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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:

Book Your Equity Strategy Call

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

As Featured In

The Wall Street Journal Bloomberg Top Agent Magazine

What Is the Luxury Jumbo Strategy?

Most homeowners assume a reverse mortgage is a last resort. High-net-worth retirees are using this one as a wealth strategy instead.

It's a specialized private bank program — not government-insured — designed for homes over $1 million.

Because of this, it unlocks your equity's full value instead of a capped government limit, and has none of the FHA insurance costs.

How It Works

Couple enjoying wine on the patio of their home

How Our Clients Are Putting Their Equity to Work

Diversifying Into Other InvestmentsPutting idle equity into real estate, the market, or other assets on their terms.
Renovating or Upgrading Their HomeAging in place comfortably, or finally making the upgrades they've been planning.
Buying a Second Home or Vacation PropertyAccessing tax-free cash for the down payment on a getaway or investment property.
Helping Family or Giving an Early InheritanceFunding a grandchild's education or helping family now, while they're here to see it matter.
Funding Travel and Retirement ExperiencesTaking the trips and milestone celebrations they've been saving for.
Ira Meltzer

Ira Meltzer, Founder & CEO

Who We Are

One Million Dollar Plus has been trusted for 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 the equity they've spent a lifetime building as part of a smarter wealth and retirement strategy.

*We are not a lender; we're a private mortgage consultant sourcing the best loan terms for our clients through our network of private banks.

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.

1
Your Numbers See the tax-free cash available to you through this program, and confirm the new $0 monthly payment.
2
The Strategy We'll share details on how this program can support your long-term wealth, and whether it fits your goals.
3
You Decide, No Pressure No obligation. If it's not a fit, we close your file and don't contact you again.

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?+
No. We don't sell or share your information with third parties — you're speaking directly with our own team.

Your equity is already there.The question is whether it's working for you.

15 minutes. No obligation.

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