Joe and his wife Chris did a very good job arranging my reverse mortgage . They finished it in short order and met my needs. Don Carr

Joe did a great job for my husband and me with our mortgage financing. Joe is responsive and will keep you informed along the way as well as answer any questions you may have. It would be worth your time to investigate his services for yourself.

Sibyl Dyke, Real Estate Broker

Mr, joe Valdez, did a awesome job helping me obtain a Reverse mortgage , he showed me the most efficient and Professional way to acquire my MORTGAGE WITH Great Urgency.  A man of Great Integratity, and a Family.

Walter Johnson, retired

Mr. Joe Valdez has done an excellent job helping us obtain a Reverse Mortgage. He was always available, and went above and beyond with practical suggestions to help us beautify our home for maximum appraisal value. Friendly, professional, and hands-on help, kept the process calm and smooth.

We appreciate his concern and hard work on our behalf.

George Yesian

Joe did a great job leading me through the mortgage process with his insights and professionalism. Highly recommended.

If you are considering a Reverse Mortgage, Joe Valdez and his wife Chris, are the best in my opinion to get you the right Reverse Mortgage that is suited for your needs. I contacted several reverse mortgage agents and I chose them. Whenever I had a question or concern, my phone calls and my emails, were all returned promptly. If you want a no stress solution, just call Joe Valdez.

Patricia Simons, Homeowner

Joe walked through every step of the way in negotiating this process. There were several unusual issues that he was knowledgeable about or got answers to immediately. I highly recommend Joe for his knowledge and willingness to help in completing the Reverse Mortgage process.

Carol Salinas
Chris did a great job getting us our mortgage. I will be to recommend her at and time. Thank you Chris for all your hard work.
Chester Burks

We would like to take this opportunity to express our thanks to Chris for the time she took to explain all the information regarding reverse mortgages. She had the patience to answer all our questions and knowledge to make sure everything went smoothly.
We highly recommend her services.
David and Ellen Greenspan

David and Ellen Greenspan

Chris helped us through a process that was very difficult to say the least. Through her leadership the many facets were successfully completed in a timely and professional manner. I would highly recommend Chris to lead others through this process.

Caesar Arizpe

Chris did a fantastic job. She kept me informed and answered all my questions.
I would highly recommend her to anyone who is interesting in doing a reverse

Ronnie Cropper

Chris Martinez and her team did an outstanding job helping us refinance our home. From application to close, the process was seamless. I have closed on many homes in my life, but none as smoothly as this. We heartily recommend her for any of your real estate needs!
Thank you, Chris!

Jim & Sherri Clark

Chris and Joe Valdez have been very patient and helpful during our reverse mortgage process. We greatly appreciate their professionalism and dedication. Even with several unusual challenges, they were with us the entire way. Thank you for your efforts. I would definitely recommend them to anyone interested in a reverse mortgage!

Don R

Chris is a consummate professional who educated me about reverse mortgages, answered all questions and kept me updated throughout the entire process. She was always quick to respond by phone, text or email. Only three weeks passed from application until closing. I could not have asked for a better experience. Highly recommended!

Daniel Douglas

Chris did a tremendous job with my reverse mortgage loan. She answered all my questions, alleviated my concerns, and put me at ease with following through on my loan. She was very professional, punctual, and stayed on top of things throughout the entire process. She made the process quick and easy. I would highly recommend her to anyone who is looking for a reverse mortgage loan.


Peter Fierro
Happy, Satisfied Customer


I would highly recommend Chris Valdez to anyone looking for a reverse mortgage. She put me at ease right away with her wealth of knowledge and her willingness to help at every turn, If I had a question and could not speak to her directly (this happened rarely) all I had to do is leave a voicemail she would respond within promptly. I enjoyed working with her and she made the process easy. Thank you Chris. I appreciate all your hard work.

Charlene Poehls

Charlene Poehls

Chris Valdez helped me obtain a reverse mortgage and I couldn’t have been more satisfied with her performance as my agent. She has outstanding knowledge of the process, and has a great support team. Thanks to Chris I was able to close on my mortgage exactly one month from the date of my application.

Chris is very professional, works hard for her clients, and is very accessible. All the things I was looking for.

