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Home / Lenders / Reverse Mortgage Lenders, Louisiana

Compare Louisiana's Best Reverse Mortgages

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From America's #1 Rated Reverse Mortgage Lender

Top 10 Reverse Mortgage Lenders in Louisiana

Lender NameCompany Start Date Lender Rating Review Stars (0-5.0)% of Positive Reviews# of Complaints Last 3 Yrs.BBB Reviews
All Reverse Mortgage, Inc. 05/27/2004A+5.0100%2Review Source
American Advisors Group (AAG)10/29/2004A- 4.182%41Review Source
Reverse Mortgage Funding LLC09/25/2012A+ 3.264%3Review Source
Live Well Financial, Inc.08/28/2008 A+2.117%9Review Source
One Reverse Mortgage, LLC07/12/2001A+ 3.260%5Review Source
Liberty Home Equity Solutions, Inc.09/05/2003A+ 2.740%5Review Source
HighTechLending Inc06/06/2006C+ 2.30%2Review Source
Reverse Mortgage Solutions, Inc.02/21/2007F 1.051%86Review Source
Synergy One Lending, Inc. (Retirement Funding Solutions)01/09/2013 A+N/AN/A1Review Source
Finance of America Reverse LLC10/15/2003A+ N/AN/A3Review Source
*Source: BBB Lender Ratings as of 12-23-2018

All Reverse Mortgage® is proud to be Louisiana's #1 Rated Reverse Mortgage Lender by the BBB with a Perfect 5.0 Stars and A+ Exemplary Rating. We currently lend in 16 states and all throughout Louisiana.

All Reverse Mortgage was incorporated in November 2004 and as the name implies, the only loan product that All Reverse Mortgage® originates is in fact, the reverse mortgage.

We’re committed to be your lender because you deserve the best rate at the lowest price possible.

We’re a HUD Approved direct lender lending the national HECM programs and offer a suit of Non-FHA & Jumbo Reverse Mortgages to better suit homeowners in LA with higher value homes over the national 2019 lending limit of $726,525.

We welcome you to compare our reviews and our lower rates and closing costs to any other major lender! The difference is clear, and we can’t wait to show you

Louisiana Reverse Mortgage Facts

StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsPurchase Reverse Mortgages Closed Last 12 MonthsLenders in LouisianaAvg. Home Value
Louisiana26,4512792852$145,600

HUD Approved Direct Lender

All Reverse Mortgage® is approved with the Department of Housing and Urban Development (HUD) to originate, underwrite and close the HUD Home Equity Conversion Mortgage (HECM, or “Heck-um”). The HECM is HUD’s acronym for the reverse mortgage program it administers for seniors who are 62 and older.
 

All Reverse Mortgage® originates in Louisiana and offers several reverse mortgage options. In some instances, borrowers are looking to pay off their existing loan and eliminate their monthly mortgage payment. Or, if they already have paid off their mortgage, a reverse loan can help borrowers utilize their equity for other purposes. In some cases, borrowers can do both. They also may use a specific type of reverse mortgage to purchase a new home.

About All Reverse Mortgage®

The owners and management of All Reverse were part of the team that wrote and sold the first fixed rate jumbo reverse mortgage in 2008 and as such, have extensive experience in jumbo or proprietary loan programs as well. We are always looking for new products to offer to borrowers of high valued homes in the higher home priced markets that the HUD HECM may just not serve as well. Jumbo or proprietary programs typically offer lower Principal Limits as they relate to home values, though, so not all borrowers are best served with the jumbo programs available.

A seasoned originator can readily inform borrowers which program will best suit their needs and the positives and negatives of each so that the borrower can make an informed decision. It is no longer uncommon anywhere in the country for a market to be a solid HUD HECM market and then within just a short distance for a niche jumbo market to be located where there is a need for a jumbo program.

Therefore, homeowners aged 62 and above in all markets have seen that the reverse mortgage can be a very solid financial tool and many are now seeking the reverse mortgage to augment their retirement plans and not so much the mortgage of last resort. Everything from the elimination of existing mortgage payments to the line of credit that grows make reverse mortgage borrowers understand that this program allows them to utilize their homes to not only live comfortably in their family home, but to plan for the future as well.

Louisiana Lending Limits

Louisiana is the 25th most populous state the in the nation and the 31st largest in terms of land area. Most of its 4,684,333 residents are densely populated around its major cities, such as its largest city New Orleans. As of 2010, Louisiana had 697,165 people aged 62 and older, and 67% of the state’s residents owned their own home.
 
In the 17th century, the French were the first to colonize the area, naming the land after their King Louis XIV. It became a U.S. territory when it was acquired as part of the Louisiana Purchase in 1803 and entered statehood in 1812.

