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What is a reverse mortgage?

HECM stands for home equity conversion mortgage. Reverse mortgages allow for seniors to release a portion of the home’s equity to eliminate any existing mortgage payments. HECM’s are unique in that there are no monthly mortgage payments required – no other program has this unique feature. 

More than 600,000 seniors have taken out a reverse mortgage loan to improve their retirement, your not alone.

Compare HECM Lenders in PR for free with RMLD – Let us find you the best program.

Seniors in PR qualify for a reverse mortgage if…

  • they are 62 years of age or older
  • own their homes
  • have equity available in the property
  • can afford to pay for the home’s property taxes and insurance
  • have never defaulted on governemnt insured loans

I qualify for the HECM reverse mortgage how does this program improve my retirement?

  • improve your retirement qualify by having access to your equity today
  • no more mortgage payments while you are living in the home
  • interest rates are at all time low’s
  • ability to spend the equity as you wish – no restrictions are placed on the funds
  • no taxes are applied to the equity you release

“There is no other program which allows seniors to access their home’s equity without having payment in retirement.”

How Does the Reverse Mortgage Work in Puerto Rico?

You have worked hard your entire life to build up your home’s equity, insn’t it time that your home paid you back? Well, FHA (Federal Housing Administration) insures the HECM reverse mortgage which allows you to use your home as a tool to fund your retirement.

Many seniors are still having to pay each month a mortgage payment this is seriously impacting the quality of those seniors retirement. What if you could use all the built up equity in your home to generate a new income source, this would greatly improve the quality of your retirement.

This is what the reverse mortgage program was designed for. Seniors are taking advantage of the low interest rate enviroment and the ability to qualify for a reverse mortgage loan without having income or credit scores to meet. There are no payments to be made (you are only responsible for the property taxes, insurance, and home maintanance expenses). It will cost you $0 to find our your options give us a call today.

HUD’s list of approved HECM Counselors in Puerto Rico.
Counseling is mandatory in all states for those who wish to get a HECM loan.

