Reverse Mortgage Program

What is a Reverse Mortgage

The Reverse Mortgage Program ("MaBuHay") is a program launched by National Home Mortgage Finance Corporation (NHMFC) which aims to meet the need of senior citizens.

Reverse Mortgage is a type of program where seniors have the opportunity to borrow using the "EQUITY" of their properties. Under the REVERSE MORTGAGE PROGRAM. Seniors will be able to borrow based on the value of their property and their age. The proceed can be received according to the Seniors' preferred option and no payment is required as long as they adhere to the conditions of the program.


  • The borrower must be 60 years old and above.
  • Legitimate and registered owner of a house and lot.
  • Currently residing in the property as their primary residence.
  • You can borrow at least 60% of the Property Appraised Value (PAV).
  • COUNSELING SESSION for the borrower, spouse and children is a must.

Will soon introduce some additional features on the program to suit the needs of the women and men Senior Citizens and retirees as prescribed under existing Philippine laws and regulations.