Your home has been working for you for decades. Now let it fund your retirement.
Colorado reverse mortgage guidance from a local, licensed specialist — with real numbers, honest answers, and zero pressure.
Tanner Connelly · NMLS 1998297 · Empire Home Loans, Inc. · Serving all of Colorado
In plain English
You keep your home.
You remain the owner and stay on title. A reverse mortgage is a loan against your equity — not a sale.
No monthly principal and interest payment.
Eliminate your current principal and interest payment and access remaining equity as cash, monthly income, or a line of credit.*
You see real numbers first.
Use our calculator to get an actual estimate — no phone number required to see your results.
*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.
How it works
Get your estimate
Run your numbers online or by phone — the instant estimate is anonymous, with no contact information required.
Review it together
Meet with Tanner in person, by phone, or by video. This is where you get a personalized proposal — every cost itemized — and complete independent HUD-approved counseling.
Close where you're comfortable
At your kitchen table or a local title office. On most transactions, funds arrive after a standard 3-business-day waiting period.
How Colorado homeowners use it
Eliminate a monthly principal and interest payment*
Cover healthcare or in-home care
Pay off higher-interest debt
Home repairs and updates
A safety-net line of credit
Right-size into a new home (HECM for Purchase)
*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, and hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.
Worried it's too good to be true? Good — you should be.
Reverse mortgages have earned skepticism over the years, and the modern, federally-insured version is heavily regulated for a reason. My job isn't to talk you into one. It's to show you the real math so you and your family can decide.
Read the 6 most common myths"Sometimes the answer is 'this isn't for you' — and I'll tell you that, too."
About Tanner
Local. Licensed. In no hurry to sell you anything.
Tanner Connelly is a Colorado-based mortgage professional with Empire Home Loans, working with homeowners across the Front Range and the Western Slope. He'll walk through every cost line by line, and he welcomes adult children and other family members into the conversation whenever a client wants them there.
More about TannerResearching this for a parent?
Start hereGet your estimate in under a minute.
No contact info required to see your numbers.
See what you may qualify forPrefer to talk it through? (720) 335-7100 · Tanner@EmpireHomeLoans.com