If you live in Nevada 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 Nevada.

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 Nevada

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 Nevada. 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 Nevada area are being served in the best way and their reverse loans are structured properly.

It’s not an easy decision to determine if you should apply for a reverse mortgage in . When it comes to making that decision, make sure you talk with a loan officer that specializes in this type of loan.

Our mortgage originators are dedicated to sticking to our code of conduct and ethics policies. They must inform you of each of the terms and conditions of the loan clearly along with the utmost regard of your needs and goals and objectives. None of our specialists are permitted to steer you into additional products or loans that aren’t beneficial to you and not necessarily in your best interest. Go ahead and compare our pricing with other mortgage companies. I’m sure what you will find is both our fees and rates tend to be very competitively priced. You shouldn’t feel bad about saying no, you need to make the right decision as to whether this is the appropriate loan to suit your needs.

Knowledge is power. You should spend as much time as is needed doing research so when you call one of reverse mortgage lenders in you are able to feel more confident about questions you have.Not only can doing research make you more confident to make a decision, but it can also help you save time and money. An excellent place to start is our Top Ten Reverse Mortgage Questions.

We understand that a reverse mortgage might not be best for your needs. For many people the reverse mortgage would be the only solution, For others, there could be all types of options that should be taken into consideration. Make sure you call us if you want assistance deciding if the reverse mortgage is the right fit for you. All of our industry experts are readily available to you to not only explain the process, but there to answer important questions which help you determine if this is the best choice. Make sure you look over our ethics policy to see how we operate as a company.

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 Nevada 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 Nevada?

There is no doubt that you have questions about getting a reverse mortgage in Nevada. 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 Nevada 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 Nevada experts so you can get a personalized answer to your unique situation.

We consult with clients in these locations too: North Las Vegas, Winchester, Sunrise Manor, Paradise, Nellis AFB, Spring Valley, Whitney, Summerlin South, Enterprise, Henderson. We’ve discovered that a majority of senior homeowners wish to work together with someone local. This really makes quite a lot of sense simply because choosing a reverse mortgage is a big decision.