"Your Home May Hold the Key to a More Comfortable Retirement"
At RMS Texas, we exist to make your home equity conversion mortgage (reverse mortgage) an informed, simple and streamlined experience.
Home Mortgage Solutions
Reverse Mortgages
Reverse mortgages are no longer the loan of last resort for seniors. In fact, many savvy retirees and their financial planners are turning to home equity as a solid tool in the retirement toolbox.
If you're 62 or older and have at least 50% home equity, you could qualify for a reverse mortgage without having to pay a monthly mortgage payment.
Non-QM Mortgages
If you don't qualify for a traditional mortgage due to self-employment, or another unique situation, we may be able to help!
We offer loan products that you won't find at a traditional lending institution. Our goal is to help you attain your dream of home ownership through a variety of programs you probably haven't heard of before.
FHA Mortgages
If your credit score is between 550-620, an FHA home loan may be right for you.
Additionally, if you and your family are looking for the best rates and the best service, we can help. Our decades of experience go to work for you to get you into or refinance your dream home.
Meet Robb Hamilton
Robb is passionate about helping Seniors stay in their homes during their golden years. He specializes in Reverse Mortgages, including HECM for purchase and Home Equity.
With a Reverse Mortgage, Seniors can use the money for whatever they wish, as long as they remain in the home, and continue to pay property taxes, homeowners insurance & HOA dues. Money can be used for things such as medical bills, travel, grandchildren education, purchase of a vacation home, in-home care, home improvements – whatever is on their list.
Additionally, because Robb believes everyone should enjoy the American Dream, he provides loan programs
for home buyers who may not otherwise qualify for a traditional mortgage from a big box lender. Borrowers with low credit scores or self-employed individuals may now be able to obtain a mortgage with Robb's help.
Who We Help
Robb’s programs are far more affordable for Seniors than some of the “big guys” out there. Contact Robb so that he can provide you with a proposal that shows you what he can save you.
When it comes to Reverse and Non-QM Mortgages in Texas, Robb Hamilton is reputable, smart and even fun to work with!
In this short video you'll meet Mary who is retired and living on a fixed income and her daughter. Together, they learn about a reverse mortgage.
Robb's Reviews
I truly appreciate every review I receive from my wonderful clients. Below are just a few of my 5 star reviews.
If you would like to leave me a review, click the button below to bring up my Google Business page. Every review helps me reach more seniors. Thank you very much!
Robb Hamilton
NMLS# 358150
Broker License #2407110
This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.
*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.
Homeowners must be 62 years of age or older and live in the home as their primary residence. Homes must meet FHA/HUD minimum property standards. Borrowers must maintain hazard and flood insurance premiums, property taxes, utilities and make any property repairs. Although there are no mandatory monthly principal and interest mortgage payments, interest accrues on the portion of the loan amount disbursed if no payments are made. Program rates, fees, terms and conditions are not available in all states and subject to change. At the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds. Charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees. The loan balance grows over time and interest is charged on the outstanding balance. The borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home. Interest on a reverse mortgage is not tax-deductible until the borrower makes partial or full re-payment.
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