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The Data Driven Reverse Mortgage Lending Platform

Reverse Mortgage USA
Helping Families And Their Future.

Reverse Mortgage USA is a leading platform, that connects families
with trustworthy lenders so you can protect your future, and your families future.



Data is behind
everything we do.

We are the first data driven company
that uses artificial intelligence to intelligently match you with a reverse mortgage lender.



We're changing the industry.
By offering a higher level of service.

Our goal is to change the industry and lives
by striving for a higher level of service, results, and satisfaction.


The Leading Reverse Mortgage Company

Who We Are

We have a network of reverse mortgage lenders all over the country, who are vetted and are ethical. They focus on providing the best possible service and results. We’re aiming to revive trust in the mortgage industry by focusing on service, transparency, and trust.

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Our Philosophy

We are a firm believer in concierge customer service, and doing the most we possibly can for our clients. Everything we do, is focused on helping our clients get the best possible reverse mortgage for their needs. Trust and transparency is the foundation based on everything our reverse mortgage platform does.

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Why You Can Trust Us

We are a firm believer in concierge customer service, and doing the most we possibly can for our clients. Everything we do, is focused on helping our clients get the best possible reverse mortgage for their needs. Trust and transparency is the foundation based on everything our reverse mortgage platform does.

About Us →

What We Do

We are a firm believer in concierge customer service, and doing the most we possibly can for our clients. Everything we do, is focused on helping our clients get the best possible reverse mortgage for their needs. Trust and transparency is the foundation based on everything our reverse mortgage platform does.

About Us →

Explore our Solutions

Take a look at our offerings, from advice to streamlining your investment portfolio you’re in good hands.

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See how Fintech has transformed the everyday operations of small businesses all over the world.

Get in Touch with us

We’d love to chat about how we can transform your finances. Email us and we’ll get back to you within 24 hours.


Working everyday for the people that matter.

No global movement springs from individuals. It takes an entire team united behind something big. Together, we work hard on creating the best investment platform.


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Fintech has helped us to just have a better handle on everything in our business – to actually make decisions and move forward to grow.

Jennifer Healy


Amazing Staff


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What are Reverse Mortgages

You may have heard about reverse mortgages and the financial flexibility that they can provide, particularly true as individuals reach retirement age. What exactly is a reverse mortgage and what benefits and risks can it provide.

When an individual takes out a mortgage loan the loan often has a significantly lower interest rate than other forms of debt that you may be familiar with, such as a term loan or credit card balances. This is because the mortgage loan is less risky to the lender as the home value serves as collateral for the loan.

A reverse mortgage is a loan against your home value. If you have already repaid a mortgage you own a house outright. If you choose a reverse mortgage you are effectively borrowing against your home value by creating a new mortgage with your home serving as collateral against that loan and thus insuring the lender regarding the credit quality of the borrower thus lowering the interest rate.

Basically, with a reverse mortgage a borrower receives a large cash payment that can then be invested in exchange for a home. This cash payment can help an individual with money to support their lifestyle and is particularly popular with older individuals who may not have saved enough for retirement and are now trying to extract some value from their largest asset, which is often their home.

A reverse mortgage does bear a risk for the borrower. Since the lender has a lien on the home that is serving as collateral for the reverse mortgage loan, upon default of the home may lead to a loss of the home for the homeowner. Some people who own their homes outright are unwilling to take a reverse mortgage loan as a result, although it has the same risks as any mortgage loan.

What Are The Fees Associated with Mortgages

What Are The Fees Associated with Mortgages

There are many different mortgage options to choose from when purchasing a home. It is best to consult with your mortgage banker in the process of choosing which mortgage option is best for you. Like with any financial move, it is best to know all the costs included when taking a mortgage out on a home. There are more fees than just buying a home.

Purchase points are part of the process with mortgages. These are fees that are paid upfront to the lender such as the bank. Purchase points will lower your interest rate over time with the loan. Points are distributed as one point equaling one percent of the loan amount. Depending on how many points you buy, you may need more or less money at closing.

Interest rates are one of the common fees associated with mortgages. A interest rate is charged for the bank another type of lender allowing to use their money to purchase the home. Interest rates will determine the price of how much your payments will be which are usually paid for on a monthly basis. It is best to work with a lender that has a lower interest rate. This will decrease monthly payment and typically a lower interest rate means lower payment. Another thing to consider is that interest rates on changing rapidly on a daily basis. Although you may have a quote from a lender, it is no guarantee that the interest rate will be the same when closing. However, you can lock in the quoted rate from as little as 15 days up to a whole 60 days. Locking in an interest rate quote can be beneficial, but can be more expensive the longer you lock it in.

