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Mortgage rates for real-life situations

Compare current Home Trust mortgage rates and find options that may work for your situation.
Reverse mortgage products and rates*
Origination Rate
The origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage.
Reset Rate
The reset rate is the interest rate that a borrower must pay when their reverse mortgage is reset.
EquityAccess
A straightforward product that offers access to equity as a single lump-sum advance.
Minimum age: 55 years old
Get an estimate
EquityAccess+
Our advanced product offers a combination of lump-sum and scheduled advances.
Minimum age: 55 years old
Get an estimate
EquityAccess Boost
A flexible product that offers eligible homeowners access to a greater amount of home equity.
Minimum age: 70 years old
Get an estimate
Rate
APR APR is the annualized interest rate for your interest term and is calculated based on the initial advance plus interest and applicable fees.
Rate
APR
Rate
APR
Set-up fee
$995
$995
$995
1-year fixed
6.79%
7.80%
6.89%
7.91%
8.14%
9.20%
2-year fixed
6.49%
7.02%
6.69%
7.22%
7.94%
8.51%
3-year fixed
6.55%
6.92%
6.59%
6.96%
7.84%
8.25%
5-year fixed
6.23%
6.47%
6.29%
6.53%
7.44%
7.71%
5-year adjustable (Prime + xx%)
P+2.30%
7.36%
P+2.35%
7.42%
P+3.19%
8.31%
Prime Rates as of 10/29/2026
4.70%
4.70%
4.70%
EquityAccess
A straightforward product that offers access to equity as a single lump-sum advance.
Minimum age: 55 years old
Get an estimate
Rate
APR APR is the annualized interest rate for your interest term and is calculated based on the initial advance plus interest and applicable fees.
Set-up fee
$995
1-year fixed
6.79%
7.80%
2-year fixed
6.49%
7.02%
3-year fixed
6.55%
6.92%
5-year fixed
6.23%
6.47%
5-year adjustable (Prime + xx%)
P+2.30%
7.10%
Prime Rates as of 10/30/2025
4.45%
EquityAccess+
Our advanced product offers a combination of lump-sum and scheduled advances.
Minimum age: 55 years old
Get an estimate
Rate
APR
Set-up fee
$995
1-year fixed
6.89%
7.91%
2-year fixed
6.69%
7.22%
3-year fixed
6.59%
6.96%
5-year fixed
6.29%
6.53%
5-year adjustable (Prime + xx%)
P+2.35%
7.15%
Prime Rates as of 10/30/2025
4.45%
EquityAccess Boost
A flexible product that offers eligible homeowners access to a greater amount of home equity.
Minimum age: 70 years old
Get an estimate
Rate
APR
Set-up fee
$995
1-year fixed
8.14%
9.20%
2-year fixed
7.94%
8.51%
3-year fixed
7.84%
8.25%
5-year fixed
7.44%
7.71%
5-year adjustable (Prime + xx%)
P+3.19%
8.05%
Prime Rates as of 10/30/2025
4.45%