ANALYZER Professional is constructed to assist LOs configure and clearly clarify reverse mortgage eventualities by modeling key variables similar to obtainable proceeds, cash-flow choices and long-term home equity affect. With Smartfi’s merchandise now included, customers can examine proprietary and HECM choices aspect by aspect, check how every responds to fee and home price changes, and doc why a specific possibility could also be extra appropriate for a given borrower.
“ANALYZER Professional was constructed to deliver readability to what’s typically a posh and misunderstood a part of the mortgage panorama,” stated Dan Hultquist, co-founder of REVERSE plus. “By including Smartfi’s proprietary applications, we’re giving mortgage officers the flexibility to guage and examine extra eventualities, have extra knowledgeable conversations and finally serve debtors with higher confidence, understanding and transparency.”
REVERSE plus launched in October 2025 with three instruments, together with ANALYZER. Moreover, the corporate’s ACCELERATOR product affords self-paced coaching for mortgage officers, gross sales managers and wholesale account executives. And ANSWERS serves as a man-made intelligence-powered reply desk that goals to simplify explanations and steerage on reverse mortgage mechanics.
‘Sensible, hands-on’ studying
For Smartfi, a reverse mortgage wholesale lender that companions with mortgage brokers and monetary establishments, the combination is positioned as a coaching and adoption instrument. The corporate stated the visuals and side-by-side comparisons inside ANALYZER Professional can assist brokers higher perceive how Smartfi’s proprietary merchandise work and the place they could match.
“Proprietary reverse mortgages signify a big portion of the senior house fairness lending panorama,” stated Kim Smith, senior vp of wholesale at Smartfi. “Making our applications obtainable inside ANALYZER Professional provides originators a sensible, hands-on technique to be taught our choices and higher perceive how our Selection proprietary mortgage possibility can uniquely meet the wants of debtors.”
In April 2025, Smartfi introduced an identical tech integration with the HECM Device, a platform developed by reverse mortgage veteran Tane Cabe, previously of Fairway House Mortgage and C2 Monetary Corp. Smartfi’s Selection mortgage was included in response to suggestions from HECM Device customers that they needed a proprietary choice to be obtainable.
Smartfi’s focus shifted completely to the wholesale channel in September 2025 when it introduced the closure of its retail division, which had been working for roughly a yr. Most of its latest enterprise was being closed by way of dealer companions, in accordance with knowledge compiled by New View Advisors.
Reverse Market Perception (RMI) reported that Smartfi was the nation’s Twelfth-largest HECM lender in 2025, endorsing 387 loans for a market share of 1.4%. In contrast to many rivals that noticed flat or declining HECM volume, Smartfi’s endorsement rely was up 32% yr over yr.
Further transparency
Mortgage brokers utilizing ANALYZER Professional say that having proprietary applications obtainable in the identical workflow as HECMs addresses a long-running hole in reverse mortgage education and state of affairs evaluation. As an alternative of counting on static product matrices, mortgage officers can mannequin borrower-specific variables similar to age, property sort, current liens and payout preferences earlier than compaing outcomes throughout applications.
“Having Smartfi’s proprietary applications obtainable straight in ANALYZER Professional is one other recreation changer,” stated Gabe Bodner of OneTrust House Loans. “What the ANALYZER has performed to assist debtors perceive how the HECM program actually works can now be utilized to Smartfi’s proprietary applications. And having the ability to examine them collectively makes the dialog simpler and extra clear for everybody.”
Reverse mortgage quantity stays extremely delicate to interest rates, house values and regulatory changes round HECMs. As extra lenders construct out proprietary merchandise to achieve larger house values or serve debtors who don’t match normal FHA pointers, originators should clarify advanced trade-offs on proceeds, charges, fee constructions and long-term fairness to senior purchasers.
Placing each HECM and proprietary choices into the identical modeling atmosphere can assist dealer outlets and retail lenders standardize mortgage proposals, cut back compliance danger tied to misaligned product comparisons, and shorten coaching occasions for brand new mortgage officers getting into the reverse house. For wholesale lenders, integrations like this generally is a distribution channel, surfacing their merchandise on the level of sale and embedding schooling straight into originators’ workflows.
The Smartfi integration is obtainable instantly to current ANALYZER Professional customers and is predicted to increase as Smartfi rolls out new options and merchandise, in accordance with the announcement.
Neil Pierson reported and wrote this text with drafting help from HousingWire Automation, an editorial instrument that helps rework bulletins and trade knowledge into HousingWire-style information protection.
