Average Rating: 5.0 stars (based on 44 ratings)

Over one million HECM reverse mortgages have been closed since the inception of the program in 1990. We are happy to have contributed to those numbers. Over the years we have many satisfied clients as evidenced by several web based reviews through multiple trusted review websites including Google, Facebook, Yelp, BBB, Zillow and more. These testimonials have made us, humbly one of the top rated Reverse Mortgage Brokers in the country. We are proud to have served so many people.

Please take some time to read through our reviews.

You will find that our reviews are overwhelming positive. You may come across a 4 star here or there, but for the most part, our clients have been rating us 5 stars. How will you rate us after we’ve closed your reverse mortgage? Our goal is for a perfect score!

We have an A+ rating with the Better Business Bureau, will multiple reviews to back it up.

MLS Mortgage BBB Business Review

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!!

Tammy W.
Source: Yelp

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 at a great rate.

Source: Google

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 home & history, November 8th, 2018, Josh was right on top of everything when I asked if he could work in Colorado, where I was going to live. Although I was in intense stress throughout the months in hotels, with infinite paperwork, meetings, etc. Josh moved through it all with grace, dignity, care & integrity. Highly recommend this man. 6 Stars.

Lelia S.
Lead Source: BBB

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.

Joan S.
Source: Yelp

Knowledgeable, Honest, Attentive and Reliable

Working with Adrian was fantastic. He is knowledgeable, honest, attentive, and reliable. I would highly recommend his services.P.

John P.

Raving Fan

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 which is easily noticed when talking with him. Adrian found us a very competitive rate mortgage that helped us get the home of our dreams! We’d happily work with him again!

Cliff Moore

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.

Katie W
Source: Google

Professional, Speedy & Courteous

MLS Mortgage and my loan officer Josh Borba were professional, speedy & courteous. The only broker for our loan needs.

Garrett E.
Source: BBB

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. Shawna ensures that you find the best solution for your personal situation, whether or not that may be the reverse mortgage option. We feel extremely lucky to have found her and highly recommend her.

Bill and Lianne Magness

5 Star Rating

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 rating~

James Brooks

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 be disappointed! Warren G. CA

Warren G

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!

Laura Genovia

I Have Kim in My Corner

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 else.

Judith W

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!

Robert N

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.

George A

Highly Recommend Dee!

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 area.

Alicia Tsounis

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 and Josh to anyone looking to purchase a home or refinance. They are the best!


Thank you so much for taking such wonderful care of our terrific clients!

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 remained calm as you all were working so hard to smooth the bumps and adjust things (on this same day close for their property sale and new purchase). It was truly amazing. I’d love to come to your training
and will give a good plug for you and the Reverse Mortgage Purchase product! Just let me know when.

Traci Garets
Broker Town & Country Realty, Corvallis Oregon

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 this and conscientiously follow up at the agreed upon time. Then when we did engage, he was super responsive. It came down to him and another lender and Josh won us over.

Eli L.

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 recommendation

Edith and Stefan M.


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.

Chris Hall

Well Served By Adrian

I was well served by Adrian all throughout my loan process. Adrian was professional and worked hard to complete my load. Sincerely, John Baran

John Baran

Thanks to Adrian and His Team

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 and was able to use that to move with. I feel that we made pretty good friends through the process.
Thanks to Adrian and his team .

Terry J Windburn

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.

Mike D.

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 at a great rate.


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.
Teri W.
Source: Google

Thank you for all your hard work!

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 working with Adrian for future needs as well. Thank you for all your hard work and allowing us to close early!

Morgan Jacinto

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 to get it resolved quickly. There is no doubt that buying a home can be stressful, but Josh made the experience as easy and painless as possible. We would not hesitate to use Josh again in the future!

Regina W.
Source: Yelp

“Let’s make it happen” kind of person

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 call!

Frank D

Thank You For Your Tireless Efforts!

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, she is a really nice person !! We were told by a local escrow officer that she knows her stuff and indeed she does. Thanks so much Shawna for your tireless efforts in making this happen for us.

Doug Wight

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.

Guadalup U.

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.

Lelia S.
Source: Google

Her professionalism is Exemplary

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 shy away from buyers who are qualified for a reverse mortgage when purchasing a home. Kim takes the time to educate other real estate professionals how a reverse mortgage is a very often a smoother transaction than a forward mortgage.
Kim works very hard to get her clients  terms to increase their income streams in their retirement years. Her relationship extends well beyond the closing of the loan and she makes herself available to clients and Realtors in ways that go above and beyond what I have seen others
do in this industry.
You are in the best of hands when working with Kim and her team!

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

Joseph G.

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 the program since we have been recently married. In the course of getting thru underwriting, we came across a few hurdles. Josh and the rest of the people at MLS were always willing to guide us thru and we always spoke with a person. If they were tied up, they were prompt at returning our call. By the way, we shopped for rates and competitive closing cost and they did that best too. No fishing, just a good deal right from the start. If you haven’t figured it out, I would wholeheartedly recommend MLS Mortgage. They do business the right way!

Ken M.

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!

Kari Lindsey

I know how rare this kind of genuine caring really is

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 looking for more options. As a Realtor, I know how rare this kind of genuine caring really is.

Jolynne Ash
Principal Broker at Berkshire Hathaway HomeServices Northwest Real Estate

I would recommend Kim highly

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 house, so he could stay home safely. Before jumping to a reverse mortgage, she offered options to ensure reverse mortgage was the best way to finance their needs. Her team is very knowledgeable, very responsive and compassionate. I would recommend Kim highly.

Liz Mansfield Fischer

Professional, Informative and Timely

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 neighbors.

Chuck O.

He took the time to explain everything to me

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 the process. In the end, I am grateful for the knowledge gained, the time spent, and the peace of mind, knowing that Adrian got me the best loan for my situation. I would highly recommend Adrian to anyone due to his honesty, passion, knowledge, and experience.

David B

Top Notch Professional

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 us through this process.

Frank C

Best Source of Financial Information

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 impressed!

Tom A.

True Professional

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 need.

Vince Baker

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 through the many phases of securing a reverse mortgage. From the initial informational meeting that she offers to the community, to the closing of the mortgage, we couldn’t have been more pleased. She explains everything that is happening until the magical day you get the call from Shawna saying “it went through” yeah! We are more than happy with our decision to go with a reverse mortgage. We highly recommend Shawna as the “go to” person if you want a reverse mortgage. Thank you Shawna.

Judi Bannister