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Reverse Mortgages


We Are A Dallas Texas Reverse Mortgage Company In Business Since 1993. We have an A+ accreditation from the Better Business Bureau. | (214) 389-4649 or toll free (888) 435-7190.


Many homeowners have found that a reverse mortgage is a great way for them to take advantage of the equity they have built up in their homes.

A reverse mortgage is different than a traditional mortgage. With a traditional mortgage you make monthly mortgage payments, but with a reverse mortgage the lenders pays you money through monthly installments or a one-time lump sum payment. The money that you receive is dependant on your age and the value of your home.

One of the great advantages of a reverse mortgage is that you are not required to pay the loan back until the home is no longer your primary residence For more information on when a reverse mortgage comes due click here. Another great feature of a reverse mortgage is you can never owe more than the value of your home. No matter what.

Dallas Reverse Mortgage Tip:

If you have already taken cash out (Texas A6) you can still do a reverse mortgage with our company as long as the other standard qualifications are met!

If the borrower chooses not to make a monthly payment, then the interest will be added to the loan and the payoff will increase.

The following "ends" a reverse mortgage and thus the funds have to be paid back:    
    a. the home is no longer a primary residence, or the borrower sells the home.
    b. the last borrower living in the home passes away. The estate then has 1 year to sell the home, refinance the home, or simply payoff the reverse.

A borrower who receives a reverse mortgage is still responsible for their insurance and property taxes.

Even though there isn't a required monthly payment on a reverse mortgage, with our product, you can still make one. You can pay as much or as little (or nothing at all) as you desire.

Not all reverse mortgage companies are the same, they don't all have access to the same products

You can take cash out with this product

A reverse mortgage is not credit driven or income driven, so even if you have low income or bad credit it doesn't change the approval process.

As people get older, some of their bills (home repair, medical expenses, etc.) increase while at the same time their income decreases so a reverse can help even out your debt to income ratio .


The reverse mortgage product we offer (HECM) is a government regulated mortgage used to help people stay in their homes as they age. The product name is "Home Equity Conversion Mortgage" but we use the term reverse mortgage because the public is more familiar with that term.

Someone living in the home must be 62 to qualify and have enough equity to meet the lending requirements.



Are you 62 or older?

If you’re aged 62 or older and own your home you might be eligible for a reverse mortgage. Contact us to find out more about reverse mortgages and ways to make it work for you, or apply now and start the process of tapping the equity in your home.

Benefits of a Reverse Mortgage

One of the things that makes a reverse mortgage great is the fact that you can tap into the equity you've built into your home over the years. That money can be used to enjoy the best time of your life, whether that be traveling, investing or anything else you want. 

Apply for a Reverse Mortgage

Applying for a Reverse Mortgage is quick and easy. Our mortgage specialists are ready to help you start the loan process so you can spend more time with the things that really matter. Take advantage of our reverse mortgage application today!



What is a Reverse Mortgage?


A reverse mortgage is a loan designed to allow seniors to draw upon the equity in their homes either by a lump sum payment or by monthly installments thus providing income even after retirement. The reason this type of mortgage is called a “reverse mortgage” is because the money goes directly to the home owner instead of into paying for the home.

Eventually the money paid to the homeowner is repaid with interest, however it generally doesn’t become due until the homeowner leaves the home due to death, move, etc.


What is the difference between a regular mortgage and a Reverse Mortgage?

There really aren't that many differences. The biggest difference is that a reverse is easier to qualify for because income and credit don't affect the approval process. The other main difference is THE BORROWER GETS TO CHOOSE THEIR MONTHLY PAYMENTS or none if they don't want to pay at all! HOW ABOUT THAT FOR A CHOICE!


Why should I get a Reverse Mortgage?


Getting a reverse mortgage is a big step and needs to be carefully evaluated. Many people have found that by taking a reverse mortgage they avail themselves of the equity they have built in their home.

Something about it allows them to live without moving out of their home.  Do they use the words “Draw down” when referring to equity.

Typically those who benefit most from a reverse mortgage are those who plan to stay in their homes over an extended period and have built a decent amount of equity in their homes. Also, the risk associated with a reverse mortgage is significantly lower than more traditional types of mortgages because you can never owe more than the value of your home.

Contact one of our professionals today to find out if you have enough home equity to make a reverse mortgage a good decision for you. If you have a good amount of equity in your home and you plan on staying there for an extended period of time then a reverse mortgage might be right for you.


How do I qualify for a Reverse Mortgage?


If you own your home and are over 62 years of age you are eligible for a reverse mortgage. The home you are thinking of taking the reverse mortgage out on must generally be your primary residence. There are some conditions to what type of home may qualify.

  • Typically single-family units are accepted by all programs
  • Condominiums
  • Manufactured homes and planned developments can qualify for some programs
  • Most mobile homes and co-ops are generally not eligible
We can help you figure out if you’re eligible for a reverse mortgage. Call us today! If you're ready to get started on a reverse mortgage apply now!