I am a Sr mortgage advisor with over 30 years experience in the business. Through the years I have relied on Neil to take care of my own clients when a reverse mortgage is the best option for them. When I decided the time was right for my husband and I to obtain one, I naturally went to the best in the business. That is Neil. I am pretty familiar with the benefits and criteria of Reverse mortgages having worked with Neil for my own clients, so I can tell you he is thorough and will spend whatever time you need answering questions and trying to get you to the best place for you as an individual. These loans are insured by the federal government and must meet high standards. There is nothing questionable about Reverse loans if you use a company that deals with FHA insured loans. The most important thing is to have someone like Neil to guide you through the options and the rather intense paper process. I just cannot recommend anyone better. Neil and his assistant Pam are the team you want on your side should this be the best option for you financially. I am still a working Sr. Mortgage advisor, with a different company, and Neil will remain my source for these loans.

KATHY CARPENITO

Sr. Mortgage Advisor
Jan 15, 2020

Neil Sweren

SVP, Reverse Mortgage Specialist Atlantic Coast Mortgage, LLC NMLS ID # 139177 |
Neil has worked in retail mortgage lending since 1989 and has experience with a variety of conventional and government insured programs including traditional FHA, 203k renovation loans, HECM reverse mortgage loans, VA, and a wide range of portfolio construction, jumbo and private placements. Over the span of his career, Neil has personally helped thousands of homeowners and home buyers and now focuses his efforts working with Senior homeowners and homebuyers.

Neil is proud to be one of only a handful to receive certification by the National Reverse Mortgage Lenders Association as a Certified Reverse Mortgage Professional (CRMP), a designation that requires a demonstrated level of knowledge, experience, and professionalism in the specialty of Reverse Mortgages.

Atlantic Coast Mortgage, LLC is an Equal Housing Lender | Branch NMLS ID # 1634829 | Company NMLS ID #643114 (www.nmlsconsumeraccess.org)
May 10, 2020
As a retired couple who still work part-time, we were interested in either a traditional refinance or a reverse mortgage. Neil was very thorough as he reviewed both options with us and clearly answered our questions, both at the initial meeting and later as we were making our decision. The reverse mortgage turned out to be a better fit for our financial goals. The subsequent appraisal of our house resulted in several items that required rather difficult repairs, and Neil was very supportive as we worked through the repairs. When the closing was scheduled, Neil made sure all our required paperwork was in order, and the settlement meeting with the Title Company was completed with no complications. We would definitely recommend Neil to anyone who was considering a home purchase or refinance for an informative, trouble-free and pleasant experience.
Mar 6, 2020
Retired
Neil is meticulous in making sure every detail is covered. He explained everything in clear language,making sure I understood every aspect of the transaction. He then followed through with an email or phone call to be sure I did my part. I cannot recommend his service more highly.
Feb 14, 2020
Client
Hi,

I worked with Mr. Sweren on a reverse mortgage and he was the best. His entire team was professional, up front with the process and very knowledgeable of this product. During the entire process he was available for any questions that I had and communicated with me every step of the way. His team that works with him was amazing and kind. This experience was great and didn't take too long from beginning to finish. I was very happy and I will recommend his services to all. This company is a winner and excellent at what they do and Mr. Sweren is the best.
Feb 8, 2020
Neil and the processor from Atlantic Coast Mortgage who worked with us were very experienced and guided us through every step of the process of applying for a reverse mortgage. They provided very good customer service—were accessible, responded promptly with assistance whenever we had questions or issues arose, prepared us for each step, and were very helpful, accommodating, and pleasant to deal with. Very positive experience!
Jan 15, 2020
Sr. Mortgage Advisor
I am a Sr mortgage advisor with over 30 years experience in the business. Through the years I have relied on Neil to take care of my own clients when a reverse mortgage is the best option for them. When I decided the time was right for my husband and I to obtain one, I naturally went to the best in the business. That is Neil. I am pretty familiar with the benefits and criteria of Reverse mortgages having worked with Neil for my own clients, so I can tell you he is thorough and will spend whatever time you need answering questions and trying to get you to the best place for you as an individual. These loans are insured by the federal government and must meet high standards. There is nothing questionable about Reverse loans if you use a company that deals with FHA insured loans. The most important thing is to have someone like Neil to guide you through the options and the rather intense paper process. I just cannot recommend anyone better. Neil and his assistant Pam are the team you want on your side should this be the best option for you financially. I am still a working Sr. Mortgage advisor, with a different company, and Neil will remain my source for these loans.
Dec 1, 2019
After doing extensive research into reverse mortgages, and speaking with numerous loan brokers, I knew as soon as I spoke with Neil that he not only knew his product, he was also great in following up. As a retired real estate agent, I had questions, and he was forthright and honest with his answers. If you are looking for someone to walk you through this loan process effortlessly, I highly recommend Neil Sweren. You will not be disappointed.

