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Texas Reverse Mortgages are our specialty. 1st USA Reverse Mortgage/The Valdez Group is not here to sell you products. We are here to help you find solutions to your needs. We understand that any Reverse Mortgage is a big decision and should not be taken lightly. Our first priority is to educate and to find the right program to fit your needs and one that will benefit you for the future.

A Home Equity Conversion Mortgage (HECM’s), also known as Reverse Mortgages are federally-insured and backed by the U.S. Department of Housing and Urban Development (HUD). HECM loans can be used for any purpose.
Many financial advisors are recommending the Reverse Mortgage program to homeowners age 62 and older as a successful retirement planning tool. Here are a few ways to structure your pay options.

You can choose to take money as a lump sum or receive monthly disbursements that can be used to pay for living expenses. By doing this, your other investments or benefits will have more time to grow in value before accessing them.
You can also start a line of credit without withdrawing any money. With the line of credit, the available money increases in value over time giving you more money available to access in the future. The amount of money available can even exceed the value of your home and is not affected by changing home values.
We think every homeowner should consider getting a home equity conversion mortgage line of credit as soon as they turn 62. This great financial tool gives peace of mind in safeguarding your financial future.