Colorado’s Trusted Reverse Mortgage Partner Since 1997

CALL NOW303-414-1112

Retire Comfortably in the Home You Love With A Reverse Mortgage.

Enjoy the advantages of a reverse mortgage and discover the secret to a stress-free retirement. 

Get Started

FREE Reverse Mortgage Information

Take our 30 second analysis to see if you qualify

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

** By providing my mobile phone number, I agree to receive calls and/or text messages related to my above submission.**

Maximize Your Retirement with Local Reverse Mortgage Experts

send A Message or Give Us a Call!

Why choose a reverse mortgage?

Are you wondering whether or not a reverse mortgage is right for you? Below are a few benefits of a reverse mortgage.

  • Gain more financial freedom
  • Stay in your home and KEEP YOUR TITLE
  • Proceeds from reverse mortgages are TAX-FREE
  • Don't make any payments until your loan ENDS

“Your home is often your greatest asset. A reverse mortgage can help you use it to fund the retirement you deserve. Whether you're looking to eliminate a monthly payment, increase cash flow, or plan ahead, I’m here to help you explore your options. As a local Colorado company open since 1997 — with hundreds of 5-star Google reviews — we’ve built our reputation on honesty, clarity, and truly taking care of our clients.”

Shiloe Downs

Owner, Downs Financial

Unlock Your Home Equity and Live Better with a Reverse Mortgage

As an accomplished homeowner, you’ve worked hard to own your home.

Now it’s time to make your home work for you with the help of Downs Mortgage!

If you’re a homeowner aged 62 or older, you have a valuable asset that you can use to improve your financial situation and enjoy a better quality of life.

Call Us

(303) 370-7300

Call Shawn Downs Today To Get Your FREE Reverse Mortgage Consultation!

Call Now

(303) 414-1112

How Much Tax-Free Cash Is Locked in Your Home?

As a Colorado owned mortgage company since 1997, we prioritize our community and personal relationships.  Since there are various factors to consider before deciding if a reverse mortgage is right for you (or your aging parents), it’s important to find an honest mortgage lender like us to help you fully understand the benefits and risks of this type of loan. 

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
Name
Where do you want us to send your FREE Reverse Mortgage Info?

** By providing my mobile phone number, I agree to receive calls and/or text messages related to my above submission.**

Reverse Mortgage Basics

Before diving in, it’s important to have a clear handle on the reverse mortgage basics. We believe in total transparency, which is why we’ve laid out the pros and cons of reverse mortgages in simple terms. Exploring these benefits and key considerations will help you decide if unlocking your home equity is the right move for your lifestyle and your legacy.

The Benefits:

  • No Monthly Mortgage Payments: Eliminate your current monthly mortgage payment and significantly improve your monthly cash flow.
  • Tax-Free Cash: Receive your proceeds as tax-free cash† to use for medical bills, home renovations, or daily living expenses.
  • Maintain Home Ownership: You keep the title and ownership of your home; you can never be forced out as long as you meet basic loan terms.

Key Considerations:

  • Preserving Your Lifestyle via Equity: While home equity decreases over time as it is converted into usable cash, this allows you to enjoy the value of your asset now, during your most active retirement years, rather than leaving it "locked" in the walls of the house.
  • Standard Homeowner Responsibilities: Just like a traditional mortgage, you simply remain responsible for property taxes, insurance, and basic maintenance; tasks you are already successfully managing as a homeowner.
  • Flexible Legacy Planning: The loan is only settled when the home is no longer your primary residence. This gives your heirs the flexibility to either sell the home to pay off the balance and keep the remaining equity or refinance the loan to keep the home in the family.

Meet Your Reverse Mortgage Specialist Shiloe Downs

I love working with each and every one of my clients — even the ones who call me at 8 p.m. with questions! Over the years, I’ve been lucky to build a reputation I’m proud of. My main goal? To make your reverse mortgage process so smooth and comfortable, you’ll barely notice the paperwork… except for the part where you get to enjoy more of your retirement!

Shiloe Downs

VP & Loan Originator, Downs Mortgage 

Secure Your Retirement With Downs Financial, Inc.

Don't wait to get started! Downs Financial, Inc. offers personalized services. Contact a local specialist in Colorado to learn about your reverse mortgage loan options. Simply click one of the buttons below or give us a call: 303-414-1112

 message us
call us

Local Colorado Reverse Mortgage Reviews

K. pHILLIPS - CLIENT

Downs Financial is an excellent source for your mortgage and financial needs. They are a local business and as an insurance broker who has been working with the owners for the past few years, I recommend my clients who are looking for a new home, change in mortgage and other financial needs to them. You will not be disappointed with the personal service you receive.

p. sMITH - CLIENT

My experience with Downs Financial has been a wonderful business and pleasure to work with, Shawn he has put us in a place where we can now live a much better life than what we had Before.
Patricia Smith

d. HAMLETT - CLIENT

Working with Shawn was an amazing experience. His caring attitude was a welcome change after a rather rude exchange I’d had with another well known lender. Shawn was Very patient with me as I maneuvered my way through the process. He gave me a lot of helpful information and encouragement. Once everything had been processed the turn around time to signing the documents was really fast!
I would Strongly recommend
Shawn Downs financial services to friends and family.

Understanding the Reverse Mortgage Process

01. Evaluate Your Equity

If you are 62 or older and own your home (or have a low mortgage balance), you likely qualify to convert a portion of your equity into cash.

02. Choose Your Payout

Unlike a traditional loan, you decide how you receive your funds, whether as a lump sum, monthly tenure payments, or a standby line of credit for emergencies.

03. Live Payment-Free

You continue to own and live in your home with no monthly mortgage payments. The loan is only repaid when the last borrower sells the home or permanently moves out.

Get started today! 

Make Retirement Stress-Free

FREE Reverse Mortgage Information

Take our 30 second analysis to see if you qualify

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

** By providing my mobile phone number, I agree to receive calls and/or text messages related to my above submission.**

24hrs

Get Approved Within 24 hrs

100+

5-Star Reviews and Ratings

25+

Years of Experience