One Reverse Mortgage is a member of the US Department of Housing and Urban Development, the Nation Reverse Mortgage Lenders Association, and is insured by the Federal Housing Administration and Approved by Equal Housing Opportunity. These accreditations, combined with an A+ rating on BBB and an Excellent score on Trust Pilot contributed to high marks from us. In terms of loans, the company offers adjustable rate Home Equity Conversion Mortgage (HECM), fixed rate HECM, and HECM for purchase. They also provide three different forms of loan disbursement: lump sum payments, monthly payments, and establishing a line of credit. These varied loan types and different loan disbursement options provide the consumer with the flexibility to choose a plan that best fits their reverse mortgage goals.