Welcome to my website designed to help you get to know my process I have developed over the past decade in the Reverse Mortgage Industry.  

Free Reverse Mortgage Analysis - Image

Working with an experienced Reverse Mortgage Specialist like Scott Underwood  can benefit you. Scott is committed to helping seniors and their loved ones fully understand the NEW Safer Reverse Mortgage. Reverse Mortgage Alabama partners with iReverse to make the entire Reverse Mortgage process easier for our clients.

As your broker he can save you thousands by getting you the best rate and the most equity for your home. Please use the above calculator for getting an idea, we offer too many programs, usually I can gather information and find you the right Reverse Mortgage.

Personalized consultations by phone or email.

After answering a few questions, Scott will educate you on pros, cons, benefits, interest rates, advantages, financial planning and the financial assessment; which is part of the new Reverse Mortgage. You will recieve Reverse Mortgage Quotes on several NEW Reverse Mortgage programs. Or if you prefer our office is conveniently located just off Hwy 280 in Birmingham, in the Eagle Point area. Put a face to the name behind the phone. Appointments are available in my Hoover office or I still make house calls to Birmingham, Trussville, Mountain Brook, Pelham, and Chelsea to name a few.

Scott is local which means more than you think, please don’t discount having someone sit face to face, explain what you are signing, and be accountable for what they are telling you. Scott will also attend your closing to ensure there are no additional questions! This will be the one time you will ever think it paid to have a middle man, because of so many top lenders represented!

BBB A+ accredited. Alabama Reverse Mortgage and iReverse adhere to NRMLA code of ethics.
Completely confidential. Full privacy. Not a lead company. Your information will never be sold or shared.
No pressure. Work at your pace, on your time frame. Fast professional processing. 
Highly experienced with over 20 years helping Seniors in central Alabama.
A Reverse Mortgage loan is designed especially for seniors, age 62 and older to gain access to equity in their home for current use, with no monthly payments for as long as you live in the home.**

Get to know the most trusted Reverse Mortgage Company.  Also licensed in most other states. 

Find the solution that fits your needs.

Reverse Mortgages

A reverse mortgage is a home loan that lets homeowners convert a portion of the equity in their home into cash. The equity built up over years of mortgage payments can be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence.


Am I Eligible?

To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance that can be paid off at the closing with proceeds from the reverse loan; and must live in the home.


How Much Do I Get?

The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.


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