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Virginia 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

All Reverse Mortgage® is proud to be Texas'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 including all of Virginia

All Reverse Mortgage was incorporated 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 Mortgage to better suit homeowners in VA with higher value homes over the national 2018 lending limit of $679,650.

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.

Virginia Reverse Mortgage Facts

StateHomeowners Age 62+Reverse Mortgages Closed Last 12 MonthsPurchase Reverse Mortgages Closed Last 12 MonthsLenders in CaliforniaAvg. Home Value
Virginia699,692 1,08153101$263,243

HUD Approved Direct Lender

virginia 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 Virginia and closes both 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, 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.

Virginia Lending Limits

As part of the Southern United States as well as the Mid-Atlantic region, Virginia is the 12th largest state in terms of population and 35th largest by total area. The ‘Mother of Presidents’ had 8,411,808 total residents in 2016 and 694,862 of them were homeowners 62 and older.

The state was given its nickname as “Mother of Presidents” because eight U.S. presidents were born there, which is more than in any other state. The state’s history, however, starts with several indigenous groups, one being the Native American people Powhatan.

In 1607, the colony of Virginia was established. Virginia was also one of the 13 colonies in the American Revolution as well as the oldest continuous law-making body in the New World.

Today, Virginia’s makeup includes one of the highest concentrations of veterans of any state and has the highest concentration of technology workers of any state. Tourism is also a large part of the state’s economy, generating an estimated 210,000 jobs and $21.2 billion in 2012.

The largest areas in the state for tourism are Arlington County, Fairfax County, Loudoun County and Virginia Beach. Arlington County includes the city of Arlington, which is more urban and has numerous opportunities for shopping, dining and exploring the arts. Virginia Beach is also a popular destination in Virginia for outdoor activities such as visiting its beach parks that take up more than 4,000 acres of land.

Home prices are fairly level in Virginia, which saw an increase of 4.5% in the last year to $243,300 on average. There is an even smaller increase of 1.5% predicted for next year.

If you reside in Virginia, 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.

Virginia Approved Reverse Mortgage Counseling Agencies

Agency NamePhoneAddressWebsiteAgency IDLanguages
PEOPLE INCORPORATED OF VIRGINIA276-623-90001173 W. Main Street
ABINGDON, Virginia 24210-4703
www.peopleinc.net80729English
MONEY MANAGEMENT INTERNATIONAL - ALEXANDRIA VA866-232-90805680 King Centre Dr Ste 600
Alexandria, Virginia 22315-5755
www.moneymanagement.org80536English
Spanish
PIEDMONT HOUSING ALLIANCE434-817-2436682 Berkmar Circle
CHARLOTTESVILLE, Virginia 22901-1464
www.piedmont
housingalliance.org
81839English
Spanish
ASIAN AMERICAN HOMEOWNERSHIP COUNSELING703-291-63248280 Willow Oak Corporate Drive
Suite 600
FAIRFAX, Virginia 22031-4518
www.aa-hc.org90010Chinese Mandarin
English
Korean
Vietnamese
PRINCE WILLIAM COUNTY VIRGINIA COOPERATIVE EXTENSION703-792-47138033 Ashton Avenue, Suite 105
MANASSAS, Virginia 20109-2895
www.pwcgov.org/money80351English
Spanish
CHILD & FAMILY SERVICES OF EASTERN VIRGINIA, INC. D/B/A THE UP CENTER757-622-7017222 W 19th St
Norfolk, Virginia 23517-2218
www.theupcenter.org81146English
HOUSING OPPORTUNITIES MADE EQUAL OF VIRGINIA, INCORPORATED804-354-0641626 E Broad St Ste 400
Richmond, Virginia 23219-1890
HomeofVa.org80354English
Spanish

Did you know? Virginia 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 VA: https://www.reversemortgage.org/Find-a-Lender/state/VA
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 Virginia 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 Virginia 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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Virginia Reverse Mortgages
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