American Advisors Group Wholesale

The wholesale division of AAG is dedicated to educating mortgage brokers and bankers, credit union lenders, community bankers, and other financial services professionals on how to leverage reverse mortgages as a strategic financial planning tool for their senior clients.

Learn about the evolution of the HECM loan.

Help Your Customers Fund Their Retirement

American Advisors Group (AAG) is the leader in reverse mortgage lending, specializing in reverse mortgage loans since 2004. Our wholesale division works closely with mortgage professionals, community bankers, credit unions and retirement planners to help senior homeowners convert a portion of their home equity to fund long-term retirement plans, allowing them to age in place. With a trusted and well-recognized brand in the industry, proven tools and support, our mission in wholesale reverse mortgage is to attain the highest level of borrower and professional partner satisfaction. HECM reverse mortgages have helped over a million seniors comfortably age in place. Learn more about how these products can help your customers fund the retirements they have worked so hard to achieve.

Fixed & Adjustable Rate Reverse Mortgages

A fixed rate reverse mortgage loan offers a single lump sum disbursement, and a consistent, fixed interest rate over the life of the loan*. An adjustable rate reverse mortgage has an interest rate based on the one-month LIBOR index. Multiple payment plans are available to suit borrowers’ needs such as:

  • Term: Fixed monthly payment for a set number of years
  • Tenure: Fixed monthly payment for the lifetime of the loan*
  • Growing Line of Credit (LOC): An established amount of money set aside for future draws when borrowers need it


HECM for Purchase

Designed to assist seniors to buy their next home, using a reverse mortgage:

  • Replaces traditional mortgage to finance a new home
  • Down payment is obtained from the sale of current home (or other savings and assets) and combined with reverse mortgage
  • No monthly mortgage payments (borrower is still responsible for continued payment of property taxes, homeowner’s insurance, maintenance and applicable HOA fees)


Jumbo Reverse Mortgage Loan (HomeSafe)

With HomeSafe, your borrowers will have access to these great features:

  • Tap into more equity on high-value properties
  • Fixed interest rate
  • Access to all loan proceeds in one lump sum
  • No mortgage insurance required
  • No monthly mortgage payments (Borrowers must continue to pay property taxes, homeowner’s insurance, and home maintenance costs.)

Partner with Experience

Nobody knows the reverse mortgage space like AAG, a leading nationwide provider of home equity solutions for retirement. As an AAG-approved wholesale partner, you’ll enjoy unlimited support to help your clients realize a better retirement:

  • Hands-on training to support your sales team’s development.
  • Customizable and compliant materials through our Wholesale marketing portal, available to you 24/7.
  • Access to legal and compliance review for marketing materials.
  • A dedicated Lender Support team to navigate your loans from submission through funding.
  • Access to a suite of proprietary home equity solutions.
  • Access to AAG’s Concierge Experience (ACE), our internal team of processing experts to help you every step of the way.
Wholesale AAG

What is a Reverse Mortgage Loan?

A reverse mortgage loan helps provide greater financial security to over a million seniors in the U.S. Find out why today’s savvy financial service professionals utilize reverse mortgages to help retirement-aged clients improve their financial futures. To learn more about reverse mortgages, read through the following commonly asked questions–and consider adding this secure and viable financial planning tool to your portfolio of products.


An FHA reverse mortgage is a government-insured loan for senior borrowers age 62 and older. This financial tool allows the borrower to access a portion of home equity and convert it into cash to utilize proceeds for however he/she sees fit. Common uses include paying for medical bills or other debt, home repair and improvements, traveling and supplementing your client’s retirement portfolio, among others. For more in depth reverse mortgage information, visit our "What is a reverse mortgage?" page.

The length of the reverse mortgage loan is partly determined by the disbursement option chosen, and funds can be disbursed in a number of ways. Proceeds may be provided through:

  • A full or partial lump sum
  • A growing line of credit
  • Monthly payments (tenure or modified tenure plans available)
  • Combination of any of these.

The choice is ultimately your client’s, but your American Advisors Group partner will educate you on how to guide your client through the disbursement option that is best suited for your client’s situation.

  • Borrower’s age (must be 62 years or older)
  • Appraised value of home
  • Current reverse mortgage interest rates
  • Mortgage balance

  • Borrowers won’t owe more than the value of their homes.
  • As long as the borrower complies with the loan terms, he/she doesn’t have to make payments on the loan.
  • With a reverse mortgage loan, the borrower will not lose Social Security or Medicare benefits.
  • Reverse mortgages afford borrowers greater financial freedom and control, providing them the dignity and security they deserve.

To qualify for a reverse mortgage, borrowers must be at least 62 years of age, own their home and occupy it as their primary residence (among other requirements). If they have equity in their homes and are looking for additional income, a reverse mortgage can provide the funding needed to allow them to stay in their homes.

This is a popular misconception. When used wisely, a reverse mortgage can be a very powerful, viable and strategic financial tool. There is no better product more readily available to the senior population in terms of supplementing retirement, balancing a portfolio and managing retirement risks. However, the reverse mortgage should be evaluated based on the borrower’s particular needs and financial background. Your AAG reverse mortgage partner can help guide you through your client’s specific situation.

We at American Advisors Group pride ourselves on our thoroughness and the personal relationships we build with our partners and borrowers. As the established leader in the industry, our proven and unique sales and marketing processes and comprehensive training program position us, and our partners, for sustained growth and success. The foundation of who we are and how we behave is based in three core values that our partners have come to expect when working with us: caring, driven and ethical. Caring for our partners and customers. Driven to provide superior customer service. Ethical in how we conduct our business every day. These core values define who we are and how we behave.

With a reverse mortgage, there are no monthly mortgage payments as long as property taxes, insurance and maintenance are continued to be paid. Many seniors are resistant to the idea of selling the home they’ve lived in for years. That’s why a reverse mortgage is a convenient solution. Your client can stay in his or her home that they are comfortable living in while enjoying an additional revenue stream to cover health care costs or other expenses.

Call us today: (866) 964-1109

For industry professionals only – not intended for distribution to the general public.

American Advisors Group, NMLS #9392, headquartered at 18200 Von Karman Ave., Suite 300, Irvine, CA 92612.

News & Updates

Senior Housing at Record High

Homeowners 62 and older saw their housing wealth grow by 3.98 percent or $405 billion in the fourth quarter to a record $10.6 trillion from Q3 2021, according to the latest quarterly release of the NRMLA/RiskSpan Reverse Mortgage Market Index. Read more…

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AAG Appoints Robinson as Acting President and COO

American Advisors Group (AAG), the leading reverse mortgage lender in the United States, has appointed mortgage industry veteran Ed Robinson to the position of acting president and chief operating officer (COO). Read more…

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Why the Personal Touch is Important for Borrowers

There are many mortgage lenders operating nationally which operate off of successful wholesale lending models, some of which have the resources to advertise phone numbers attached to centralized call centers. Read more…

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