Every FHA-approved HECM lender uses the same HUD principal limit factor tables, so the loan math doesn't vary by lender the way rates might. What actually separates a strong HECM lender is transparency, willingness to include family in the process, and genuine encouragement of the required HUD counseling — not avoidance of it.
Not a call center rotation. A named licensed advisor who answers questions before and after closing.
A trustworthy advisor treats the required counseling session as valuable, not an obstacle to rush past.
Adult children and family should be welcome on calls, not discouraged from asking questions.
A Loan Estimate you can actually compare against other lenders in writing, not just a verbal pitch.
HUD principal limit factors are the same nationwide, so the core loan calculation doesn't vary by lender size.
A weeks-long process involving an emotional financial decision benefits from direct, personal access — not a rotating call center.
Florida-specific property, insurance, and tax questions are easier to navigate with an advisor who works in this market daily.
Ask us for a written estimate and compare it directly against any other lender's quote.
See the Full Reverse Mortgage Guide →Private consultation with Kelly or Ray Nadeau. Ask us anything, bring your family, get a written estimate — no obligation.
📞 321-321-9455 · Kelly Nadeau NMLS #1027618 · Ray Nadeau NMLS #1027617