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  • How to make the loan process go faster
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  • Reverse Mortgage Process
  • Enhance your financial security

Welcome to Mortgage Linc, your Birmingham, Alabama Reverse Mortgage website!

Mike Giles from Birmigham, Alabama is Alabama's number one Reverse Mortgage Specialist. Mike will guide you step by step to help you fully understand the Reverse Mortgage process. Mike Giles has years of experience and has helped hundreds of people, like you, get control of thier financial future. Mike understands all the difficulties in a Reverse Mortgage and is a specialist in the state of Alabama. He will make things easier and quicker, unlike anyone else in the Reverse Mortgage Industry.

Click to here to read about the Reverse Mortgage Process.

"I personally will work with you and your family to cover all the areas you don't understand. I am licensed in the state of Alabama in the areas from Birmingham,
Gardendale, Trussville, Cullman, Huntsville, Tuscaloosa, Montgomery and Hoover.

Understanding is the key, when it comes to Reverse Mortgages in Alabama. If you do not understand the process, it is easy to get confused and lose all the benefits that a Reverse Mortgage can give you and your family. Our Website is constantly changing and so is the Reverse Mortgage Laws in Alabama. We won't bore you with the changing laws, but we will inform you of anything that can help you secure the future you want. We will be glad to talk to you and there is absolutely no pressure! Please call us or fill out the form on our website. Let us explain the benefits and educate you for free! You might be surprised about the amount of financial freedom you already have."

Click to here to read about to read FAQ about Reverse Mortgages.

Reverse Mortgages Explained

AA Home Equity Conversion Mortgage (HECM), commonly known as a reverse mortgage, is a Federal Housing Administration (FHA) insured loan which enables you to access a portion of your home’s equity to obtain tax-free1 funds without having to make monthly mortgage payments.2 If you are 62 years of age or older and have sufficient home equity, you may be able to get the cash you need.

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Am I Eligible for a Reverse Mortgage?

To be eligible for a Reverse Mortgage, the youngest borrower must be at least 62 years of age, you must live in your home as your primary residence and have
sufficient equity, be able to pay off your existing mortgage using the Reverse Mortgage funds loan proceeds and live in a single family, two to four unit4 owner-occupied home, townhouse, approved condominium or manufactured home

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How Much can I Get?

Borrowers may access a minimum of 60 percent of the principal limit amount for the first 12 months after loan closing. Borrowers may be eligible to access an additional 10 percent, subject to additional HECM requirements, of the principal limit amount for the first 12 months after loan closing.

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Enhance your financial security


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MORTGAGE LINC LLC NMLS #203649 2131 Data Office Dr. SUITE 240 BIRMINGHAM, AL 35244
PHONE: 205-987-2350 FAX: 205-987-2350 E-MAIL: MGILES@MORTGAGELINC.NET