Why Would You Not Deal with Your Local Broker?
I represent many lenders, including the one you see in TV all the time, but I'm old-fashioned, which means that I'm your only contact, meaning we close in 30 days, you'll also save going with us, and much better customer service experience.
I have been in the Mortgage industry since 2007; I have become an expert in the South for my knowledge of Reverse Mortgages. I love working with seniors and knowing the positive results a Reverse Mortgage can have. Most of my business is based on client referrals, so it is my goal to provide a personal experience from application to closing. I pride myself on going the extra mile to help educate those who may not be aware of the options today with traditional mortgage. Choices range from Conventional, FHA, VA, USDA, Jumbo, HELOCS, HELOANS, and Reverse Mortgages and Reverse Mortgages to purchase a home. Reverse Mortgages today are being used for many different reasons. Such as replacing a loved one’s income, providing a solution to pay for in home care instead of a nursing home, eliminating a current mortgage and payment, or supplementing retirement income or an investment portfolio. SMG Mortgage is a direct lender but unlike many “big banks” and some other lenders we can work with many different investors offering programs for almost any situation, we understand that everyone’s situation is different, and we have the flexibility to meet those needs. Please call me with any questions or for a no hassle illustration. We are in Alabama, Georgia, Tennessee, and Mississippi. Our main office is at 204 Griffin Park Drive Birmingham, AL 35242. If you need a mortgage or just have general financing questions, I would be happy to help you. You can contact me at (205) 908-2993, (256) 677-9767, Scott@SMGmortgage.com, or Scott@ReverseMortgageAlabama.com
What is a Reverse Mortgage?
A reverse mortgage is a loan available to seniors over the age of 62 which allows them to convert equity in their home into cash.
The latest in reverse mortgage news.
5 Psychological Reasons Many Homeowners Resist Reverse Mortgages
5 Psychological Reasons Many Homeowners Resist Reverse Mortgagesby Shannon Hicks. I wanted to bring this to all. It helps explain today’s Reverse Mortgage. Many…
Read the full articleThis is a typical Reverse Mortgage Customer!
These are actual Reverse Mortgage customer scenarios showing how the reverse mortgage proved to be a great solution for them. Reverse Scenario: Larry &…
Read the full articleWhat is a Reverse Mortgage?
I pulled this word by word from the AARP handbook. There are also single-purpose reverse mortgage loans offered by states or local governments —…
Read the full articleServing Alabama Homeowners Since 2007
We serve clients across Birmingham, Huntsville, and beyond, offering in-home consultations in areas like Vestavia, Trussville, Hoover, Leeds, Irondale, Muscle Shoals, Anniston, Gadsden, and Tuscaloosa. We also work with homeowners in Tennessee, Georgia, and Mississippi!
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Reverse Mortgage Alabama was incredibly reliable. From the first call to closing, everything was on schedule and the staff kept me informed. The mortgage consultation was clear and the rates... read more
Paul Young
October 22, 2025I’ve known and worked with Scott Underwood for over a decade and the amount of knowledge and experience he brings to the Reverse Mortgage industry is unmatched.
Chris Salter
October 20, 2025Scott Underwood Was extremely knowledgeable and helpful! Received my reverse mortgage less than a month basically within 2 1/2 weeks I’d say. Highly recommend him!
Flo
April 10, 2025 -
Scott Underwood Was extremely knowledgeable and helpful! Received my reverse mortgage less than a month basically within 2 1/2 weeks I’d say. Highly recommend him!
Flo
April 4, 20255.15.23 Scott Underwood of Reverse Mortgage Alabama was a professional from step #1 to closing. All my questions were fully answered. I feel so secure with this company I will... read more
Betty Clark
May 1, 20245.15.23 Scott Underwood of Reverse Mortgage Alabama was a professional from step #1 to closing. All my questions were fully answered. I feel so secure with this company I will... read more
Betty Clark
May 15, 2023 -
Scott Underwood helped me with my Reverse Mortgage this past December. This could have been a very stressful experience, but he is GREAT at his job and made it as... read more
Jody DuBois
May 1, 2023I used Reverse Mortgage Alabama for my reverse mortgage and I was very pleased. Scott Underwood advised me and kept me informed from the beginning of the application all... read more
Douglas Rush
May 1, 2023Scott Underwood helped me with my Reverse Mortgage this past December. This could have been a very stressful experience, but he is GREAT at his job and made it as... read more
Jody DuBois
April 18, 2023 -
I used Reverse Mortgage Alabama for my reverse mortgage and I was very pleased. Scott Underwood advised me and kept me informed from the beginning of the application all... read more
Douglas Rush
October 4, 2022I highly recommend Mr. Scott Underwood and Reverse Mortgage Alabama. From the first telephone contact until the completion of the loan was only forty one days. Mr. Underwood and... read more
Donna Elliott
May 1, 2022I highly recommend Mr. Scott Underwood and Reverse Mortgage Alabama. From the first telephone contact until the completion of the loan was only forty one days. Mr. Underwood and... read more
Donna Elliott
November 16, 2021 -
Scott Underwood did a great job for us. Very knowledgeable, and professional. Would recommend using him for your reverse mortgage.
Ed Mills
May 1, 2021Scott Underwood did a great job for us. Very knowledgeable, and professional. Would recommend using him for your reverse mortgage.
Ed Mills
September 25, 2020This was a wonderful experience with a positive outcome. It was the grace of God I got in touch with Scott Underwood. From the very beginning, he informed me he... read more
Harriet BBC
May 1, 2020 -
Scott Underwood was very helpful. I would definitely recommend him.
Joan Greene-Fisher
May 1, 2020My name is Wayne Burch. When my family needed help with a solution to care for my mom Scott Underwood at Reverse Mortgage Alabama was fantastic. Scott went above... read more
Kathy Kanarellis
May 1, 2020This was a wonderful experience with a positive outcome. It was the grace of God I got in touch with Scott Underwood. From the very beginning, he informed me he... read more
Harriet BBC
January 23, 2020 -
My name is Wayne Burch. When my family needed help with a solution to care for my mom Scott Underwood at Reverse Mortgage Alabama was fantastic. Scott went above... read more
Kathy Kanarellis
September 30, 2019Scott Underwood was very helpful. I would definitely recommend him.
Joan Greene-Fisher
September 30, 2019The last thing my father said to me before he passed away was to take care of my mother. Scott sat down with my family and we now able... read more
Kelley Entrekin
May 1, 2019
