Homepage Pic Welcome to our Reverse Mortgage website! Our mission is to set the highest standard in the Reverse Mortgage industry. We are committed to quality customer service and putting the needs of the people we serve first. We will always adhere to the highest degree of integrity in all of our business dealings.

When it comes to Reverse Mortgages, Education is the key. Our pledge to you, is to complete the education process, so you are able to make an informed decision. We always encourage prospective clients to invite family members to be a part of the discussion with us during the education process.

Check markUse one of our simple loan application options to Refer A Friend

 
 
Find the solution that fits your needs.

Reverse Mortgages

A reverse mortgage is a home loan that lets homeowners convert a portion of the equity in their home into cash. The equity built up over years of mortgage payments can be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence.

 

Am I Eligible?

To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance
that can be paid off at the closing with proceeds from the reverse loan; and must live in the home.

 

How Much Do I Get?

The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.

 
 

TESTIMONIALS

In our current unpredictable and often volatile economic environment, retirees need professionals they can trust to help them navigate their options regarding a secure retirement. One of these increasingly necessary options is a reverse mortgage. I have been in the financial and insurance services industry for over 16 years and speak not only from professional experience but, more importantly, personal experience. A few years ago my parents, who have since passed away, were able to eliminate their house payment, access over $70k in their home's equity and were still able to continue to live in their home (which by the way was my childhood home) until their deaths in 2010. My father passed away in April, 2010 and the $70k went toward long term care expenses for my mother allowing her to stay in her own home until she too passed away. Who would have thought a mortgage product could provide so much comfort to one family. While RM's aren't for everyone, it is certainly something to consider under the appropriate circumstances. Additionally, it is imperative that senior's considering a RM speak with a mortgage professional who is experienced in these types of mortgages. Jim Middleton has 15 years experience in the mortgage industry and is very knowledgeable in reverse mortgages. Clients I have referred to Jim over the past several years have been impressed with his level of knowledge and his ability to speak in "laymen's terms" to make the process more understandable. I have enjoyed my professional association with Jim and will continue to refer my reverse mortgage clients to him with every confidence that they are being taken care of as if they were family!
-Jaclyn B. Fields

We appreciate doing business with you on our reverse mortgage Thank you for explaining the process in a way that was easy to understand, you made it easy to make the decision. It was explained so that we knew what all the requirements would be and what we would be responsible for, any question we had you were able to answer. Thank you for answering all of our questions in a knowledgeable and timely manner.
- Greg and Carol C.

Thank you so much for helping us finance our beautiful home. Your professionalism, kindness and patience gained our trust in you and ever so appreciated,
Ramirez

After much study and thought my wife and I decided that we would take the next step in the process of securing a Reverse Mortgage. Coincidently, a few days later we received a mail solicitation from a complete stranger offering information. We made the call to Jim Middleton at Atlas Mortgage and our experience began. From the beginning our relationship with Jim progressed as we asked our many questions received printed material and with his nurturing decided to proceed to a closing. Through it all Jim was always ready to address our concerns with his thorough understanding of the product and the process. We were well pleased with his conscientious service and knowledge.
- Roger and Kathryn S.

 

Quick Home Search

Quick Quote Image

 
 
No errors
 
 
No errors
 
 
No errors
 
 
No errors
 
 
No errors
 
 
 
No errors
 
 
No errors
 
 
No errors
 
 
No errors
 
 
No errors
 
 
No errors
 
 
 
secure

Trusted. Experienced. Secure.