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7 min read·June 10, 2026

The Reverse Mortgage Lenders I Work With: National Products, Local Service

When you work with me, you get the best of both worlds: access to the loan programs of leading national reverse mortgage lenders, delivered by a local specialist you can actually sit down with. I'm an independent California broker — not a call center and not tied to a single company's products. That means I can compare programs across multiple national lenders and match you to the one that fits your home, your age, and your goals.

Written by Miguel A. Vazquez

California Reverse Mortgage Specialist · NMLS #401212 · 20+ years experience

Licensed CA Broker

Jump to What "Approved With National Lenders" Means for You

Quick Answer

I'm an independent, California-licensed reverse mortgage broker (Miguel A. Vazquez, NMLS #401212) approved to originate loans with several of the largest and most established national reverse mortgage lenders, including Mutual of Omaha, Finance of America, Longbridge Financial, Liberty Reverse Mortgage, Nationwide Equities, and American Senior Lending (formerly HighTechLending). Because I broker to multiple lenders rather than selling one company's product, I can compare programs on your behalf — national-lender products with local, one-on-one service.

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Instant answers pulled from our guides · not personalized advice

What You'll Learn

1What it means that Miguel is approved with leading national reverse mortgage lenders
2The specific lenders he's currently approved to originate with
3Why a broker can compare programs a single lender can't
4How national-lender access pairs with local, personal service
5The Southern California areas he serves from Downey

Approved with leading national lenders

Mutual of OmahaFinance of AmericaLongbridge FinancialLiberty Reverse MortgageNationwide EquitiesAmerican Senior Lending

Independent California broker (NMLS #401212) — authorized to broker these lenders' products, but not affiliated with, sponsored by, or endorsed by them. Lender names and trademarks belong to their respective owners; approvals can change over time.

National Lender Access, Local Neighbor Service

Most people think they have to choose between a big national lender and a local advisor. With a broker, you don't. I bring the loan programs of major national reverse mortgage lenders to the table, but you deal with one person — locally, in plain language, in English or Spanish — from the first call through closing. National products, personal service: that's the whole idea.

What "Approved With National Lenders" Means for You

Being approved to originate with a lender means I'm authorized to package and submit your loan to that lender's wholesale division. Working with several of them gives you real, practical advantages:

I can compare programs, rates, and terms across multiple lenders instead of pitching one product
If one lender's guidelines don't fit your situation, I can turn to another
You make one phone call to me instead of shopping a half-dozen companies yourself
For proprietary and jumbo programs, where lenders differ the most, comparison shopping matters even more

Lender approvals and program availability can change over time. The right program depends on your specific situation — a free, no-obligation review is the best way to see your actual options.

The Reverse Mortgage Lenders I'm Approved With

I'm currently approved to originate reverse mortgages with several of the largest and most established national lenders in the industry:

Mutual of Omaha
Finance of America
Longbridge Financial
Liberty Reverse Mortgage
Nationwide Equities
American Senior Lending (formerly HighTechLending)

I am an independent broker. I am not affiliated with, sponsored by, or endorsed by these lenders, and all company names and trademarks belong to their respective owners. This list reflects current approvals and may change over time.

Why a Broker Beats a Single-Product Call Center

A direct lender or national call center can only offer that one company's products. If their guidelines or pricing don't fit you, your options end there. As a broker, I shop the wholesale market across multiple lenders — so the question stops being "do you qualify for our product?" and becomes "which of these programs fits you best?" That difference is especially valuable for higher-value California homes that may benefit from a proprietary jumbo program, where lender terms vary widely.

Working with a broker doesn't cost you extra to access multiple lenders. Origination fees on an FHA HECM are capped by HUD regardless of who originates the loan.

Local Service Across Southern California

I'm based in Downey and serve homeowners throughout Southern California — Los Angeles County, Orange County, the Inland Empire (Riverside and San Bernardino), and San Diego County. You can meet in person or handle everything by phone and secure document upload, whichever you prefer. Either way, you work directly with me, a licensed local specialist — not a rotating cast of strangers at a national hotline.

How to Get Started

The first step is a free, no-pressure conversation. I'll learn about your home and your goals, then compare programs across the lenders I work with and walk you through real numbers — in English or Spanish. There's no obligation, and you'll come away understanding your options clearly.

Key Takeaways

✓Miguel is an independent CA broker (NMLS #401212), not a single-product call center.
✓He's approved with major national lenders including Mutual of Omaha, Finance of America, Longbridge, Liberty, Nationwide Equities, and American Senior Lending.
✓A broker compares programs across lenders; a direct lender offers only its own product.
✓He's independent — not affiliated with or endorsed by these lenders.
✓National-lender products with local, one-on-one service across LA, OC, the Inland Empire, and San Diego.

Frequently Asked Questions

Which reverse mortgage lenders do you work with?

Answer

I'm approved to originate reverse mortgages with several leading national lenders, including Mutual of Omaha, Finance of America, Longbridge Financial, Liberty Reverse Mortgage, Nationwide Equities, and American Senior Lending (formerly HighTechLending). As an independent broker, I compare their programs to find the best fit for you. Approvals can change over time.

Are you affiliated with or endorsed by these lenders?

Answer

No. I am an independent, California-licensed mortgage broker (NMLS #401212). I am authorized to broker these lenders' products, but I am not affiliated with, sponsored by, or endorsed by them. Their names and trademarks belong to their respective owners.

Why work with a broker instead of going straight to a national lender?

Answer

A national lender or call center offers only its own products. As a broker, I shop multiple wholesale lenders and compare programs, rates, and guidelines on your behalf — and you get local, one-on-one service instead of a national hotline. If one lender isn't a fit, I can turn to another.

Does working with a broker cost more?

Answer

No. You typically don't pay extra just to access multiple lenders through a broker. On an FHA HECM, the origination fee is capped by HUD regardless of who originates the loan (proprietary jumbo programs aren't HUD-capped, so terms vary by lender). My role is to compare programs and find a competitive fit for your situation.

What areas do you serve?

Answer

I'm based in Downey and serve homeowners across Southern California — Los Angeles County, Orange County, the Inland Empire (Riverside and San Bernardino), and San Diego County. I can meet in person or work entirely by phone and secure upload, in English or Spanish.