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Get MORE from Your Equity with All Reverse Mortgage®

Napa HUD Approved Direct Lender

Napa Reverse Mortgage Lenders

All Reverse Mortgage ® is the trademarked business name of United Southwest Mortgage Corporation, Inc. headquartered out of Southern California but lending in many states nationwide, including Napa, CA.  All Reverse began in November of 2007 and as the name implies, the only loan product that All Reverse Mortgage Company originates is the residential reverse mortgage loan (and United Southwest Mortgage Corporation as well for that matter). 

We offer reverse mortgages to Napa homeowners and our staff has a combined lending experience exceeding 100 years with national mortgage banking experience on both coasts and points between.  Due to this varied direct experience, All Reverse Mortgage Company is well positioned to be able to assist borrowers with all the specific needs associated with the reverse mortgage programs. 

Napa Reverse Mortgage Facts

City Homeowners Age 62+ Reverse Mortgages Closed Last 12 Months Purchase Reverse Mortgages Closed Last 12 Months Lenders in Napa (est) Avg. Home Value
Napa 28,249 6 0 6 $583,300

Napa Direct Lenders

United Southwest and All Reverse are approved lenders with HUD (Department of Housing and Urban Development) to originate, underwrite and close the HUD Home Equity Conversion Mortgage (HECM or "Heck-um").  The HECM is HUD's acronym for their reverse mortgage loan. 

All Reverse Mortgage originates in Napa and closes both refinance loans where borrowers already own their home and are looking either pay off their existing loan and have no more monthly mortgage payment, utilize their equity for other purposes if they have no existing loan or possibly a combination of both. 

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 much lower Principal Limits as they relate to values though so not all borrowers are better served with the jumbo programs. 

Only 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 the 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.

Napa Lending Limits

Napa is the largest city in Napa County, California. As of 2016, an estimated 142,166 people live in the city. Of the total population, about 28,249 residents are seniors 62 years and older.

Napa was first incorporated in 1872, though it was first settled in 1847. Napa became an important transportation hub for industrial, commercial and agricultural goods. Gold miners frequently visited and rested in Napa before continuing their journeys.

In the present, Napa is known more for its quality wine and food. The city is home to protected historic districts that are home to contemporary architecture styles. Areas of interest include Oxbow District, Restaurant Row and the West End. Napa is also at the forefront of a flood control project that enhances a downtown riverwalk while protecting the nearby area from overflowing tides.

Major economic industries in Napa include tourism and wine. In fact, over 300 wineries provide thousands of jobs to citizens of Napa. Other major industries and employers include Queen of the Valley Medical Center, Silverado Resort, Pacific Union College, Wal-Mart and Wells Fargo, to name a few.

The median home value in Napa is $583,000 which was an increase of 3.8 percent in the last year. It is predicted that home values will rise again this year by 1.4 percent. Even with the predicted rise in home values, only a handful of homes will still be under the maximum reverse mortgage lending limit of $636,150. For senior homeowners who own property valued over the HECM lending limit, jumbo loan programs are available.

If you reside in Napa All Reverse Mortgage® is here to answer your questions. Access our free calculator to estimate your reverse mortgage lending limit or call us Toll Free (800) 565-1722

Additional resources: 
·         How to find the Best Reverse Mortgage Lender
·         HUD.GOV Lender List
·         ReverseMortgage.org Lender Finder

 

Our Exclusive Programs Designed to Fit Your Needs.

All Reverse Mortgage© has consistently brought exclusive offers to our valued Napa 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 Napa, CA 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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