Unlock Your Utah Home’s
Equity — On Your Terms
Justin Bundy helps Utah homeowners 62+ access tax-free retirement income through FHA-insured reverse mortgages (HECMs). No monthly payments required. Stay in the home you love.
What Is a Reverse Mortgage?
A Reverse Mortgage Lets Your Utah Home Pay You
A Home Equity Conversion Mortgage (HECM) is an FHA-insured loan that lets homeowners 62+ convert a portion of their home equity into cash — without selling, without monthly payments, and without leaving the home.
No Monthly Mortgage Payments
You are not required to make monthly principal or interest payments. The loan is repaid when you sell the home, move out, or pass away.
You Retain Homeownership
You keep title to your Utah home. The lender does not own your property — you do. You must maintain the home and pay property taxes and insurance.
FHA-Insured Protection
HECM loans are backed by the Federal Housing Administration (FHA). You can never owe more than your home’s value — this is the non-recourse guarantee.
Flexible Payout Options
Receive funds as a lump sum, monthly payments, a line of credit, or a combination. Choose what fits your retirement strategy.
The Process
How a Utah Reverse Mortgage Works
From first call to funded loan, Justin Bundy walks you through every step.
Free Consultation
Call or email Justin for a no-obligation review of your Utah home value, equity position, and retirement goals.
HUD Counseling
Federal law requires a session with an independent HUD-approved counselor — about 60–90 minutes, by phone or in person.
Application & Appraisal
Justin submits the loan application and a licensed Utah appraiser determines your home’s current market value.
Underwriting
The lender verifies income, credit history, and property condition per FHA guidelines. Justin stays in close contact throughout.
Closing & Funding
Sign at a Utah title company. Funds are typically disbursed within 3 business days of closing.
Utah Reverse Mortgage Products
Which Reverse Mortgage Is Right for You?
Justin Bundy offers multiple reverse mortgage products to match Utah homeowners’ diverse needs.
HECM Standard
The federally insured Home Equity Conversion Mortgage — the most common reverse mortgage in Utah and across the U.S.
- FHA-insured — non-recourse
- 2024 loan limit: $1,149,825
- Lump sum, line of credit, or monthly payments
- Competitive fixed or adjustable rates
HECM for Purchase
Use a reverse mortgage to buy your dream retirement home in Utah — closer to family, in a 55+ community, or right-sizing to a smaller property.
- Purchase without monthly payments
- Combine equity from current home sale
- Popular in St. George, Park City, Draper
- Same FHA protections as standard HECM
Jumbo Reverse Mortgage
For Utah homeowners with properties valued above the FHA limit — especially in Salt Lake City’s Eastside, Park City, or Holladay.
- Loan amounts up to $4 million+
- Not FHA-insured (proprietary product)
- No mortgage insurance premium
- Ideal for luxury Utah homes
Utah Service Area
Reverse Mortgages Across All of Utah
Justin Bundy is licensed to originate reverse mortgages throughout the state of Utah. Whether you’re in the Wasatch Front, Southern Utah, or rural communities — we can help.
Common Questions
Reverse Mortgage FAQs — Utah Edition
Utah-specific answers to the questions Justin hears most often from homeowners across the Wasatch Front and beyond.
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Justin Bundy
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Your Utah Specialist
Justin Bundy — The Reverse Mortgage Guy
Justin Bundy is a licensed Utah mortgage professional with deep expertise in reverse mortgages. Based in South Jordan, he has helped hundreds of Utah homeowners navigate the HECM process with clarity, patience, and zero sales pressure.
Unlike bank loan officers who push one product, Justin is an independent specialist who can compare options and find the right fit for your retirement goals — whether that’s a line of credit, monthly income, or a HECM for Purchase.
Licensed Utah Mortgage Loan Originator
HUD-Approved HECM Specialist
NRMLA Member (National Reverse Mortgage Lenders Association)
Serving Utah homeowners since 2012
South Jordan, Utah based — local knowledge
Ready to See What Your Utah Home Equity Can Do?
Get a free, no-pressure reverse mortgage estimate from Justin Bundy. Takes 15 minutes. No obligation. No hard sell — ever.