HECM Counseling Agency Roster as of 06/05/2013
(2 records were selected, 2 records displayed.)
Name Agency ID Address Phone Web Site
CCCS OF PUERTO RICO 80509 SUITE GM9
1607 AVENUE PONCE DE LEON
SANTURCE,  PR  00909-1820
(787) 722-8835 www.cccspr.org
ONE STOP CAREER CENTER OF PUERTO RICO 83414 CALLE ANASCO 839, SUITE 5
CONDOMINIO PLAZA UNIVERSIDAD 2000
RIO PIEDRAS,  PR  00925-2450
(787) 765-3235 http://www.onestopcenterpr.org/
AAA CONCORDIA MORTGAGE CORP
176 AVE ANA G MENDEZ
SAN JUAN, PR 00926
SAN JUAN County
Title II
Approval Date: Oct 21, 1980 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 758-1188 FAX Number: (787) 758-2328
E-Mail Address: earana@aaaconcordia.com
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ADVANCE MORTGAGE BANKERS INC
69-1 CALLE 61
BAYAMON, PR 00961
BAYAMON County
Title II
Approval Date: Jan 23, 2007 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 288-3333 FAX Number: (787) 288-1222
E-Mail Address: mtorres@ambipr.com
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COOPERATIVA DE AHORRO Y CREDITO ORIENTAL
350 CARR 3
HUMACAO, PR 00791
HUMACAO County
Title II
Approval Date: Mar 08, 2010 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 852-0964 FAX Number: (787) 850-0605
E-Mail Address: secretaria2@cooporiental.com
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EMI EQUITY MORTGAGE INC
119 AVE BETANCES
BAYAMON, PR 00959
BAYAMON County
Title II
Approval Date: May 13, 2003 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 474-3928 FAX Number: (787) 474-3933
E-Mail Address: ttorres@equitym.com
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EMI EQUITY MORTGAGE INC
1651 AVE PONCE DE LEON
SAN JUAN, PR 00909
SAN JUAN County
Title II
Approval Date: Feb 10, 1987 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 725-1072 FAX Number: (787) 725-2609
E-Mail Address: drodriguez@equitym.com
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FIRST EQUITY MORTGAGE BANKERS INC
322 AVE DE DIEGO
SAN JUAN, PR 00909
SAN JUAN County
Title II
Approval Date: Jul 21, 1999 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 625-2525 FAX Number: (787) 625-2535
E-Mail Address: ymartir@fembi.com
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FIRST EQUITY MORTGAGE BANKERS INC
2906 AVE EMILIO FAGOT
PONCE, PR 00716
PONCE County
Title II
Approval Date: Dec 01, 2010 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 625-2525 FAX Number: (787) 625-2535
E-Mail Address: agustin.rojo@fembi.com
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FIRST SECURITY MORTGAGE INC
97 AVE DE DIEGO
SAN JUAN, PR 00927
SAN JUAN County
Title II
Approval Date: Feb 27, 1992 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 753-0101 FAX Number: (787) 754-2946
E-Mail Address: info@fsmpr.com
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GENERATION MORTGAGE COMPANY
1254 AVE FD ROOSEVELT
SAN JUAN, PR 00920
SAN JUAN County
Title II
Approval Date: Oct 08, 2010 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 781-8821 FAX Number: (404) 995-5401
E-Mail Address: stacey.rayburn@generationmortgage.com
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HISPANIA FINANCIAL SERVICES CORP
AVE MAIN BLQ 51 STE 32 URB
BAYAMON, PR 00969
BAYAMON County
Title II
Approval Date: Apr 16, 2007 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 269-0700 FAX Number: (787) 798-8472
E-Mail Address:
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HISPANIA FINANCIAL SERVICES CORP
66 AVE DEGETAU # A-14
CAGUAS, PR 00725
CAGUAS County
Title II
Approval Date: Apr 05, 2007 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 745-1700 FAX Number: (787) 258-0334
E-Mail Address: luis.rene@hispaniamortgage.com
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HOME MORTGAGE BANKERS
AVE SANCHEZ OSORIO # 3BS5
CAROLINA, PR 00983
CAROLINA County
Title II
Approval Date: Jul 23, 2007 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 769-1496 FAX Number: (787) 776-1001
E-Mail Address: luis.ramirea@homemortgagepr.com
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HR MORTGAGE CORP
M11 CALLE ROBLE
CAGUAS, PR 00725
CAGUAS County
Title II
Approval Date: May 27, 2008 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 704-7407 FAX Number: (787) 747-0912
E-Mail Address: HRODRIGUEZ@HRMORTGAGEPR.COM
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METRO ISLAND MORTGAGE INC
VILLA NEVAREZ PROFESSIONAL CTR
SAN JUAN, PR 00927
ADJUNTAS County
Title II
Approval Date: Nov 12, 1999 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 765-0496 FAX Number: (787) 771-9050
E-Mail Address: ZAMORAVARGAS@AOL.COM
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MONEY HOUSE INC
52 PASEO COVADONGA
SAN JUAN, PR 00901
SAN JUAN County
Title II
Approval Date: Nov 17, 1997 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 725-8000 FAX Number: (787) 977-7798
E-Mail Address: ir@moneyhousepr.com
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MULTIPLES MORTGAGE CORPORATION
307 AVE FD ROOSEVELT
SAN JUAN, PR 00918
SAN JUAN County
Title II
Approval Date: Sep 04, 2007 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 296-3333 FAX Number: (787) 296-3423
E-Mail Address: rvalentin@segurosmultiples.com
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PREFERRED MORTGAGE CORP
1539 CALLE ALDA
SAN JUAN, PR 00926
SAN JUAN County
Title II
Approval Date: Nov 16, 1988 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 641-5500 FAX Number: (787) 474-2870
E-Mail Address: carlos.saltz@preferredmortgagepr.com
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R F MORTGAGE AND INVESTMENT CORP
1148 AVE FD ROOSEVELT
SAN JUAN, PR 00920
SAN JUAN County
Title II
Approval Date: May 04, 1978 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 782-8255 FAX Number: (787) 781-4137
E-Mail Address: INFO@RFMORTGAGE.NET
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RM ACTUAL MORTGAGE INC
167 CALLE MARGINAL N
BAYAMON, PR 00959
BAYAMON County
Title II
Approval Date: Feb 25, 2008 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 217-3737 FAX Number: (787) 778-6876
E-Mail Address: rmenendez@actualmortgage.com
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SENIOR MORTGAGE BANKERS INC
1510 AVE FD ROOSEVELT
GUAYNABO, PR 00968
GUAYNABO County
Title II
Approval Date: Apr 02, 2009 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 622-6262 FAX Number: (787) 523-6273
E-Mail Address: mlevis@seniormortgagepr.com
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SUN WEST MORTGAGE CO INC
METRO OFFICE PARK
GUAYNABO, PR 00968
GUAYNABO County
Title II
Approval Date: Apr 19, 2011 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 522-0244 FAX Number: (562) 924-6057
E-Mail Address: inquiry@swmc.com
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THE LENDING CENTER CORPORATION
G8 CALLE ONEILL
SAN JUAN, PR 00918
SAN JUAN County
Title II
Approval Date: May 20, 2009 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 767-7172 FAX Number: (787) 767-7137
E-Mail Address: wcolon@tlcmb.net
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TRUST MORTGAGE CORPORATION
SAN AGUSTIN
SAN JUAN, PR 00926
SAN JUAN County
Title II
Approval Date: Apr 14, 2010 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 522-7777 FAX Number: (787) 522-7778
E-Mail Address: lcruz@trustmortgagepr.com
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VIG MORTGAGE CORP
I24 AVE BETANCES
BAYAMON, PR 00959
BAYAMON County
Title II
Approval Date: Apr 27, 2012 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 625-8575 FAX Number: (787) 620-8575
E-Mail Address: vgalanjr@vigpr.com
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VIG MORTGAGE CORP
2828 AVE LAS AMERICAS
PONCE, PR 00717
PONCE County
Title II
Approval Date: Jun 03, 2010 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 651-8585 FAX Number: (787) 651-8588
E-Mail Address: erosario@vigpr.com
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VIG MORTGAGE CORP
66 AVE DEGETAU # D9
CAGUAS, PR 00725
CAGUAS County
Title II
Approval Date: Nov 18, 2011 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 653-8575 FAX Number: (787) 653-1234
E-Mail Address: vgalanjr@vigpr.com
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VIG MORTGAGE CORP
1647 CALLE ADAMS
SAN JUAN, PR 00920
SAN JUAN County
Title II
Approval Date: Jun 03, 2010 [81 Areas Approved for Business]
HECM: Yes Originates 203K: No
Telephone: (787) 998-8585 FAX Number: (787) 200-6168
E-Mail Address: vgalanjr@vigpr.com
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VIG MORTGAGE CORP
1225 AVE PONCE DE LEON # BS-J
SAN JUAN, PR 00907
SAN JUAN County
Title II
Approval Date: May 19, 2010 [81 Areas Approved for Business]
HECM: Yes Originates 203K: Yes
Telephone: (787) 200-8585 FAX Number: (787) 200-2825
E-Mail Address: vgalanjr@vigpr.com