If you live in Arizona and want to work with a local reverse mortgage specialist you have come to the right place. Because we are local, we can meet with your face to face in the comfort of your own home or at one of our mortgage offices located throughout Arizona.

We specialize in the Home Equity Conversion Mortgage or HECM (HECK-UM), also known as a reverse mortgage. It is all we do. When you work with us you know that you are working with loan officers that are going to be able to answer all your questions. And not only answer your questions but structure the loan in a way that will meet your financial needs now and into the future.

What Sets Us Apart from Other Reverse Mortgage Lenders in Arizona

We are a direct lender – What that means is that originate, process, underwrite, fund and service all our loans. The last part, we service our loan, we have found is very important to our clients in Arizona. They want to know that they will be working with us for the life of their loan.

We are referral based – Unlike several other lenders, we don’t spend millions of dollars a year on advertising. Because of this we can pass those savings on to you in the form of better interest rates and lower fees.

Continuous training – Our loan officers are required to attend continuous training on the reverse mortgage loan options as well as advanced planning and utilization techniques to ensure all of our clients in the Arizona area are being served in the best way and their reverse loans are structured properly.

It is typically overpowering to decide if getting a reverse mortgage in is the best option for you. Meeting with a reverse mortgage professional that is knowledgeable in {{all}} aspects of this loan is critical to help make the decision of whether this is the solution you’re looking for.

Our loan originators consent to and follow a demanding ethics policy and are under no circumstances able to vary from our code of conduct. They must inform you of each of the terms and conditions of the loan clearly and with the highest regard of your needs and goals. There are two things you will not ever get from our loan originators. First you won’t ever be urged to buy. Second you will not ever be steered into other products. Any time you feel you’re being pressured, you can comparison shop. You shouldn’t be pressured by any professional about moving forward, only you can come up with that ultimate decision.

Information is the ultimate power. Invest some time on the web not only investigating this type of home loan, but also doing some research about reverse mortgage providers in .The reason you want to do your own research is so that you will make the right choice and feel confident with that decision. An excellent starting point is our Top 10 Reverse Mortgage Questions.

We know that a reverse mortgage may not be ideal for you. If you have other options other than the reverse mortgage, like downsizing, it is best to look at those options to this loan. Our company is delighted to help you to ascertain if the reverse mortgage is preferable to your other solutions, simply contact us. Our advisors will not only answer all of your questions but also assist you to determine whether this can be the most suitable option for you. To get a much better understanding of the way we work with our customers and also how we operate as a organization, read through our Ethics Policy.

What is a Reverse Mortgage?

Very simply, it is just like a regular mortgage with the exception that there are no monthly mortgage payments required. You still need to pay property taxes, insurance and maintain the home.
It is regulated by HUD and insured by FHA.

The Basics
• At least one spouse must be 62 or older.
• Your home in Arizona must be your primary residence.
• You can get a loan on a single family, multifamily up to 4 units, town home, HUD approved manufactured home and FHA approved condominiums.
• You will be required to attend counseling from a HUD approved counselor.
• You must continue to pay your property taxes, insurance and other property charges.
• The amount you can borrow is based on the youngest persons age, home value and current interest rates.
• You can access your home equity as a lump sum, line of credit, month payments for as long as you live in the home, monthly payments for a specific period of time or a combination of those options.

Have Questions About Getting a Reverse Mortgage in Arizona?

There is no doubt that you have questions about getting a reverse mortgage in Arizona. We are happy to answer every question you have about this loan product.

Questions like:
• What is the downside to a reverse mortgage?
• What are the pros and cons of a reverse mortgage?
• How much can you borrow with a reverse mortgage?
• Is the reverse mortgage a good idea?
• Does it make sense to get a reverse mortgage?
• Does my home in Arizona qualify for a reverse mortgage?
• How does a reverse mortgage work?
• Are there risks to getting a reverse mortgage?
• What happens to the reverse mortgage when I die?
• Is the reverse mortgage a good fit for me?

While there are general answers to these questions. The answers will vary from each individual person. This is why you should talk with one of our local Arizona experts so you can get a personalized answer to your unique situation.

We do business with borrowers in these places as well: Guadalupe, Glendale, Paradise Valley, Tempe, Tolleson, Scottsdale, Mesa, Sun City, Avondale, Goodyear