MaryAnn Moriah
Oct 21, 2019
Sales
Easy to do business with. The process was quick simple and relatively simple. Neil explained the reverse mortgage process in great detail and made the choice a positive one. I highly recommend this type of mortgage to anyone that age qualifies it saves you a lot of money to enjoy the rest of your life and not tie your precious funds in a conversation mortgage.
Sep 10, 2019
Client
After considering several options to address our particular financial needs, we were referred to Atlantic Coast Mortgage and Neil Sweren.We found Neil to be highly knowledgeable, very experienced, extremely thorough and fully capable of taking us through the many phases of a reverse mortgage. Neil was very prompt in addressing the many questions we had during this process. He was always sensitive to the privacy of the information that was discussed with him. We would highly recommend Neil as the consummate professional to any one seeking his services.
Aug 8, 2019
Retired government project manager
Neil is a talented and personable leader capable of focusing those around him on the key aspects of a project without losing their interest and support to competition from less important and significant tasks. He is respectful of the ideas and approaches of team members while maintaining the degree of project control needed for advancing the overall effort. He is a pleasure o work with.
Jun 20, 2019
Horticulturist
Neil was very pleasant to work with. He provided a plethora of valuable information and resources. Very detail oriented and knowledgeable about reverse mortgages. I would highly recommend him.
May 9, 2019
Real Estate Agent
I have to say, if it was not for Neil our deal would have fallen apart. It was solely because the first lender did not do his due diligence and completely dropped the ball. Neal picked it up and ran with it. He pulled it out of the park! We closed right away after another lender was saying it would not close. Neal literally saved the day. Plus, he was so easy to work with. Neal stayed on top of everything, he's amazing. He was so responsive. I never had to wait for information or a call back, the communication was unbelievable. The service is second to none. I can't say enough about how great Neal handled the whole deal. He is not just a great lender, he really is a caring person. I refer everyone I can to him. I was very impressed and so happy I found him.
May 6, 2019
Neil did a great job for us. He made the reverse mortgage very smooth and was completed in five weeks. He kept us informed during the entire process. We would definitely recommend Neil.
Apr 29, 2019
Homeowners
Neil developed a strategy using reverse mortgage to enable us to begin construction on our new home before the sale of our current home. At first not sold on the reverse mortgage idea, Neil explained the advantages while also describing the couple of issues we needed to attend to. He was patient in dealing with a couple who hadn't done anything like this in years. We highly recommend Neil of you want to consider a reverse mortgage.
Mar 4, 2019
Yes, we would highly recommend Neil. We had a great experience with him.
After we got the run around from another lender, with no reason, a friend recommended Neil.
We were late with the closing of our property because of issues beyond our control.
The mortgage processing with Neil went extremely smoothly, we provided all required documentation and it took maybe two weeks to complete everything.
He was on top of everything, constantly checking and reassuring us.
Just a great experience and he is also a very nice person. We met him at his office.
Jan 21, 2019
Neil Sweren was a top notch professional. He was kind and knowledgable. I cant say enough about his personal service and integrity. I would strongly recommend him to anyone even considering doing a reverse mortgage. He was a real pleasure to work with.
Apr 25, 2018
Retired
Neil was a not just professional, but also personable and friendly throughout the entire process. He was quite knowledgeable and could give us straightforward answers and information in,general. This allowed us to make informed decisions and feel comfortable that we were making the best decisions for us. Neil was also very good about keeping in touch or responding to our questions, even though we had a particularly long time to wait to close on our home.
We feel that Neil and his staffer Pam, were honest and clear on all matters related to our loan, and lastly, they were always efficient and one step ahead of the game to assur that everything went smoothly and worked according to plan !
Feb 2, 2017
Attorney
I referred clients to Neil for assistance with a Reverse Mortgage and he did an excellent job. Would not hesitate to refer again.
Feb 1, 2017
Neil helped us with a reverse mortgage for my mom. This was the second mortgage company I tried and he was much more helpful than the first. If I had any questions he was very quick to respond.
Jan 9, 2017
We just finished signing for our reverse mortgage yesterday, Jan 9, 2017. Neil has been with us all the way. First, by traveling to Manassas to meet with us, explain everything in detail. But, of course as seniors, we still had questions. Didn't matter how small and trivial they were, he would email the answer within a few minutes. Really appreciated emails that I could print out and refer back to.

The appraiser was good and patient with us. Even gave us some improvement tips. Melissa showed up with what seemed like a thousand papers for closing. She is a very lovely person. Signed papers, had a nice visit with her.

Will be sure to recommend you to any one who asks. I cannot think of anything that would have made the experience any better. Thank all of you, The Scotts
Dec 22, 2016
Wonderful person to work with. Lucky to have you.
Dec 12, 2016
Neil was terrific. He professionally handled all of our questions & concerns and he delivered exactly what he promised he would do. A job well done, thanks Neil.
Jul 13, 2016
Very friendly and responsive. Only minor quibble: he assumed some knowledge in me about a detail that I did not have. So make sure u understand and if not ask questions until it is clear you do. But I recommend Neil pretty highly overall.
Jul 13, 2016
We had a very good experience with Neil
Apr 14, 2016
All went quickly and smoothly
Apr 10, 2016
Neil did not make feel like the questions I had about the reverse mortgage process were silly. I was always comfortable and never hesitated to call or email him. His professionalism, extensive knowledge & down to earth personality never made me second -guess my decision to deal with him.
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Neil Sweren | NMLS ID # 139177 www.nmlsconsumeraccess.org | Atlantic Coast Mortgage, LLC is an Equal Housing Lender | neil@LowRateLoan.com | (410) 977-8870