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Is a reverse mortgage right for you?

A Reverse Mortgage is a special type of loan that enables individual 62 or older to convert some of their home's equity into tax-free cash.


  • You retain ownership and live in your home.
  • You can use cash advances for any purpose.
  • Loan proceeds are not considered "income" and do not effect Social Security, Medicare, SSI or Medicade benefits.
  • The heirs can keep the home once the reverse mortgage is repaid.

Connect with a Mortgage expert today!



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Your information is private and will never be shared with third-parties.

Am i eligible?

Here are some basic requirements...

  • Homeowner(s) who are at least 62 years of age and occupy the property as their principal residence.
  • Eligible properties include single-family homes, condominiums and townhomes, or a 2- to 4- unit dwelling.
  • Remaining balance of your current mortgage and debts can be paid off in full with a reverse mortgage.
  • No mortgage payments going forword!

What are my options?

Give us a call. One of our specialists will be happy to help you decide what's best for your current situation.


See what our clients have to say

Since our service is what makes the difference,we're proud of what our clients have to say about us.
Just read the testimonials below and see the difference for yourself!

Our Testimonials

Affordable Financial Services Ltd. made is quick and simple to process my refi. Steve DeAngelis was my first point of contact and he was truly superb. He responded to my emails promptly and made sure to keep the lines of communication open between the underwriting dept. and myself. Katie Munoz who is the Loan Processor handled my loan with such diligence and efficiency and also remained in contact with me throughout the entire process. I am so grateful to them both as they truly were very conscientious about my sense of urgency on needing to get this done. 2 thumbs up, 5 stars, and more!

-Denise M.


2 thumbs up, 5 stars, and more!

Every step of the way, your team has been first-class, A#1 in everything one wants in going through this somewhat arduous process – good, clear explanations of each step of the process, and a drive to succeed that should be the envy of any company of any sort. I made an almost unreasonable request that we complete the closing by the time I wanted to leave town – tomorrow – for a few weeks to go to my place in Maine (also the time the loan commitment from ****** would expire!). And they got it done. That Katie has been a whirlwind in these closing days – very impressive.

-James P.

Thank you for having an incredible team!

Thank you both for your patience with me during this time. I returned to work in January after battling breast cancer for the last year! While I’m still receiving chemo treatments I have faith this will be behind me soon!

Both of you guided me through this process and I am happy to say the closing went very smoothly! Thank you for all that you do and for helping me eliminate the biggest stressor my credit card debt.
Have a wonderful day and again Thank You!
-Bernadette C.

Thank you for all that you do

Brian and his team at Affordable Financial has made my re finance effortless!! Their total care and understanding of my situation was something like I have never experienced in other re fi’s I have done. They are professional, courteous, responsive! From the first time I contacted them to the day after my closing they made me feel like I was their only customer. I will refer them to all my friends, family and neighbors! Thank you Affordable Financial!! – Bobby C.

Professional, Courteous & Responsive!

My wife and I used them for our refi on our mortgage. The whole process from start to finish was quick, easy to understand and saved us a lot of money per month. They give you a list of everything you need, you send your documents in, and two weeks later everything was done. I dealt with Roberto and Brian and they were very responsive when I had a question. I emailed and very quickly I received a return email or a phone call explaining everything in great detail. I would use them again and would recommend them to anyone looking for a mortgage. – Steve F.

Saved us a lot of money

We have used Affordable Financial multiple times. They are always professional and on top of things. They white glove the client from start to finish. The owner, Brian Leibowitz, is a genius. He’s incredibly smart and dedicated and very responsive. He’s innovative as well especially when you’ve come up against a roadblock. His staff is also very professional and responsive. Shout out to Katie M. for all of her help and hard work! Brian—you and your staff are incredible and you are they only company I would ever use for mortgage financing. You made a stressful refi as seamless as could possibly be and I appreciate you and your staff! Thank you from the bottom of my heart! – Lisa C.

White Glove Service!

“Thanks to your team, you (have) allowed me a fresh start and put me in a good place. I am doing well and making smart decisions about my finances now…Being able to pay off debt has been wonderful. I can save money and enjoy life without all the stress I was under before…Thanks again and I will never forget AFS!” – Andrew D.

Your team gave me a fresh start!

I had an incredible experience with affordable financial services….I was going into contract with another company …. they saw that I was a first responder and took me under their wing … they guided me every step of the way. They were extremely professional and they really care for all first responders and getting the best deal for them!!! I would highly recommend this company to any first responders looking for a credible Mortgage company and for getting the best deal!!!!

Guided me every step of the way!

My wife and I had a great experience with Affordable Financial Services. They were very understanding and compassionate about our careers and strive to get the best rates. They really put forth a tremendous effort to make my family feel safe and secure with our future investment. I would highly recommend AFS to any first responder looking for a mortgage company. – Scot K., First Responder 

Understanding and Compassionate

We had a great experience with Affordable Financial Services. They truly care about first responders and getting the best deal for them. I would highly recommend this company to any first responders looking for a respectable mortgage company. 
– Ken D., NY First Responder

Truly Care about First Responders

© 2016, Affordable Financial Services LTD , All Rights Reserved
These materials are not from HUD or FHA and were not approved by HUD or a government agency.

Equal Housing Opportunity Lender
NMLS #27090 - One Huntington Quadrangle suite 1N09 Melville, NY 11747 Click for the Affordable Financial Services LTD NMLS access page.

One Huntington Quadrangle suite 1N09 Melville, NY 11747

Registered Mortgage Broker NY(208163), FL(MBR164), MD(17277), CT(19987), VA(MC-4881), MA(MB27090), GA(22763) Banking Department, PA, NJ Licensed by the N.J. Department of Banking and Insurance.

Affordable Financial Services will not make any mortgage loan commitments or fund any mortgage loans. All loans are provided by third-party lenders.

Toll Free: 1.888.500.0282