M Douglas

It was a pleasure to work with Chris. She demonstrated to us professionalism and always willing to return calls to answer our many questions. She insured a successful outcome and was with us every step of the way. We look forward to working with her again in the future

Alicia Garcia

Chris Valdez did an incredible job helping me with my reverse mortgage loan. She was very professional and helpful. She demonstrated a tremendous amount of patience with me in answering all my questions and calming all my fears about reverse mortgages. I felt like she really cared about my financial concerns. I would highly recommend her and I hope I can do business with her in the future.

Emily Zavala

Chris is a top professional in the field of home finance with a specialty in reverse mortgages. Our first inquiry to Chris was in Sept. 2105 and the closing on our new home was in January 2016. Yes, it takes a long time to finalize the details, file the papers and get approvals. Chris was with us the whole way to answer questions and lead the way with patience and always a smile.
I have never worked with anyone so dedicated to customer satisfaction. What a delight to have had the privilege of Chris as our consultant.

Tom and Connie Quilter

It is a pleasure to commend Chris Valdez for the great job she did in helping me get a reverse mortgage. She came highly recommended from a respected friend of mine, and rightly so. Early on we ran into an unexpected problem, but Chris tackled it head-on and resolved it quickly. I was amazed, but very happy about it. I can highly recommend Chris without any reservation and am glad to do it. She will do a good job for you!

Gerard N. Kern

It gives me pleasure to relate what a great job Chris Valdez did in helping me get a reverse mortgage. She was highly recommended by a respected friend and rightly so. I had an unexpected obstacle present itself, but Chris didn’t miss a beat, tackled it head-on and resolved it quickly. I was surprised but very happy about it. I highly recommend Chris without any reservation, and am glad to do so. You will be in good hands with Chris!

Gerard N Kern

My experience with Chris Valdez was amazing. I had done a lot of research before contacting a Reverse Mortgage Realtor, but still had a lot of questions. I spoke to several in my area before choosing one. I chose Chris because I could leave a message or send her an email, and she would contact me that same day. If you want a realtor that is responsive to your needs and wants, Chris is the one that I have recommended to my family and friends and I would recommend that you call her.

Patricia Simons

Chris and Joe Valdez did a remarkable job in keeping a complicated reverse mortgage refinance package on track from origin to conclusion. Very professional and highly competent. I highly recommend them for your reverse mortgage needs.

Kent Yeates

When I was trying to get a reverse mortgage on my house, Chris Valdez worked tirelessly to resolve all the issues that came along with it. She went out of her way to help me get through all the hurdles and remained my “constant” among many issues and variables. I would not have gotten through the process without her help. Her professionalism went over and beyond my expectations and I wouldnt hesitate a minute to use her expertise in the future.

Karen Strobl

Karen Strobl

Chris and Joe handled my reverse mortgage in 2013. Chris worked with me throughout the entire process, from beginning to closing.
I was very pleased with her help and referred her to a friend of mine. I have also referred her to other friends. Being a senior citizen we always want to feel secure in our decisions. After working with Chris, I can say she is honest and trustworthy.

Kathy J. Bell

Chris is an experienced and knowledgeable professional and can assist you with answers to questions you may have regarding reverse mortgages and whether they’re right for you. She’ll make the process of obtaining one hassle-free and timely.

Sibyl Dyke

Just a note to say we just completed making a reverse mortgage with Open Mortgage. Chris was our contact person, and she did a fantastic job. She was right on top of everything.

James K Black

I would like to thank Chris Valdez for the caring, sincere role she played in getting us our reverse mortgage.
We were dragging our feet and unsure of our position about this , and she reassured us and answered any questions we had, even repetitive questions.
Thank you, Chris Valdez, and may God bless you and keep you and your family.
Thanking you, Jodi Taylor

Jodi Taylor

Please fill out the form below to find out how much you qualify for.

RMLO/Reverse Mortgage Professional

1st USA Reverse Mortgage, LLC

NMLS# 208569

Joe’s Bio –

Joe currently resides in Austin, TX. Joe is a seasoned professional with 14 years originating Reverse Mortgages. Joe puts an important focus on customer satisfaction and ensures that his client’s Reverse Mortgages close timely and effectively. His proven success record has helped hundreds of homeowners 62 and older nearing retirement. Joe’s team is dedicated to providing you with the knowledge and education that is necessary to make informed decisions about your Reverse Mortgage financing needs. We will work hard and keep you informed weekly to make the process as simple and stress- free as possible.

1st USA Reverse Mortgage subscribes to sound business practices that exhibit honorable value to families, caregivers and Seniors with clear and confident expectations. We maintain professional integrity and competence at all times and our services performed will be held to the highest standards.