A reverse mortgage is a loan program designed to enable homeowners 62 years and older to convert part of the equity in their homes into tax-free cash flow* without having to sell the home, give up title, or take on a new monthly mortgage payment. Instead of making monthly payments to the lender, as with a regular mortgage, the lender makes payments to you. You are required to pay your property taxes, insurance and any other charges associated with your property.
* Consult a Tax Professional.
Reverse mortgage loans are not all we do, but they are our specialty. That’s why we’re know as the reverse mortgage advisors®. We understand the importance of offering all loan products to our consumers. Yes, you most likely found us with a reverse mortgage Google search and we would love to help you with your reverse mortgage. We do specialize in them and we do a good job of it as evidenced by our countless reviews. However, should another loan product be a better fit for you than a reverse mortgage, we have the ability to offer that product to you.
Think about it, if a company advertises that all they do is reverse mortgages, do you think that some of their clients are being sold a reverse mortgage when they shouldn’t be or are they turning them away?
Most likely they are closing the sale.
As a broker, we offer wholesale rates from most leading reverse mortgage lenders.
We are a small, efficiently run reverse mortgage broker. As such, we strive to keep our overhead costs low, which allows us to pass that savings on to you.
Our in-house celebrity was born with his mustache. Can Tom Selleck say that?
Watch our commercial we produced to bring a little levity to reverse mortgages. Not only are we reverse mortgage experts, we like to have fun while doing our job too. Plus, we saved on the overhead of a celebrity spokesperson.
MLS was Great! 200% satisfied. This was our first home buying experience and Josh was very Professional and patient with all of our questions and concerns about the process. He made getting a home loan very easy. I (we) highly recommend MLS… Read more “Great!”
I have purchased 3 homes with the assistance of MLS. Josh made the process go smoothly and quickly. I would highly recommend… Read more “Very Smooth Process”
Josh Borba is a miracle worker! This is the third time we have used MLS mortgage for financing, and we are always impressed with his efficiency and competency. He has a way of making you feel at ease…that you know he will take care of anything that should arise. I would highly recommend MLS Mortgage… Read more “Josh Borba is a Miracle Worker”
I’m so thankful for Josh Borba at MLS Mortgage for helping me qualify for a Reverse Mortgage loan. It was a complicated process but Josh pulled it through for me. Their customer service is outstanding and and create good relationships with their clients. Thank you Josh for all you do! Sincerely , Lupe… Read more “I’m so Thankful”
Extremely pleased with the service with MLS Mortgage on my recent reverse mortgage. Josh Borba is very knowledgeable on the subject, answers any questions honestly, and is extremely prompt and… Read more “Extremely Pleased”
My name is Ken Mayfield, living in North Idaho. I don’t write reviews because it seems like customer service has become nothing but recorded do it your self programs. Not so with the people at MLS Mortgage. I just closed on a new reverse mortgage with MLS that was necessary to get my wife on… Read more “No fishing, just a good deal right from the start”
We were referred to Josh Borba through our agent on a residential real estate purchase. We planned to use our credit union but also shopped rates through Josh and he was able to beat our bank so we went with him. It was the right choice. The transaction went smoothly, funded on time, easy close… Read more “Easy close at a great rate”
I worked with Josh twice on a reverse mortgage and I found him to be very profession and trustworthy and also good to his word. He is not greedy and his fees reflect that aspect. He also very thorough and will do any follow up that may be required. I highly recommend him, you won’t… Read more “I highly recommend”
We wanted to refinance to take advantage of better interest rates and the fact we had paid down the existing mortgage substantially. MLS did a terrific job in getting us a good deal and getting it done quickly. They are knowledgeable, efficient, and professional. This is going to make our retirement planning much… Read more “This is going to make our retirement planning much easier!”
Working with Josh was a true pleasure given his responsiveness and patience. Because of my work and travel, it took months to work through the reverse mortgage on my mother’s behalf. A few times I’d asked Josh to pause the process and then remind me at a later time for check in. He fully respected… Read more “Super responsive”
I want to give Mike, Yanet, and the rest of the a huge thank you! You guys are amazing. This could not have happened without you. You help my dream of rescuing Sled dogs come true. You will forever be in my… Read more “A huge thank you!”
