Find Comfort in Retirement with a Reverse Mortgage Loan.
What is a reverse mortgage loan?
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.
What are the requirements?
- At least one homeowner must be at least 62 years old.
- The home must be your primary residence. Your home must be either a single family home, 2-4 unit owner-occupied home, HUD
approved condo, townhome or manufactured home that meets HUD requirements. - You must attend a HUD-approved counseling session by phone or in person.
- You are required to continue to pay property taxes, homeowners insurance and any other property related charges like you currently do and as you would do with any other loan type.
Why work with MLS Reverse Mortgage, powered by ZYNG Mortgage?
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.
See Real Reviews from Past Customers
Great!
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 Mortgage.

Very Smooth Process
I have purchased 3 homes with the assistance of MLS. Josh made the process go smoothly and quickly. I would highly recommend them!

Josh Borba is a Miracle Worker
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
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 U.
Extremely Pleased
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 courteous
No fishing, just a good deal right from the start
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”
Easy close at a great rate
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 highly recommend
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”
This is going to make our retirement planning much easier!
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 easier!
Super responsive
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”
A huge thank you!
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 heart!
Very professional, knowledgeable, and caring
We have been doing business with MLS Mortgage for many years. Very professional, knowledgeable, and caring. I would recommend them whole-heartedly.
He makes it all so easy
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 easy.
It was the right choice
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 heartily recommend Shawna at MLS
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 MLS.
We would not hesitate to use Josh again in the future!
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!
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 him!!
So Fortunate to Have Found Josh
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”
Professional, Speedy & Courteous
MLS Mortgage and my loan officer Josh Borba were professional, speedy & courteous. The only broker for our loan needs.
Honest, Trustworthy, and Knowledgeable
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
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 know.
Shawna Worked Hard For Us
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 you.
Expert Loan Knowledge
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 her.
More Than Happy to Get a Reverse Mortgage
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”
Impeccable Ethics
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.…
