1,401,176 HECM reverse mortgages insured by FHA since 1989.
Your reverse mortgage options in about 2 minutes. No Social Security number or credit check.
Reverse mortgage guide
ZYNG Mortgage is a mortgage broker, so we can compare reverse mortgage programs from more than one lender instead of offering just one. We've been serving homeowners since 2003, and our President still personally helps clients with reverse mortgages. We explain every number, put HECM and jumbo options side by side, and tell you when a reverse mortgage isn't the right fit. You work with a licensed loan officer from your first call to closing.
For reverse mortgages, here is what you can expect from us.
A bank or a direct lender can offer you its own reverse mortgage. That's it. If its loan isn't the best fit for your home and your plans, you may never hear about the one that is.
ZYNG Mortgage is a mortgage broker. We work with a group of wholesale lenders, so we can put more than one option on the table:
I'd rather show you two or three choices side by side than hand you one and hope it fits. On a lot of homes, a HECM and a jumbo loan can look very different, and the difference is worth seeing before you decide.
Years ago I wrote that our clients shouldn't learn anything new during their counseling session. I still believe it.
By the time you meet with your HUD-approved counselor, sit down with an appraiser, or sign at the closing table, you should already understand:
If you can't explain your own reverse mortgage to your kids in a couple of minutes, I haven't done my job yet.
Reverse mortgages have a reputation for being confusing. They don't have to be. I'll explain the loan in plain English and in writing.
That includes the parts that aren't fun to hear. If selling, downsizing, a HELOC, or simply waiting makes more sense for you, I'll say so. A reverse mortgage is a tool. It's great for some jobs and wrong for others. See Reverse Mortgage Pros and Cons.
You work with a licensed ZYNG Mortgage loan officer from your first call to your closing. You can look up any of us, and our licenses, on Find a Loan Officer and our Licensing page.
Our processing team works alongside your loan officer, so your file doesn't get passed around between strangers.
HUD allows lenders to charge a monthly servicing fee on a HECM. ZYNG chooses not to charge one on our HECMs. Some proprietary programs do charge one, and I'll tell you up front if yours does. See Reverse Mortgage Costs.
If FHA's review calls for a second appraisal, ZYNG often covers the cost. If your credit history has a few dings, we'll work with you to explain them the right way in the financial assessment. Most of the people we work with get through it without a set-aside.
If you're buying your next home with a HECM for Purchase, we can generally close in 30 days or less, but we always follow your contract.
Bring your spouse, your children, your financial advisor, or your attorney into the conversation. I encourage it, and so does HUD-approved counseling. A reverse mortgage affects your whole family, so the more people who understand the plan, the better.
If you're married and your spouse won't be on the loan, I'll make sure you both understand what happens to them later. See the Non-Borrowing Spouse guide.
ZYNG Mortgage has been serving homeowners since 2003. I started in the mortgage business in 2002, and reverse mortgages have been the center of my work almost the whole time. For years, our reverse mortgage work ran under the name MLS Reverse Mortgage, and a lot of the guides on this site started as articles I wrote there. Learn more about ZYNG Mortgage.
A reverse mortgage has no required monthly mortgage payments. You must continue to pay property taxes and homeowners insurance, maintain the home, and meet the other loan terms. You also need to live in the home as your primary residence. I'll make sure those responsibilities are clear before you ever apply.
You can read reviews from real clients, shown exactly as they wrote them, on our Client Reviews page.
Start with the numbers. Get your estimate, start your reverse mortgage review, or call us at 530-888-6000. We'll look at your options together, and you decide from there.
New to all this? Start with the Reverse Mortgage Guide or How a Reverse Mortgage Works.
ZYNG Mortgage, Inc., NMLS #76801. A reverse mortgage has no required monthly mortgage payments and uses your home's equity. Fees, mortgage insurance and other costs can be added to the loan balance, and the balance grows over time as interest is added, so your equity typically decreases. When the loan becomes due, the home may need to be sold, or the loan repaid from other funds. Interest is not tax-deductible until it is paid, in part or in full. You keep title to your home and must keep paying property taxes, homeowners insurance and upkeep, and meet the other loan terms; not doing so can make the loan due and could lead to foreclosure.
This material is not from HUD or FHA and was not approved by HUD or a government agency.
HECM count at the top of this page: HUD data through September 2026 (source, opens in a new tab).
