Business Details
9 Years
experience
Trusted Reverse Mortgage Services in Texas
1st USA Reverse Mortgage has been empowering Texas seniors with financial solutions since 2017. Our team of licensed professionals specializes in HUD-insured Home Equity Conversion Mortgages (HECMs), providing personalized guidance to help clients navigate retirement planning. With decades of combined experience, we prioritize education and transparency, ensuring clients understand all available options. Our services include adjustable-rate, fixed-rate, and purchase-specific reverse mortgage programs tailored to individual needs. We maintain rigorous compliance standards while offering flexible disbursement methods like lump sums, monthly payments, and growing credit lines.Our proven process emphasizes client support through every stage, from initial consultation to funding. Headquartered in Austin, we serve all Texas metropolitan areas including Dallas, Houston, and San Antonio. Testimonials highlight our responsiveness, expertise in resolving complex issues, and commitment to senior financial security. We operate under NMLS #208569 with strict adherence to ethical lending practices.
Services
Reverse Mortgage Programs
HECM Loans
Mortgage Brokers
Financial Planning
Home Equity Conversion
Details
- Year established: 2017
Highlights and features
- We provide personalized reverse mortgage education from NMLS-certified professionals
- Our team has 14+ years of combined experience in senior mortgage solutions
- We offer all HECM program variations including purchase-specific options
- Clients receive weekly process updates and dedicated support
- Proven track record helping hundreds of Texas seniors since 2017
Associations and certifications
- U.S. Department of Housing and Urban Development (HUD)
What people say
Excellent job
Professional service
Knowledgeable staff
Responsive team
Smooth process
Services
Reverse Mortgage Programs
Our reverse mortgage programs enable Texas seniors to convert home equity into tax-free funds without monthly payments. These HUD-insured solutions offer flexible disbursement options including lump sums, monthly payments, and growing credit lines. Funds can be used for living expenses, home improvements, or investment preservation.
HECM Loans
HECM loans provide federally insured financial flexibility for seniors aged 62+. These mortgages allow homeowners to access equity while maintaining property ownership. Available as adjustable-rate, fixed-rate, or purchase-specific options, they include lifetime payment guarantees and non-recourse protections.
Mortgage Brokers
Our NMLS-certified mortgage brokers guide clients through reverse mortgage options tailored to retirement goals. We offer personalized consultations, financial assessments, and program comparisons. Our specialists coordinate appraisals, process documentation, and ensure compliance with federal regulations throughout the loan lifecycle.
Financial Planning
We help seniors integrate reverse mortgages into comprehensive retirement plans. Our approach preserves investment portfolios, covers healthcare costs, and creates financial security. We demonstrate how HECM credit lines grow over time while protecting Social Security and Medicare benefits.
Home Equity Conversion
Home equity conversion services transform property value into usable funds without forced sales. Our solutions enable debt elimination, emergency fund creation, and home modification financing. Clients maintain title ownership while accessing tax-free proceeds that increase financial flexibility during retirement.
People
Joe Valdez
RMLO/Reverse Mortgage Professional
Joe Valdez has 14 years of experience originating reverse mortgages in Texas. He specializes in helping seniors access home equity through personalized solutions. His team focuses on timely closings and comprehensive client education.
Chris Valdez
RMLO/Reverse Mortgage Professional
Chris Valdez brings extensive expertise in reverse mortgage processing and client support. She ensures smooth transactions with prompt communication and problem-solving. Her dedication to senior financial security has earned multiple client commendations.
Larry K. Olez
RMLO/Reverse Mortgage Professional
Larry K. Olez provides professional guidance for reverse mortgage clients. He focuses on clear communication and thorough documentation review to ensure clients understand their financial options and obligations.
Questions
What reverse mortgage programs do you offer?
We provide all HUD-approved HECM variations including adjustable-rate, fixed-rate, and purchase-specific reverse mortgage programs.
How does the reverse mortgage process work?
Our 6-step process includes education, application, processing, appraisal, closing, and funding with dedicated support at every stage.
Are you licensed to operate in Texas?
Yes, we operate under NMLS #208569 and serve all Texas metropolitan areas from our Austin headquarters.
What are the eligibility requirements?
Applicants must be 62+ years old, own their home, and complete mandatory counseling with HUD-approved agencies.
How quickly can loans be funded?
Most loans fund within 4 business days after closing, with proceeds delivered via direct deposit or cashier's check.
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