We have been doing business with MLS Mortgage for many years. Very professional, knowledgeable, and caring. I would recommend them… Read more “Very professional, knowledgeable, and caring”
I just bought a home with my second R.M. Josh Borba was my gentle guide through the entire easy pleasant experience. I highly recommend this man of integrity, care, sensitivity & grace if you are looking for a helper during the often confusing process. He makes it all so… Read more “He makes it all so easy”
We were referred to Josh Borba through our agent on a residential real estate purchase. We planned to use our credit union but also shopped rates through Josh and he was able to beat our bank so we went with him. It was the right choice. The transaction went smoothly, funded on time, easy close… Read more “It was the right choice”
We had a great experience with this company. We dealt with Shawna, who worked her tail off to make sure all our ducks were in a row for a timely close… not an easy task these days! We heartily recommend Shawna at… Read more “We heartily recommend Shawna at MLS”
Josh came to us highly recommended and it’s easy to see why. He is a true professional; knowledgeable, hardworking, and calm under pressure. From start to finish, Josh maintained constant contact with us and made sure that we understood the mortgage process. When an issue arose with the appraiser, he went out of his way… Read more “We would not hesitate to use Josh again in the future!”
Josh is simply amazing!!! When I bought our second home our realtor recommended him. We went to him this time because we refinanced and trusted his homestead opinion. He was helpful and patient with us. We actually referred our son to… Read more “Josh is simply amazing!”
I am so fortunate to have found Josh for Reverse Mortgage help. He is a person of great kindness, patience, responsiveness & genuine interest in doing the best for his client. He was swift & efficient with my R.M. home in Paradise, California in spring of 2016. After the town burned down with my entire… Read more “So Fortunate to Have Found Josh”
MLS Mortgage and my loan officer Josh Borba were professional, speedy & courteous. The only broker for our loan… Read more “Professional, Speedy & Courteous”
When my husband and I searched the internet for information about taking up a Reverse Mortgage we were immediately inundated by calls from agents who were very pushy and offered to make a deal very quickly. A friend recommended Kim Dodge as an honest, trustworthy and knowledgeable person, and we are glad we followed his… Read more “Honest, Trustworthy, and Knowledgeable”
We’ve been really happy with the Reverse Mortgage and it has done exactly what we expected. Nothing better than never paying a mortgage again for the rest of our lives! If you have anyone who wants a testimonial about how well you took care of us, just let me… Read more “We’ve Been Really Happy”
Shawna worked as hard for us as any family member, and the Reverse mortgage has given us a second chance at retirement. You MUST let her explain this great mortgage plan to… Read more “Shawna Worked Hard For Us”
Shawna McDonald provided expert loan knowledge, service and timely follow through on my loan. I got a great rate and was treated with care. She got my loan completed and was there for me every step of the way, I highly recommend… Read more “Expert Loan Knowledge”
If you want a Reverse Mortgage we highly recommend you go to an expert in the field. The expert in the field for us is Shawna McDonald. She is a woman who is “on it” every moment of the process. She keeps you informed of progress and works diligently to ensure the process moves swiftly… Read more “More Than Happy to Get a Reverse Mortgage”
If you are looking for up-to-date information on reverse mortgages or wish to start the reverse mortgage process, look no further than Shawna McDonald. Shawna brings her years of experience in the real estate and mortgage businesses to the reverse mortgage niche. She is very knowledgeable, professional and personable. Above all, she has impeccable ethics.… Read more “Impeccable Ethics”
I highly recommend Shawna McDonald for any qualified senior planning to obtain a reverse mortgage. From the first phone call, then the first meeting thru the last meeting when we signed papers, Shawna made the entire process go easily and smoothly. It was a pleasure working with Shawna. Besides her business knowledge on the subject,… Read more “Thank You For Your Tireless Efforts!”
Highly recommend Dee for all your mortgage and home purchasing needs! She’s an absolutely wonderful person and an expert in the home buying purchasing… Read more “Highly Recommend Dee!”
Sure do love Dee’s motivation in helping others! One day as I could use her services I will; until then happy to provide a character reference. Therefore I share a 5 Star… Read more “5 Star Rating”
Adrian Rhein has produced a Raving Fan out of myself and my wife. We expected to have at least some headaches when buying our new home, but our experience was far from it. Adrian is very professional and the whole process was smooth and pain-free. He has a strong knowledge of current real estate markets… Read more “Raving Fan”
I have been very impressed working with Adrian. He is a true professional and has a big heart for people. He really cares and works hard to get people the loan they… Read more “True Professional”
Adrian was a pleasure to work with. He was very patient with my fiancé and I through this whole process and explained everything to us since we didn’t know anything as first time home buyers. He even went above and beyond and submitted a personal letter to the seller explaining our qualifications. We will be… Read more “Thank you for all your hard work!”
