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The minimum qualifying age for a reverse mortgage is 55. If you are within 6 months from your next birthday, I will automatically calculate you a year older.
Tip! Don’t forget to include your spouse’s age, even if they are not yet 55, as loan proceeds are always based on the age of the youngest spouse.
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Top 10 Reverse Mortgage Lenders in Missouri

Lender Rating Experience Stars (0-5) Good Reviews Complaints BBB
American Advisors Group (AAG) A- 18 Yrs. 4.66 93% 98 Source
Cherry Creek Mortgage, LLC A+ 36 Yrs. 3.75 75% 6 Source
Fairway Independent Mortgage A+ 27 Yrs. 4.96 99% 51 Source
Finance of America Reverse LLC (FAR) A+ 19 Yrs. 1.67 33% 15 Source
Liberty Home Equity Solutions Inc. A+ 19 Yrs. 2.00 40% 2 Source
Longbridge Financial LLC A+ 10 Yrs. 3.94 78% 15 Source
Mutual of Omaha Mortgage A+ 10 Yrs. 4.85 97% 47 Source
Open Mortgage LLC A+ 20 Yrs. 2.44 48% 1 Source
Reverse Mortgage Funding LLC A+ 10 Yrs. 4.23 84% 25 Source
Reviews Updated: 5/30/2023
The BBB is one of the last review sites that does not accept monetary influence in their ratings or posted reviews.

Missouri Reverse Mortgage Facts

StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsPurchase Reverse Mortgages Closed Last 12 MonthsLenders in MissouriAvg. Home Value

Missouri Lending Limits

Missouri Facts
Missouri is the 18th most populous state in the country and the 21st largest in terms of land area. As of 2017, approximately 6,113,532 residents lived in the state, with the biggest populations settled around the St. Louis and Kansas City metropolitan areas. About 1,234,289 people in Missouri were aged 62 or older in 2017, and 66.1% of the state’s residents are homeowners.

Indigenous tribes inhabited this area for thousands of years before before the French came in the 1600s, setting up the land as New France. Although it was briefly under Spanish control in the late 1700s, it was back under French power when it was sold to the U.S. as part of the Louisiana Purchase in 1803. Missouri became the 24th state in the nation in 1821.

Still largely considered a purple state politically, Missouri’s political divide began years ago, with the state supporting both the Union and Confederacy in the Civil War.

Kansas City is the most populous city in Missouri, with 488,943 residents in the city and  2,159,159 in the metropolitan area as of 2017. The city boasts more barbeque restaurants per capita than anywhere else in the U.S. St. Louis’ metro area is even larger with 2,807,338 people. Known as the “Gateway to the West”, St. Louis is home to Anheuser Busch brewing company, and the Gateway Arch, which is the tallest manmade monument in the country. Famous residents of Missouri include Mark Twain, Mad Men star Jon Hamm, and rapper Nelly.

Very defined seasons are a hallmark of Missouri and the state’s climate is classified as continental. Summers are hot and humid, and winters are cold, with occasional snow. Summers bring thunderstorms and with tornado season from spring to early summer. The average high is 88 degrees Fahrenheit in July and the average low is 21 degrees Fahrenheit in January.

Outside of Kansas City and St. Louis, the biggest cities are Springfield and Columbia. The state is a leading producer of transportation equipment, beer and beverages, and defense and aerospace technology. The state’s Fortune 500 companies include Express Scripts, Centene, and Emerson Electric.

The average home value in the state is $239,700, below the federal maximum reverse mortgage lending limit of $1,089,300 that applies to all HECM loans. For more borrowing power above the federal limit, there are jumbo reverse mortgage programs available.


Missouri Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneAgency IDAddressLanguagesWebsite
KANSAS CITY, Missouri 64109-1711
Saint Louis, Missouri 63110-3526 -
YOUTH EDUCATION AND HEALTH IN SOULARD314-436-1400820401924 S 12th St
SAINT LOUIS, Missouri 63104-3951
Springfield, Missouri 65807-6099
HOUSING OPTIONS PROVIDED FOR THE ELDERLY314-776-0155803427300 Dartmouth Ave Ste 100
University City, Missouri 63130-2904
Suite 100
UNIVERSITY CITY, Missouri 63130-2904

Did you know? Missouri 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:
Reversemortgage.org NRMLA Members in Missouri
HUD.GOV Approved Lenders Search

Missouri Reverse Mortgages
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