About Us
About Tom Spaniel Reverse Mortgage
Tom Spaniel Reverse Mortgage was founded with a singular focus: providing specialized reverse mortgage solutions supported by clarity, professionalism, and ethical guidance. Our firm is dedicated exclusively to reverse mortgages, allowing us to maintain a deep understanding of program structures, regulatory requirements, and retirement-focused lending strategies that directly benefit senior homeowners across Texas.
Led by Tom Spaniel, NMLS #228693, our company operates with a client-first philosophy built on education and transparency. We believe informed decisions lead to better outcomes, which is why we prioritize clear explanations, realistic expectations, and ongoing support throughout the reverse mortgage process.
With licensing limited to Texas, we maintain a strong local presence and a thorough understanding of state-specific housing markets. We proudly serve homeowners in Dallas, Austin, Houston, San Antonio, and Highland Park, offering regionally informed solutions that reflect property values, lending limits, and community-specific needs.
Our expertise spans a full range of reverse mortgage programs, including Reverse Mortgages, Jumbo Reverse Mortgages, Proprietary Reverse Mortgages, and HECM for Purchase options. This comprehensive program knowledge enables us to tailor each recommendation to the borrower’s financial goals, property profile, and long-term retirement plans.
At Tom Spaniel Reverse Mortgage, we understand that a reverse mortgage is not just a financial product—it is a strategic decision that impacts lifestyle, cash flow, and estate planning. Our consultative approach ensures every client receives individualized guidance without pressure, allowing them to move forward with confidence and peace of mind.
We also specialize in reverse mortgage website development services, helping professionals and organizations present accurate, compliant, and user-friendly information online. By combining industry expertise with modern digital strategy, we support education, engagement, and trust in the reverse mortgage space.
Compliance, accuracy, and ethical standards are central to everything we do. We adhere strictly to federal and state lending guidelines, ensuring all recommendations are aligned with regulatory requirements and best practices designed to protect borrowers.
Above all, our mission is to empower homeowners with reliable information and dependable service. Through expertise, integrity, and a commitment to long-term relationships, Tom Spaniel Reverse Mortgage continues to be a trusted resource for reverse mortgage solutions throughout Texas.
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Our Commitment to Long-Term Client Relationships
With Tom Spaniel Reverse Mortgage, we believe our responsibility extends well beyond loan origination. We are committed to building long-term relationships based on trust, consistency, and ongoing support, ensuring our clients feel confident not only at closing but throughout the life of their reverse mortgage.