Your partner in home financing for every stage of life whether it’s the thrill of purchasing your first home or tapping into the equity you’ve built to create new opportunities. At American Senior, we combine personalized guidance with exceptional service to help you move forward with confidence, and our EquitySelect loan brings you the next evolution in home financing.
At American Senior Lending, we understand that as life evolves, so do your financial needs. That’s why we offer a wide range of mortgage products designed specifically for senior homeowners.
At American Senior Lending, we pride ourselves on providing superior customer service. Our licensed loan officers are specifically trained to work with older homeowners, ensuring you receive the attention and care you deserve. Whether you prefer modern convenience or traditional face-to-face meetings with paperwork, we’re here to accommodate your preferences and make the process simple and stress-free.
We understand the challenges senior homeowners face, from accessing equity to navigating complex loan options. Unlike traditional lenders focused on transactions, we take the time to listen and recommend sustainable solutions that align with your goals.
Tailored Loan Products to Meet Your Needs.
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We understand that you may have questions about our loan products and services. To help you get the information you need quickly, we’ve compiled a list of the most frequently asked questions. Browse through the answers below or contact our team for further assistance.
HighTechLending Inc, doing business as American Senior Lending is an Equal Housing Lender, NMLS ID #7147 (www.nmlsconsumeraccess.org)
2030 Main Street, Suite #500, Irvine, CA 92614.
DISCLAIMER:
HighTechLending, Inc. is an Equal Opportunity Lender, acting under the following trade names: American Senior and American Senior Lending. NMLS: #7147, 2030 Main Street, Suite #500, Irvine, CA 92614. Licensed in Alabama under the Alabama Consumer Credit Act “Mini Code”; AZ Mortgage Banker License # 0912577; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #4130937; Loans made or arranged pursuant to the California Financing Law; CO Mortgage Company Registration – Regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee, License #53077; FL Mortgage Lender Servicer License #MLD1409; HI Mortgage Loan Originator Company License and Service License #HI-7147; ID Mortgage Broker/Lender License # MBL-2080007147; IL Residential Mortgage License # MB.6761112, IL Division of Banking Commissioner: 555 West Monroe Street, 5th Floor, Chicago, IL 60661, (888) 473-4858; NC Mortgage Lender License #L-165611; NJ Residential Mortgage Lender License, Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company License #4517; OH Residential Mortgage Lending Act Certificate of Registration #RM.805365.000; OR Mortgage Lending License #ML-4386 and Servicer License #MS-139; Rhode Island Licensed Lender and Rhode Island Licensed Loan Broker; SC Mortgage Lender/Servicer License #MLS-7147; UT Residential First Mortgage Notification and Mortgage Entity License #8874117; Virginia Broker and Lender Licenses #MC-5962.
EquitySelect is a home equity line of credit (HELOC) mortgage loan. Monthly payments may not cover all accrued interest, and unpaid interest is added to the balance, resulting in a balloon payment at the end of the term or upon payoff. There is a required minimum initial draw of $75,000 or 50% of the credit line for 1st-liens (80% for 2nd-liens), whichever is greater. The draw period lasts seven years for 1st liens (five years for 2nd liens) and no additional draws can be made after that. Interest Rate is based on Secured Overnight Financing Rate (SOFR) Index + Margin (APR). APR excludes loan fees, points and similar charges relating to opening, renewing, or continuing the account.
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Eric is a distinguished leader in the mortgage industry, with over 22 years of experience and 16 years focused on reverse mortgages for seniors. As Vice President of Consumer Direct at Reverse Mortgage Funding (RMF), he built and led a top-performing sales team of 90+ mortgage loan officers, securing RMF’s position as a top three lender and servicer monthly. Simultaneously, he co-led a retail team of 125+ outside originators, further expanding RMF’s market dominance.
Before RMF, Eric propelled Liberty Reverse Mortgage (formerly Genworth Financial) to the number one reverse mortgage retail lender in the nation by establishing a 100+ employee call center and managing 90+ nationwide loan originators.
Eric plays a pivotal role in marketing, enhancing referral partnerships, direct-to-consumer initiatives, and wholesale efforts through his leadership. His success is driven by data and performance tracking. Licensed in 11 states and a California Department of Real Estate Broker, Eric’s proven track record of leadership and innovation is poised to attract significant investment opportunities.
