Pros and Cons
American Senior Lending pros
- Specializes almost exclusively in reverse mortgages for seniors
- Backed by an established parent company (HighTechLending, Inc.)
- Focused, education-driven approach for older borrowers
- Experience with FHA-insured HECM loans
American Senior Lending cons
- Limited reverse mortgage product variety compared to larger lenders
- Pricing is competitive but not a consistent national leader
- Less appealing for borrowers seeking a fast, digital-first experience
American Senior Lending review for 2026
Overall, American Senior Lending performs best for borrowers who already know they want a reverse mortgage and prefer working with a lender that caters specifically to seniors. Its specialization can feel reassuring if you want a lender that speaks directly to retirement-stage homeowners.
The tradeoff is scale. Compared to larger reverse mortgage lenders, American Senior Lending offers fewer product variations and less pricing leverage nationwide. Borrowers should be prepared to compare offers carefully and ensure the loan structure fits their long-term plans.
See if you qualify for a reverse mortgage. Start herePricing / Cost
Pricing at American Senior Lending generally aligns with reverse mortgage industry norms. Like most reverse mortgage lenders, it does not publicly display current rates, and total costs depend heavily on loan structure, home value, and local market conditions.
Because reverse mortgage costs compound over time, pricing differences, especially in interest rates and fees, can have a meaningful impact on how much equity remains in the home. Borrowers who prioritize cost competitiveness may want to compare offers from higher-volume lenders before deciding.
Lending flexibility
American Senior Lending’s lending flexibility is relatively limited compared to some competitors. The lender primarily offers:
- Standard FHA-insured HECM reverse mortgages
While borrowers can choose from typical reverse mortgage payout options (such as lump sums, lines of credit, or monthly payments), American Senior Lending does not offer as wide a range of proprietary or jumbo reverse mortgage products as some larger lenders.
Trustworthiness
American Senior Lending operates under HighTechLending, Inc., which has been active in the reverse mortgage space for many years. The lender follows federal HECM guidelines, including mandatory counseling requirements designed to protect borrowers.
As with all reverse mortgage lenders, consumer complaints tend to focus on communication clarity and process complexity rather than outright misconduct. Borrowers should take time to review disclosures carefully and understand how the loan affects long-term equity and heirs.
Customer experience
American Senior Lending emphasizes a consultative, education-first borrower experience. Many seniors appreciate working with loan officers who focus on explaining how reverse mortgages work rather than pushing speed or automation.
However, this approach can result in a slower process, and the experience may vary depending on the individual loan officer. Borrowers who prefer a fully digital or self-serve process may find the experience less appealing.
Is American Senior Lending the best reverse lender for you?
American Senior Lending may be a good fit if you’re a senior homeowner who wants a lender focused almost entirely on reverse mortgages and prefers a guided, education-driven experience. It’s best suited for straightforward reverse mortgage scenarios rather than borrowers seeking the widest range of products or the most aggressive pricing.
If flexibility, purchase options, or national pricing performance are top priorities, you may want to compare American Senior Lending with larger reverse mortgage lenders before making a decision.
How The Mortgage Reports scored Senior American Lending
TheMortgageReports evaluates reverse mortgage lenders using a standardized scoring framework focused on four core areas: pricing, lending flexibility, trustworthiness, and customer experience.
Our ratings are designed to reflect the factors that matter most to senior borrowers, including overall affordability, product variety, reputation and regulatory standing, and the quality and consistency of borrower support. Rather than focusing solely on advertised rates, our methodology weighs how well a lender balances cost, options, and service to determine its overall score.
Time to make a move? Let us find the right mortgage for youFAQs
American Senior Lending can be a good option for seniors who want a lender focused almost exclusively on reverse mortgages and who value guidance through the process.
American Senior Lending primarily focuses on standard HECM reverse mortgages. Borrowers seeking HECM for Purchase options may need to look elsewhere.
Rates are generally competitive, but the lender does not consistently rank as a national pricing leader. Comparing offers is recommended.
American Senior Lending is a DBA of HighTechLending, Inc., which is the licensed mortgage lender.
