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Review Counsel is affiliated with Mutual of Omaha Mortgage and Retirement Funding Solutions, and recommends them for their deep experience, customer service, and borrower reviews.

American Senior

Review Counsel Rating

3.3 | ★ ★ ★

About American Senior

American Senior Synopsis 

Review Summary: Bringing 13 years of reverse mortgage experience, American Senior has established a solid reputation among its borrowers. The American Senior reverse mortgage process is handled entirely online, including underwriting.  

Recommended for: American Senior might be a good option for those who are 62 and older, looking to begin the reverse mortgage loan process, live in one of the states that American Senior services, and is comfortable with an online loan process.  

how to qualify for reverse mortgage refinancing

What is a Reverse Mortgage? 

A Reverse Mortgage is also known as a Home Equity Conversion Mortgage (HECM). It is a financial tool available to seniors who are at least 62 years of age. It allows them to cash-in on the equity in their homes without having to sell their home. A Reverse Mortgage can also be used to purchase a new home. This is known as a HECM for Purchase. Those who obtain a reverse mortgage are still required to stay current on property taxes, homeowner’s insurance, and any necessary maintenance costs. Read more about Reverse Mortgages here

Pros and Cons of American Senior and HighTechLending  


  • Paperless loan processing with automated underwriting 

  • Free reverse mortgage info kit 

  • High customer ratings 


  • Not available nationwide (see list below) 

  • Reverse mortgage calculators require personal information

American Senior and HighTechLending Reviews

Consumer Review PlatformRating
Better Business BureauA+ Rating; 4.9/5 Stars with 12 Reviews
Customer Lobby 5.0/5 Stars with 45 Reviews 
Google 4.7/5 Stars with 22 Reviews 
Yelp5.0/5 Stars with 3 Reviews
Zillow4.9/5 Stars with 135 Reviews

American Senior Full Review 


American Senior has been originating reverse mortgages for 13 years. It is the DBA for HighTechLending. In addition to reverse mortgages, HighTechLending also originates conventional mortgages.  

American Senior is highly rated among its customer base, but it does not have customer ratings on websites such as Trustpilot and the Better Business Bureau, even though it is BBB accredited with an A+ rating.  

It is not available nationwide. If you are interested in working with American Senior, be sure to check the list below to make sure your state is included. 

American Senior offers all the standard reverse mortgage loans for those who are 62 years of age and older.  

It specializes in offering a fast online loan process that is completely paperless with underwriting that is automated. This gives American Senior the ability to process loans faster compared to many other lenders.  

It claims to offer competitive pricing and exceptional support.  

The American Senior website has limited information about requirements, fees, and the expected loan process.  

The HighTechLending website is much more transparent. It clearly describes the requirements, pay-out options, loan obligations, and fees. However, it does not clearly describe the reverse mortgage process borrowers can expect from the lender.  

American Senior Loan Options 

The loans offered include:  

  • Home Equity Conversion Mortgage (HECM) 
  • HECM for Purchase 
  • Jumbo Reverse Mortgage 
  • Refinancing of existing reverse mortgage  

The following loans are also offered through HighTechLending:  

  • New home loans 
  • VA home loans 
  • 30-year fixed-rate mortgages 
  • 15-year fixed-rate mortgages 
  • Hybrid adjustable-rate mortgages (ARMs) 
  • Adjustable-rate mortgages 
  • 2/1 Buy Down Mortgage 

Company Information 

American Senior has been in business since 2007. It is a DBA for HighTechLending Inc. and is headquartered in Irvine, California.  

American Senior is a direct endorsed lender by the Federal Housing Administration (FHA), Department of Housing and Urban Development (HUD), a direct seller to the Federal National Mortgage Association (FNMA), and ranked among the top 10 reverse mortgage lenders in the country, based on the number of loans originated. 

States Serviced by American Senior and HighTechLending 

American Senior is not available nationwide, but it is available in the following 20 states and the District of Columbia:  

  • Arizona 
  • California 
  • Colorado 
  • District of Columbia 
  • Florida 
  • Georgia 
  • Hawaii 
  • Idaho 
  • Illinois 
  • Maryland 
  • Nevada 
  • New Jersey 
  • New Mexico 
  • North Carolina 
  • Oregon 
  • Pennsylvania 
  • South Carolina 
  • Texas 
  • Utah 
  • Virginia 
  • Washington 

Office Locations 

American Senior and HighTechLending are headquartered in Irvine, California.  

They do not provide a list of the locations of its retail branches.  

Read More About This Reverse Mortgages: 

Reviews last updated: 6/3/24. (Reviews are typically updated monthly.)

Rating last updated: 5/1/24. (Ratings are typically updated once per quarter.)

Our Methodology

Reverse Mortgage companies are evaluated based on six factors that we believe are important for consumers: years in business, number of products offered, customer service availability, state licensing footprint, Better Business Bureau (BBB) Ratings, and the inclusion and functionality of a mobile application. Please find a full description of our ratings system here

This information is intended to be general and educational in nature and should not be construed as financial advice. Consult your financial advisor before implementing financial strategies for your retirement. 

Address: 2030 Main St Suite #350, Irvine, CA 92614

NMLS# 7147

Reviews for American Senior

1.0 out of 5 stars (based on 1 review)
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1 star100%

BIg BIg waste of Time go elsewhere

I have a 835 credit score and mid 6 figure incomeni have never been given the run around more than this companynDon’t waste your timenA real joke

January 24, 2021

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