Our Mortgages 
01 Reverse Mortgage Application
The Reverse Mortgage application process can be complicated, but with Value Financial, we make it simple. Start by filling out the application right on this site. It only takes a minute of two and you are on your way.
02 Reverse Mortgage Counseling
Government Sponsored and Regulated Reverse Mortgage Counseling is there to protect the consumer. Every Reverse Mortgage applicant must be counseled by a trained Reverse Mortgage Counselor.
03 FHA Appraisal of your Property
After completing counseling, you move onto the appraisal of your property. An independent appraiser will inspect your home and compare it to other recent sales in your neighborhood. After a thorough analysis, they make a professional opinion of your home's current value.
04 Closing and Funding
Once your Appraisal is done, we finish your file in our office, processing and underwriting it for accuracy to the FHA and HUD guidelines. Once we have determined that everything is in order, we issue a "clear to close". Closing is a 1 hour process in the place of your choosing. We fund your Reverse Mortgage after the mandatory 3 day waiting period known as a "recession period". The recession period provides a 3 day period where you can decide to cancel your Reverse Mortgage by notifying the lender by registered mail.
05 Peace Of Mind!
After your Reverse Mortgage has funded you will have new peace of mind that you may have never experienced before. Studies have shown that a Reverse Mortgage actually increases the lifespan of the average person due to lower stress levels.
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