One of the most important port cities on the Gulf, New Orleans was established in 1718.
It is the largest city in Louisiana, and its greater metropolitan area is home to 1.285 million people, as of 2016. Famous for its Mardi Gras festival, New Orleans brings in 18 million visitors and $9 billion in 2017. A melting pot of its French, African, Spanish, German, and Canadian influences, the state is known for Its Creole and Cajun cultures. Louisiana is also home to the longest bridge over water in the world - the 24-mile-long Lake Ponchartrain Causeway.

Because of its location on the Gulf coast, Louisiana has a steady semi-tropical climate, with heat and humidity increasing the closer you get to the water. The state has an average annual high of 91 degrees Fahrenheit, an average low of 45 degrees Fahrenheit, and is vulnerable during hurricane season. The area continues to recover from 2005’s Hurricanes Katrina and Rita.

After New Orleans and Baton Rouge, the next biggest cities in the state are Shreveport and Lafayette. Louisiana has lucrative gas and petroleum industries, and is the number one producer of crawfish in the world. Among large companies that call the state home are CenturyLink and Ochsner Health System. It’s also welcomed the film industry. Various movies and TV shows have shot there, including True Blood and Duck Dynasty.

The average home value in the state is $145,600, and prices are expected to rise an additional .1% in the next year. Given this average, many homes fall well below the federal maximum reverse mortgage lending limit of $726,525 that applies to all HECM loans. For more borrowing power above the federal limit, there are jumbo reverse mortgage programs available.

If you reside in Louisiana, All Reverse Mortgage® is here to answer your questions. Call Toll Free (800) 565-1722 – Or try ARLO™  reverse mortgage calculator that offers side-by-side program comparisons, real-time interest rates and expert recommendations.

Louisiana Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneAgency IDAddressLanguagesWebsite
MONEY MANAGEMENT INTERNATIONAL - NEW ORLEANS866-232-9080805131215 Prytania St Ste 336
New Orleans, Louisiana 70130-4483
Englishwww.moneymanagement.org

 

Did you know? Louisiana state does not mandate in-person counseling. Visit our counseling page for a list of phone-based counseling agencies and conduct your required counseling from the comfort of your home.

Additional Resources:
Top 10 Lender Reviews & Ratings: https://reverse.mortgage/best-reverse-mortgage-lenders
Reversemortgage.org NRMLA Members in Louisiana: https://www.reversemortgage.org/Find-a-Lender/state/LA
HUD.GOV Approved Lenders Search: https://www.hud.gov/program_offices/housing/sfh/lender/lenderlist

Our Exclusive Programs Designed to Fit Your Needs.

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

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

Exclusive 4.25% (5.95% APR) Fixed Rate for Life
Government Insured & Jumbo Proprietary Programs
Flexible Credit Lines from 2.98% with the Industries Lowest Lifetime Rate Exposure
ZERO Origination Fee Plans
ZERO Financed Closing Cost Plans
ZERO Monthly Servicing Fees on ALL programs
*Complete form above to receive a comparison of all available programs. Excludes state taxes when applicable. Min loan amount for $0 origination fee is $40,000. *APR ran at $185,000 loan amount / 60% or less PLF utilization. Lifetime rate cap on all adjustable rate plans just 5% over the start rate.

How can we offer you more favorable terms?

We are a direct lender approved by FHA (Federal Housing Administration)
The HECM is literally all we do. All Reverse Mortgage is not just a name for us. We have a very low (almost non-existent) staff turnover and our people are experts.
We don't work with Brokers, allowing us to pass the savings on to you.
We don't hire "celebrity" spokespersons as we don't believe you should have to pay for a lender's expensive marketing budget with higher loan costs.
We Charge Less! Check out our competition and our customer ratings. We never forget that this loan is about you and your needs and we put you first with superior service and lower costs.

All Reverse vs. the others

It may surprise you but those "celebrities" you see all over TV have some of the worst independent consumer ratings in the industry. Compare us and you will see the crystal-clear difference, from customer service to loan terms we never compromise.

HUD approved direct lender.

Working with a local Louisiana lender saves you time and money.

As an award-winning direct lender our goal remains simple; to offer you the very best terms accompanied by extraordinary customer service.

What Our Customers Are Saying

"There was no car salesman type of protracted negotiation. All reverse got right down to a good quote without a series of incremental steps."
"I was surprised how easy it was to deal with an out of state company. Actually it was much easier than my previous dealings with local banks and brokers"
"It is a wonderful feeling to have no mortgage and extra cash in our pocket. We are very happy."
"Thank you to All Reverse for handling everything in an efficient and smooth way. Thoroughly appreciate everything you have done to make things easy for me."
"This was the smoothest mortgage process I have ever experienced! And so fast!"

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Louisiana Reverse Mortgages
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