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Texas Reverse Mortgage Lenders

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 09-27-2019

We are proud to be Texas's #1 rated reverse mortgage lender by the BBB with a Perfect 5.0 stars and A+ review. All Reverse Mortgage® lends in 16 states nationwide, and throughout all of the Lone Star state.

All Reverse began in November 2007 and as the name implies, the only loan product that All Reverse Mortgage® originates is the residential reverse mortgage loan.

We offer reverse mortgages to TX 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® is well positioned to be able to assist borrowers with all specific needs associated with the reverse mortgage program.

Texas Reverse Mortgage Facts

StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsPurchase Reverse Mortgages Closed Last 12 MonthsLenders in TexasAvg. Home Value
Oregon365,96898136110$324,721

HUD Approved Direct Lender

texas lenders map coverage

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 their reverse mortgage loan.

All Reverse Mortgage® originates in Texas and offers refinance loans, where borrowers already own their home and are looking to either pay off their existing loan and have no more monthly mortgage payment; or can help borrowers 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 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.

Texas Lending Limits

texas lending limits

The lone star state has a population of 27,862,596 and 1,839,990 of those people are homeowners age 62 and older, which means almost two million people may be eligible for a reverse mortgage.

The average home value in Texas is $163,100, which is much lower than the HECM reverse mortgage lending limit of $679,650.

If you are looking to settle down in Texas, one perk is the various climates within the state as it is in multiple climate zones. The panhandle of the state has colder winters than North Texas, for example, and the Gulf Coast has mild winters. On the western side of the state in El Paso, there is an average of 8.7 inches of rainfall annually, while other areas in southeast Texas can see up to 64 inches each year.

The state also offers a lot when it comes to the arts. Austin is the live music capital of the world. The city has more live music venues per capita than Nashville, Memphis, Los Angeles, Las Vegas or New York City.

Other venues for art lovers in Texas to check out include the Houston Grand Opera, the Houston Symphony Orchestra, the Houston Ballet and the Alley Theatre.

Texas also has a long history of various countries having control over it. Because of this, it was given the slogan of “six flags over Texas”. The slogan is for the six countries that have had sovereignty over the state or parts of the state at some time. Those countries include Spain, France, Mexico, the Republic of Texas, the Confederate States of America and the United States of America.

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

 

Top 3 Lender Resources in TX:
Top 10 Lender Reviews & Ratings: https://reverse.mortgage/best-reverse-mortgage-lenders
Reversemortgage.org NRMLA Members in Texas: https://www.reversemortgage.org/Find-a-Lender/state/TX
HUD.GOV Lenders: https://www.hud.gov/program_offices/housing/sfh/lender/lenderlist

 

Other Areas of Interest in Texas

Texas Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneAddressWebsiteAgency IDLanguages
DALLAS COUNTY HOME LOAN COUNSELING CENTER214-819-60602377 N Stemmons Fwy Ste 724
Dallas, Texas 75207-2710
www.dallascounty.org81704English
Spanish
NAVICORE SOLUTIONS- DALLAS, TX972-732-676717440 Dallas Pkwy
Suite 134
Dallas, Texas 75287-7336
www.transformanceusa.org81735English
Spanish
TRANSFORMANCE (FORMERLY CCCS OF GREATER DALLAS)214-638-22278737 King George Drive
Suite 200
DALLAS, Texas 75235-2222
www.transformanceusa.org84783ASL
English
Spanish
TRANSFORMANCE - DALLAS214-638-22278737 King George Drive
DALLAS, Texas 75235-2222
www.transformanceusa.org80185English
Spanish
HOUSING OPPORTUNITIES OF FORT WORTH817-923-91921065 W Magnolia Ave
Fort Worth, Texas 76104-4477
www.hud.gov80471English
Spanish
CREDIT COALITION713-224-81003300 Lyons Ave # 203A
Houston, Texas 77020-8252
www.creditcoalition.org81768English
Spanish

Did you know? Texas 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 Texas: https://www.reversemortgage.org/Find-a-Lender/state/TX
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 Texas 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 Texas 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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Texas Reverse Mortgage Lenders
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