Other fees can be included as well. The cost of processing is a fee that is included for most mortgages when purchasing a home and for underwriting that particular loan. Other fees can include the fees to have the title ensured. Land surveys may be required as well, however, home appraisal is always a requirement. A home appraisal will give both you and the banker an estimated value of what the property is worth.

What Does Refinancing a mortgage mean

Many people that are dissatisfied with their current mortgage rates are considering on refinancing their mortgages. Refinancing a mortgage is having a new mortgage set up on a piece of property that already has a mortgage on it, and usually for an increased amount than what the initial mortgage was for, before the end of the current mortgage’s term. The balance of the initial mortgage is typically paid off by the proceeds made by entering into the contract for the new mortgage. Sometimes, there is a penalty that will have to be paid in order to break the existing mortgage and enter into a refinanced mortgage. It is important for a person that is looking at refinancing a mortgage to do as much research as possible to fully understand what it is that they are entering into before they sign any papers. It may be better for them to go to a mortgage professional that can explain the pros and the cons of a refinanced mortgage.

For some people it is a way for them to get out of an existing mortgage that had a high interest rate. This inflated interest rate could end up costing the homeowner tens of thousands of dollars. The penalty cost for breaking the first mortgage and entering int a refinanced mortgage may be far less than they would pay if they were to continue with the original mortgage until it is paid off. This is one of the appealing features that is causing an increased number of people, who may feel as if they are sinking deeper into debt, to get their heads above water. It may give them the ability to save their home from foreclosure, or bank repossession, and this makes a refinanced mortgage a popular method for keeping a family’s house.

What is the HARP Mortgage Program

After the U.S. Housing Bubble burst in 2006, many home prices fell through the roof. Homeowners witnessed the value of their home fall significantly below their mortgage balance or close to it. These homeowners were then not able to lower their interest by refinancing because banks typically require a home-to-value ratio of 80% or less to refinance. To help homeowners who had a home-to-value ratio of more than 80% refinance, the HARP program was created. HARP stands for Home Affordable Refinance Program, and was set up by the Federal Housing Finance Agency in March 2009. The HARP Mortgage Program is a federal program that aims to help homeowners who have little equity on their homes easily refinance. Many people who are unable to secure a traditional refinance mortgage are able to secure refinancing through HARP. Through HARP they are able to obtain a more affordable and secure mortgage. There are some criteria that must be met for eligibility in the HARP program. The first criteria is that the mortgage of the house must be owned by Freddie Mac or Fannie Mae, and the mortgage must have been sold to either of them on or before May 31st, 2009. Additional criteria are that the current loan-to-value ratio on the house must be more than 80%, the borrower must be up to date with payment on the mortgage and have to late payments in the past 6 months, the borrow must be able to pay the new mortgage payments, and that the refinance actually improves the loan. According to Freddie Mac, borrowers who refinanced through HARP in the first half of 2010 saved an average of $125 to $150. The HARP program is still available today for homeowners who have trouble refinancing the traditional way. The program is scheduled to be ended on December 31st, 2013, and will not be available anymore in 2016.

why should a mortgage company be BBB accredited

Mortgage companies should want their prospective clients to be able to check their Better Business Bureau (BBB) accreditation before choosing to do business with them. Why? Several reasons.

When you decide to buy a home, you want to know that the mortgage company helping you is trustworthy. If you are moving to a new location and are unfamiliar with the local banks, you have no way to know if you can trust the mortgage company you are working with. This uneasy feeling can quickly be resolved with an unbiased rating system telling you if former customers of this particular company were satisfied with how they were treated. Enter the BBB.

Being accredited by the BBB is essentially free advertising for a mortgage company to draw in new customers, presuming they have a high priority for customer satisfaction. If they treat their customers well, then they receive a high rating from the BBB and future customers will want to do business with them. This gives them an edge on the competition. A small bank will be able to outshine a large bank if the BBB demonstrates a better record.

Clients will be happier with the mortgage company, as well. They know they will be able to hold their mortgage company accountable if they are not treated fairly. People are used to searching on the internet to learn about products and companies and know they can trust the ratings of the BBB to help them make the best decisions.

In short, both mortgage companies and clients win if a mortgage company is accredited with the BBB.