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55+? Access your home’s equity in tax-free cash and stay in the home you own and love – and make no monthly payments. The value of your home has grown over the years and makes up a good portion of your net worth. A Reverse Mortgage allows you to turn some of your home equity into tax-free cash. You can access up to 55% of its value. The amount that you can access is based on several factors such as; your age, property location, home type and appraised home value.