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Exclusive Programs Designed to Fit Your Needs.

All Reverse Mortgage© has consistently brought exclusive offers to our valued customers. Because of our unique process we're able to offer better federally-insured reverse mortgages with no compromise.

Take a look at some of our program benefits that you won't find elsewhere:

checkmark  ZERO Origination Fee Plans  info
checkmark  ZERO Financed Closing Cost Options  info
checkmark  NEW: Fixed Rate 3.99% (5.82% APR)  info
checkmark  NEW: Annual Adjustable Rate 2.93%  info
checkmark  Government-Insured HECM and Proprietary Jumbo Programs
*Complete form above to receive a comparison of all available programs.
Why Are We A Better Choice?

- Reverse mortgages are all we do.

Compare our impeccable reviews and independent ratings with any competitor. We understand that this loan is about you and your needs. We put you first with superior service and lower costs.

- We are a HUD Approved direct lender.

- We do not work with Brokers which allows us to pass savings on to you.

- We don't hire "celebrity" spokespersons because we do not believe you should have to pay for a lender's expensive marketing budget with higher loan costs.

We are committed to being your best choice. You deserve the lowest price possible and if you feel that you should not pay thousands of dollars more for the same FHA-insured loan, let us show you how we get you the most from your home equity.

Over a Decade of Experience

Since 2005 our goal has remained simple; to offer you the best terms accompanied by extraordinary customer service. We maintain an A+ exemplary rating by the Better Business Bureau and we are proudly approved by the Federal Housing Administration as a direct lender. As a NRMLA member we abide by the Code of Ethics & Professional Responsibility in which we pledge to serve you with integrity. Your best interests are our primary consideration.

Consistent 5 Star Reviews
Compare us and you will see a clear difference. From customer service to loan terms, we never compromise in giving you a world class experience from start to finish.
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Information & Learning Center

If you are new to reverse mortgages, start here:

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What is a Reverse Mortgage?

A reverse mortgage is a loan against your home that can help you access a portion of your equity to receive tax-free cash without having to make monthly loan payments. Unless you choose to voluntarily make payments to your outstanding balance, no payment is required until the last surviving homeowner leaves permanently, passes away, or decides to sell. It is still your home and your responsibility to maintain property taxes and homeowners insurance.

Since 1989 the HECM - (Home Equity Conversion Mortgage) has been insured by the federal government through the Federal Housing Administration (FHA), a division of the Department of Housing and Urban Development (HUD).

Since its inception, the reverse mortgage program has helped thousands of homeowners just like you to safely access the equity in their home to better enjoy your retirement years. For a layman's terms explanation please read our published article "What is a Reverse Mortgage: in Plain English" »

Your requirements:

  • At least one homeowner must be 62 years of age
  • You must reside in the home as your primary residence
  • Your home must be either a single family home, two to four-unit owner-occupied home, townhouse, approved condominium unit, or certain manufactured homes
  • You must attend an educational HUD-approved counseling session by phone or in person
  • You must continue to pay property taxes and homeowners insurance

Recommended reading:

Helpful 3rd party resources:

How much money can you receive?

The amount available to you is formulated based on your age, today's current interest rate environment, and the appraised value of your home.

To receive a formal analysis call Toll Free (800) 565-1722, request quote here, or try our free calculator. (Our calculator provides current interest rates, loan comparisons, equity pie charts and more.)

Is a Reverse Mortgage right for you?

Reverse Mortgage loans are not right for everyone. It may surprise you to hear a lender say this, but it is true. 

If you are looking for a short term loan you may be better suited for a different type of financing. A reverse mortgage loan can sometimes require closing costs, making it impractical for a short term solution. 

However, for those who wish to remain in their homes and need extra income or cash to do so, the Home Equity Conversion Mortgage may be exactly what you are looking for. 

Educate yourself or family on the safeguards with our free .PDF guide. We explain what it is, how it works, and provide answers to many frequently asked questions and common misconceptions.

You can also find current articles in our blog featuring articles, personal advise, and industry updates.

Our blogger and CEO Michael G. Branson has over 40 years banking experience, has been instrumental in educating some of the largest banks on the nuances of this program and its benefits to older homeowners.

Current Interest Rates

  • Adjustable rates from 2.20%
  • Fixed Rate 3.99% (5.84%APR)

Rates as of 8/27/16 Learn all about interest rates and how they affect your available loan and future home equity position here »

Required HUD Counseling

Mandatory counseling is one of the first steps which may take place by either phone or in person. The role of the counseling agency is to review your unique financial situations during this private session and explore any alternatives that may be available, such as downsizing, city or state grants, or other alternatives that may be available to you.

Counselors are now required to ask potential borrowers about income, assets, debts, and monthly living expenses in order to perform a budget analysis. Once you have completed this session you will be provided a counseling certificate which you will need to sign and deliver to us as part of your loan application.

As a lender we must also give you a list of no less than 10 counseling agencies to choose from, 5 of which are mandated by the FHA and include the National Council on Aging.

Only after we receive your application and signed counseling certificate can we begin the processing of your loan. To find a HUD approved counseling agency near you, please visit our counseling agency page »

Reverse Mortgage to Buy a New Home

Would you like to buy a new home but did not think you could qualify for a new mortgage based on today's underwriting guidelines? Did you think you would have to either put your plans on hold or use all your available assets to make your move? If you are 62 and over you should consider using the HECM for purchase program. 

The reverse mortgage for purchase is a federally-insured loan which allows borrowers age 62 and over to; downsize, up size, move closer to family and friends, live in homes more suitable for their needs, or move to communities with activities more in line with their lifestyles; without having to use all of your liquid assets to pay for a new home using all cash. With a HECM loan there is no monthly mortgage payment. 

Recommended:

Working with a Realtor? If you are ready to make an offer on a property and need help explaining to Realtors and sellers how the purchase program works and how it will benefit all parties, please let us assist you.  We are an experienced Purchase HECM lender and we are here to assist you with the necessary steps for approval.