Absolutely the best source of financial information and advice. Adrian was right on with estimates of time and events. He worked closely with both realtors and was a treasured source of information. I have already and will continue to recommended Adrian to my friends and associates. I am truly… Read more “Best Source of Financial Information”
Adrian is an awesome loan broker, banker. He did an excellent job on my loan and I will recommend him to as many people as I can. He has a great manor about him. He says what he will do and then he gets it done. I even got a refund from the title company… Read more “Thanks to Adrian and His Team”
Working with Adrian was fantastic. He is knowledgeable, honest, attentive, and reliable. I would highly recommend his… Read more “Knowledgeable, Honest, Attentive and Reliable”
Adrian Rhein is a very knowledgeable, patient, caring, and professional man. He took the time to explain everything to me, so that I could make an informed decision regarding my loan options. It isn’t often that you find someone that truly has your best interests at heart. At the beginning, I literally knew nothing about… Read more “He took the time to explain everything to me”
We really appreciated our experience with Adrian and the staff at MLS Mortgage. They were professional, informative and timely. The process followed the timeline great and we will definitely recommend Adrian and MLS Mortgage to friends and… Read more “Professional, Informative and Timely”
In the first 15 minutes of speaking with Adrian I knew he was a “let’s make it happen” kind of person. He guided my wife and I through the entire process patiently and professionally. I will call him the next time I need a mortgage. If you need a mortgage, Adrian is the person to… Read more ““Let’s make it happen” kind of person”
I was well served by Adrian all throughout my loan process. Adrian was professional and worked hard to complete my load. Sincerely, John… Read more “Well Served By Adrian”
Adrian was professional from the get go. He always kept me informed of process as we went along the refi process. Adrian even went the extra step and fronted me the money for our appraisal and 2nd consolidation. Top notch professional all steps of the process. Thanks and keep up the awesome service you provided… Read more “Top Notch Professional”
I’ve been in this business a long time and working with Kim has been an amazing experience. Her professionalism and care for her clients and Realtors is exemplary. Kim is more than happy to share her resources and is a wealth of knowledge for obtaining this valuable retirement planning tool. There is no need to… Read more “Her professionalism is Exemplary”
I recommend Kim Dodge at Nextview Loans. Kim is good about explaining complex financial options in every day language. She was able to help one of my clients get a reverse mortgage so his Mom could get the care she needed in an adult care home and his Dad could make some renovations to his… Read more “I would recommend Kim highly”
Thank you so much for taking such wonderful care of our terrific clients! I know Karen and I were both very impressed by Kim. She gently and thoroughly explained everything like no lender I’ve ever seen do at a signing — even highlighting things on the docs for the buyer(s) to be aware of. She… Read more “Thank you so much for taking such wonderful care of our terrific clients!”
I was recently working as a senior advocate for an 89-year-old gentleman that had been taken advantage of by his family. Kim invested a great deal of time and creativity to figure out how we could get him a reverse mortgage. In the end, he didn’t have enough equity but that didn’t stop Kim from… Read more “I know how rare this kind of genuine caring really is”
I had a very bad experience with my first loan officer and now I have Kim in my corner and I wouldn’t recommend anyone go to anyone… Read more “I Have Kim in My Corner”
Read the Full Testimonial Bill, Maureen, Sue and I just want to thank you again for your expertise and help in getting their Reverse Mortgage. They really enjoy their new home. Can’t thank you enough. It’s been a real pleasure working with you over the last 3 months. May God continue to bless you in… Read more “”
Mahalo-Letter-to-Nina We quickly realized we needed to turn to someone who knew what they were… Read more “”
Thanks for all your help. You did an awesome job! Thanks for putting up with… Read more “Thanks for all your help.”
I want to thank you for all your help and… Read more “”
I look forward to working with you again in the future. I think you do a great job with your clients and it’s always a pleasure to sit in with them, and with… Read more “”
Wanted to let you know we’re all finished with the reverse. Have to say that Nina made it about as painless as possible. She was really available and ready to answer questions and help whenever we needed her. I’d absolutely recommend her if you have other clients who want to do this. We also made… Read more “”
I just wanted to take a moment to thank you for your professionalism and expertise in handling my reverse mortgage. You made a complicated and somewhat unnerving process very easy to negotiate and understand. I am grateful for the peace of mind that this product has given me. Thank you again and I wish you… Read more “thank you for your professionalism”
Dec 11, 2025
The Federal Housing Administration (FHA) has officially raised the national lending limit for Home Equity Conversion Mortgages (HECMs) for 2026. The new maximum claim amount is $1,249,125, up from the 2025 cap of $1,209,750. This increase applies to all case numbers assigned on...
Jan 17, 2025
If you have a reverse mortgage (a Home Equity Conversion Mortgage or HECM) and a natural disaster hits, you might be wondering what happens next. Do you still have to pay property taxes? What if your home is damaged? What if you can’t...