans — this program is private, with zero FHA mortgage insurance.

Will my information be sold, shared, or distributed?+