Bill Graham
NMLS#: 314890

Bill Graham a fourth generation Texan, has close to 30 years’ experience in the mortgage industry.
Welcome to Terra Vista Mortgage!

At Terra Vista Mortgage, we are honored to serve as your Reverse Mortgage experts.   We work tirelessly to help seniors living in Texas find the right solutions for their financial needs.  

If you’re 62 or older and looking for money to finance a home improvement, pay off your current mortgage, supplement your retirement income, or pay for healthcare expenses, a reverse mortgage may be right for you.  

Reverse Mortgage: a product that allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills.  

We pride ourselves on educating our clients on the Pro’s and Con’s of a reverse mortgage and understand that it is not right for everyone.  Our goal is to help you, the client, make the right decision for your situation and will never sell a product to someone who is not a good fit.

We specialize in the following reverse mortgage options

  • Home Equity Conversion Mortgages (HECMs): Federally-insured reverse mortgages backed by the U.S. Department of Housing and Urban Development
  •  Single-Purpose Reverse Mortgages:  Offered by some state and local government agencies and nonprofit organizations

For more information on how a reverse mortgage can improve your life, please fill out one of our simple quote forms or give us a call at (800) 947–6099.




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Find the solution that fits your needs.

Reverse Mortgages

A reverse mortgage is a home loan that lets homeowners convert a portion of the equity in their home into cash. The equity built up over years of mortgage payments can be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence.


Am I Eligible?

To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance
that can be paid off at the closing with proceeds from the reverse loan; and must live in the home.


How Much Do I Get?

The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.


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