Securing your home and the life you've built around it. Secure Path Home Solutions helps homeowners 62+ stay independent, secure, and in the home they love.
Who We Are
Secure Path Home Solutions is built around one mission: helping older adults maintain their independence, security, and dignity — in the home they've worked their whole lives to own.
Reverse mortgages are one tool. Our real work is understanding your life, your family, and your goals — then finding the right path forward.
Magnolia, Texas
506 Honea Egypt Rd
Suite 106
Magnolia, TX 77354
281-756-7761
dj@securepathhomeloans.com
What We Offer
We match your financial situation to the right loan — not the other way around.
A federally insured loan for homeowners 62+ that converts home equity into tax-free proceeds — with no required monthly mortgage payment.
Purchase or refinance your primary residence or second home with competitive rates and flexible terms.
Financing for rental properties and real estate investment with the right structure to maximize your return.
Reverse Mortgages Explained
A HECM is the only federally insured reverse mortgage. It is backed by FHA and regulated by HUD. Here are the facts.
You keep full ownership of your home.
The lender does not own or take your home. You remain on title.
You can leave the home to your heirs.
Heirs can repay the loan and keep the home, or sell and keep any remaining equity.
Proceeds are typically not taxable income.
Consult a tax advisor for your specific situation.
You cannot owe more than the home's value.
This is a non-recourse loan. FHA insurance covers any shortfall.
You must be 62 or older, own your home (or have substantial equity), live in it as your primary residence, and keep up with property taxes, insurance, and maintenance. If there's an existing mortgage, it must be paid off at closing — often from HECM proceeds.
The amount depends on your age, your home's appraised value, the current FHA lending limit, and current interest rates. Older borrowers with more equity generally qualify for higher amounts. A consultation will give you a real estimate based on your situation.
Typical HECM costs include an origination fee, upfront MIP (2% of appraised value), closing costs, and an annual MIP (0.5% of loan balance). Most costs are rolled into the loan — meaning little to no out-of-pocket expense. We'll walk through every number with you.
The loan becomes due when the last borrower moves out, sells the home, passes away, or fails to maintain property taxes and insurance. There is no fixed monthly payment — the loan balance simply grows over time as interest accrues.
Yes — it's federal law. All HECM applicants must complete a session with an independent HUD-approved counselor before applying. We view this as a consumer protection and will help you find a counselor. It typically costs $125–$200 and takes about 90 minutes.
FHA-approved condos are eligible for HECMs. Some manufactured homes on permanent foundations may qualify. Single-family homes and most multi-unit properties (if owner-occupied) are the most straightforward. We'll determine eligibility during your consultation.
The Process
We guide you through every step from first conversation to closing — and we never rush the process.
Tell us about your situation, goals, and home. We listen before we recommend anything.
We present your best options — HECM, conventional, or other — with full transparency on costs and outcomes.
We handle the paperwork. For HECMs, we connect you with a HUD-approved counselor as required by law.
We work with your title company to close smoothly. You receive your funds and move forward with confidence.
Get Started
Schedule a free, no-obligation consultation with Dwight Shreve. We'll review your situation, explain your options, and answer every question — with zero pressure to proceed.
Call 281-756-7761Or email dj@securepathhomeloans.com · Magnolia, TX · Serving all of Texas