Reverse Mortgage Alabama

With nearly two decades of experience, I provide a personalized, "concierge-style" approach to reverse mortgages that big-box lenders simply can’t match. Unlike the "assembly line" companies you see on TV, I am your sole point of contact from application to closing. I specialize in closing loans quickly—often within 10 to 30 days—while securing the lowest reverse mortgage rates in Alabama and the Southeast.
 
Why Choose a Local Expert?
Since 2007, I have served as the first and only exclusive reverse mortgage broker in Alabama. My business is built on trust and client referrals, backed by 5-star reviews across Google, Facebook, and Yelp. Whether you are looking to eliminate a monthly mortgage payment, fund in-home care, or supplement your retirement portfolio, I offer expert guidance on every available product:
 
FHA Home Equity Conversion Mortgages (HECM): The gold standard for government-insured reverse mortgages.
 
Proprietary Jumbo Reverse Mortgages: Ideal for high-value homes and condominiums, often featuring lower closing costs and higher proceeds.
 
Reverse for Purchase: Use a reverse mortgage to buy your next home without a monthly mortgage payment.
 
Serving the Southeast
While my main office is in Birmingham, I also cover the entire state of Alabama, including Anniston, Gadsden, Cullman, Tuscaloosa, Hoover, Vestavia, Chelsea, and Helena. I am licensed to provide these specialized products across Georgia, Mississippi, and Tennessee. I offer a true concierge experience—no middleman, no call centers, just expert advice tailored to your financial goals.
 
Ready to See Your Potential Savings?
Use my Free Assessment & Reverse Mortgage Calculator to compare rates, understand the pros and cons, and see how a reverse mortgage compares to a traditional HELOC. I can also assist you in finding a HUD-approved reverse mortgage counselor to ensure you are fully informed.
 

Also, how to qualify for a Reverse Mortgage. Professionals: Realtors, Financial Planners, In-Home Care, Age 55 communities.

 
Contact Me Today for a No-Hassle Illustration:
Phone: (205) 908-2993 | (256) 677-9767
Email: Scott@ReverseMortgageAlabama.com
Office: 204 Griffin Park Drive, Birmingham, AL 35242

Free Assessment

This Reverse Mortgage Calculator has been designed to help take the guess work out of your Reverse Mortgage research. It's quick, it's easy, and the more questions you answer - the more accurate your results
Free Assessment

Scenario Examples

Reverse Mortgages can help you achieve any number of goals that you may have. Check out some examples of how people have benefited from or changed their lives with a reverse mortgage from us.
See Examples

Common Questions

A Reverse mortgage is a loan available to seniors over the age of 62 which allows them to convert the equity in their home into cash. A reverse mortgage can also be used to purchase a home.
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Unlock the Power of Your Home Equity

At Reverse Mortgage Alabama, we help homeowners 55 + above and 62 + above with FHA and older take control of their financial future by leveraging their home equity. The FHA Reverse Mortgage limit for 2026 has increased to $1,249,125.00, providing greater borrowing power than ever before! We are a broker for many large lenders without the overhead! It's worth your time for a 5-minute call to know you have found the best deal, and we offer concierge service and 30-day closings.

REQUEST A FREE ASSESSMENT

Helping Seniors Access Home Equity since 2007

Searching for a Reverse Mortgage can feel overwhelming, but don't worry! We're here to simplify the process for you, ensuring it's as straightforward and hassle-free as possible. Our commitment is to secure the most favorable rates for you. By choosing to work with us you're taking a step towards financial freedom with confidence. Simply fill out this quick form and see if a Reverse Mortgage is right for you. Working with your local lender, with 19 years of experience and the ability to use a choice of the best Reverse Mortgage lenders, can help you save money and close quickly. Serving Birmingham, Huntsville, Mobile, Tuscaloosa, and all of Alabama!

How much do you qualify for?

No Obligation. No Credit Check.

55+

Products for ages

15-30-DAY

average closing

100%

customer satisfaction rate


Senior couple looking at laptop

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.

LEARN MORE

The latest in reverse mortgage news.

Flexible Financial Tool for Alabama Retirees: Reverse Mortgages

Flexible Financial Tool for Alabama Retirees: Reverse Mortgages. The home isn’t just a place of memories—it is also their single largest financial asset. As…

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The Reverse Mortgage Line of Credit Most People Don’t Understand

Most retirees hear the words “reverse mortgage” and immediately think of a last resort — something people use only when they’ve run out of…

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Why More Seniors Are Facing Financial Shortfalls

A recent news story highlighted something many of us in the reverse mortgage industry are already seeing firsthand: more senior homeowners are running out…

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Serving 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!

 

  • tough situation to qualify Scott knows how to get it done

    TFP Vo1d Avatar TFP Vo1d
    March 17, 2026

    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 Avatar Paul Young
    October 22, 2025

    I’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 Avatar Chris Salter
    October 20, 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 Avatar 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 Avatar Flo
    April 4, 2025

    5.15.23 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 Avatar Betty Clark
    May 1, 2024

  • 5.15.23 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 Avatar Betty Clark
    May 15, 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 Avatar Douglas Rush
    May 1, 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 Avatar Jody DuBois
    May 1, 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 Avatar 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 Avatar Douglas Rush
    October 4, 2022

    I 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 Avatar Donna Elliott
    May 1, 2022

  • I 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 Avatar 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 Avatar Ed Mills
    May 1, 2021

    Scott Underwood did a great job for us. Very knowledgeable, and professional. Would recommend using him for your reverse mortgage.

    Ed Mills Avatar Ed Mills
    September 25, 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 Avatar Kathy Kanarellis
    May 1, 2020

    This 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 Avatar Harriet BBC
    May 1, 2020

    Scott Underwood was very helpful. I would definitely recommend him.

    Joan Greene-Fisher Avatar Joan Greene-Fisher
    May 1, 2020

  • This 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 Avatar 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 Avatar Kathy Kanarellis
    September 30, 2019

    Scott Underwood was very helpful. I would definitely recommend him.

    Joan Greene-Fisher Avatar Joan Greene-Fisher
    September 30, 2019

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