It was a month for the record books in the TPO Division.  The team total of 61 loans and $17 Million in volume was the result of a year of hard work and dedication of the sales staff.   Individual records were also set with Iona Osment doing 23 loans herself for over $6 Million and Ed Snyder doing 18 loans for $5.2 Million.

We would not have been able to achieve such heights without the support of our operations staff, most notably Justine Van Sickle who processed 33 loans for TPO, as well as the Marketing Department that keeps our phones ringing with new brokers daily to close more loans.  Thank you for all that you do!

Richard Walker, Vice President of Wholesale


Congratulations HTL Reverse for another successful month!

Major kudos to all of us!

  • Our telemarketers and transfer agents for screening calls and setting up great leads to the sales floor
  • Processing, Underwriting, and Closing for moving our pipeline and doing an AMAZING job getting even impossible loans funded
  • Loan officers for hanging in there with a great attitude and fighting hard to take care our senior customers
  • Marketing helping us drive in the leads and assisting so faithfully in finding new people to serve!
  • Jordy, Melanie, Accounting and all of Branch Services for taking care of all of our employees
  • Don for making it all possible 😊

It takes all of our diligent hands to make this company successful, and we are truly grateful that we have you.

It can be hard serving these seniors everyday with this challenging industry, but it is also incredibly rewarding when a loan funds and we have been able to change yet another family’s life with this program. It is all a result of your hard work, dedication to excellence, personal ethics, and then pulling this all together working as a team with one unified goal: to give the best service to each and every client.

 Cheers to a great March, and looking forward to another successful April….Thank you everyone!

Marcus Powell, National Sales Director


The Reverse Division turned in an incredible month of March. We had 66 units ($19+ Million) of Retail HECM Volume and another 61 units ($17+ Million) of Wholesale HECM production. Additionally, the Retail team closed 10 non-HECM Reverse Mortgage loans with over $6 Million in total Volume.

It was impressive to watch the various departments within the Reverse Operations Division work together to help close 137 Loans for more than $42 Million in initial UPB. The set-up team and Jr. Processing department paved the way for the Processing Team to continue to impress with their customer service. Our Underwriters turned clean approvals quickly as Service Levels remained at industry leading levels. A big thank you to our Closers and Funders who worked quickly and efficiently to get docs out and fund loans on time.

We owe a huge thank you to all of our wonderful Retail Branches, and especially to Rich Walker, Iona Osment, Ed Snyder, Jeffrey Forrester and Dan Sentenac for the amazing record-breaking Wholesale Production!

Garrett White, VP of Reverse Operations

Thank you, Reverse Team, – Sales and Operations – it feels good to operate with a team that is so self-reliant and motivated. Without your dedication that you all have provided, the organization might not have achieved the milestones we reach each month in being in The Top 10 lenders nationwide. Despite having a busy schedule, every one of you just made the milestone in our Reverse History look easy. Thank you all for the amazing dedication and effort!

~ Don Currie


This Month’s Top Producing Branches

News from Reverse

  • Reverse has a record month in funding Reverse Proprietary products with 13 loans closing
  • Great month for Reverse HECM loans . .  the biggest funding month in 3 years with 127 units funded.
  • Welcome the new team to Reverse Secondary; John Pham, Jerry Mendoza and Michael Coleman, you will see your branch locks coming from them . . .
  • Watch for announcements from our Proprietary (Jumbo) investors including trainings and Wholesale Rate Sheets.

For more information, please contact: Joan Imelio  |  916.676.8941

HTL Coronavirus Update Announcements

No COVID Updates at this time.

For more information, please contact: Melanie McAllister  |  949.468.2614

Featured Social Media
Upcoming Webinars

I Feel the Need for Speed – Private Money Webinar
Thursday – April 14, 2022 – 2pm PST

For more information, please contact:

Byron Torres  |  949.656.4882

Ritchel Castillo  |  949.386.2576

No updates at this time.

For more information, please contact: Galen Colley  |  949.825.5740

No updates at this time.

For more information, please contact: John Pham  |  949.468.2666

  1. Texas loans.  Due to the specific requirements for Texas loans, all loans for properties located in Texas must be processed in-house at the corporate office. 
  2. Social Media reviews: Social media reviews continue to be completed for you for free!  If you see receive emails from “Comergence” please click on the “task” and make any recommended changes.  All changes are due at the end of the month.  Let me know if you have any questions, aren’t using the sites anymore, etc.
  3. All MLO and branch changes  – please use the forms as located in the portal.  They are currently being combined but licensing needs advance notice for all changes. New MLO/new MLO license request/ branc lopcation change, etc. As always, let us know if you have questions.
  4. For compliance issues:; for licensing issues,

For more information, please contact: Stephanie McDaniel  |  949.468.2649

Bond pricing is worse this morning as treasury yields move higher. The U.S. 10 Year Treasury yield is currently 2.757%. Annual inflation has been increasing month over month but topped 7.9% in February, the highest since January of 1982. Investors remain concerned that the Fed’s plans to aggressively tighten monetary policy could slow economic growth. Treasury yields have since been inverted. The Russia Ukraine war also remains at the forefront of volatility in oil and other commodities markets causing disturbances in stocks.

This Week’s Economic Calendar:

Monday, April 11th                              

  • 1:00 pm       3-Yr Note Auction                     

Tuesday, April 12th                             

  • 8:30 am       Consumer Price Index (CPI)         

Wednesday, April 13th                                   

  • 8:30am       Producer Prices Mar                    
  • 8:30 am       Core Producer Prices MM Mar                          
  • 1:00 pm       30-Yr Bond Auction                   

Thursday, April 14th                            

  • Markets Close at 2:00 pm for Good Friday Eve

Friday, April 15th                                

  • Markets Closed for Good Friday  

Indicator                                      Rate 
30 Yr. Fixed Rate*                     5.06%
15 Yr. Fixed Rate*                      4.29%
30 Yr. FHA                                   4.68%
30 Yr. Jumbo                              4.35%

* from Freddie Mac weekly survey  

Same as last week, Bond Yields continue their climb.  Lock your loans as soon as possible.  We will try to help you in any way we can.  Please don’t hesitate to reach out to us.

For more information, please contact: John Pham  |  949.468.2666

Call Now ButtonCALL HTL