For eligible homeowners
Reverse Mortgage
Learn how eligible homeowners may access a portion of their home equity through Reverse Mortgage options, and what responsibilities continue with the loan.
Understand Reverse Mortgage options
← View all Mortgage Capital Services
Residential Lending, Reverse Equity & Reverse Mortgage guidance
Reverse Mortgages are not what you think they are.
Work with Samantha S. Peel for patient, personal help with Reverse Mortgage, home purchase, and refinancing options.
✓ Local perspective ✓ Plain-language answers ✓ A pace that works for you
Mortgage Loan Officer
Samantha S. Peel
speel@mcsfunding.net
NMLS #2685482
Guidance from someone who knows the region
Augusta & the CSRASavannahBeaufort & the Lowcountry
Home Lending options
Explore Loan Options
Samantha begins with your goals and explains the options, responsibilities, and next steps in straightforward language.
Buying a home
Home Purchase
Explore financing options for a primary home with guidance informed by communities across the CSRA and Lowcountry.
Discuss a home purchaseReviewing your current loan
Residential Refinancing
Review whether refinancing may support your payment, term, or other financial goals after considering costs and tradeoffs.
Discuss refinancing
62+
Designed for eligible homeowners
Your home remains yours. Property taxes, homeowners insurance, maintenance, and other loan obligations must continue to be met.
Understanding reverse equity
Reverse Mortgages are not what you think they are.
A reverse equity loan, often called a Reverse Mortgage, may allow eligible homeowners to convert a portion of home equity into funds without a required monthly principal and interest payment while loan obligations are met.
The amount available and the way funds may be received depend on factors including borrower age, home value, existing mortgage debt, interest rates, and the selected Reverse Mortgage or home equity program.
- Supplement retirement income
- Plan for home improvements
- Establish a flexible line of credit
- Purchase a new primary residence
Partnered with
NMLS #1025894
NMLS #957935
Video library
Reverse Mortgages are not what you think they are.
Use these short topics to prepare for a conversation with Samantha and your family.
Using your proceeds
How can I use the money from a HECM?
What you can draw on, and what the loan asks of you in return.
Ownership and title
The bank does not take your home
You keep title, and any remaining equity stays with you or your estate.
Meet Billy
Billy Peel on Reverse Equity lending
Four decades of mortgage banking, and where Reverse Equity fits.
Meet Samantha
A personal note from Samantha
How Samantha approaches these conversations with families.
Local guidance
Reverse mortgage guidance with Samantha
Comparing your options, and the responsibilities that come with them.
Accessing equity
How borrowers may use funds
Common ways homeowners age 62 and older put their proceeds to work.
Planning options
Tapping equity during a down market
Why some retirees draw on home equity instead of selling investments.
Product options
Proprietary product uses
How proprietary options differ from a standard reverse mortgage.
Explore HELOC For SeniorsPersonal guidance from start to finish
A conversation before an application
You should understand the options before deciding how to proceed.
- 1
Share your goals
Talk with Samantha about your home, timeline, priorities, and questions.
- 2
Review your options
Discuss potential loan choices, costs, responsibilities, and likely next steps.
- 3
Decide at your pace
Move forward only after you understand the option you are considering.
Your local Residential Lending contact
Samantha S. Peel
Senior Loan Officer and Member Partner · NMLS #2685482
Licensed in Georgia & South Carolina
Samantha S. Peel is a Senior Loan Officer and Member Partner with Mortgage Capital Services LLC. With more than 12 years of experience working with seniors and their families, Samantha understands the financial and housing decisions that often accompany retirement. She specializes in refinances or purchases by using Reverse Equity Loan solutions, helping homeowners explore options to remain in their homes, relocate/downsize, while supplementing retirement income and preserving their retirement assets. Samantha is licensed in Georgia and South Carolina and is committed to providing clear guidance and personalized service.
Regional perspectiveLocal knowledge across the CSRA and Lowcountry.
Education firstClear explanations before any application decision.
Common questions
Start with clear answers
Is reverse equity the same as a Reverse Mortgage?
Reverse equity describes loan products commonly known as Reverse Mortgages. The specific product, requirements, costs, and responsibilities should be reviewed before making a decision.
Do I still own my home with a reverse equity loan?
Yes. You retain title to your home and remain responsible for property taxes, homeowners insurance, maintenance, and other loan obligations.
Can Samantha help with a regular home purchase?
Yes. Samantha's services include residential purchase lending, refinancing, and reverse equity guidance.
Does the first conversation obligate me to apply?
No. The first conversation is an opportunity to discuss your goals, ask questions, and understand potential next steps.
Start a conversation
Talk with Samantha about your goals.
Call or email directly, or send a brief request. Samantha will follow up to learn more about how she may be able to help.
Looking for another service?