Click n’ Close Reviews

4,937,072reviews on ConsumerAffairs are verified
  • We require contact information to ensure our reviewers are real.
  • Our moderators read all reviews to verify quality and helpfulness.
  • We use intelligent software that helps us maintain the integrity of reviews.

About Click n’ Close

Click n’ Close has been in business since the 1940s. The company’s reverse mortgage team completes all stages of the lending process on-site. Its qualified loan officers offer on-site HUD underwriting to help customers get the best rates. Click n’ Close offers free reverse mortgage proposals to interested homeowners. The company is licensed in 23 states.

Visit www.gosimplereverse.com
Pros
  • Refinancing options
  • Multiple payment options available
  • Full-service provider, not a broker
  • Experienced team of loan officers
Cons
  • Only licensed in 23 states
  • No online information about rates

Helpful Reviews

Atlanta, GA
Verified purchase
I was referred to Simple Reverse, and they were able to help me. It was a very positive experience. I would not hesitate to recommend Monica to anyone who might be looking to do this...

Read more

Savannah, GA
Verified purchase
Monica helped us out and everything went smoothly. Also, the loan officer was very nice and he explained everything very well. He took his time. If I wanted to look over something...

Read more

What is Click n’ Close?

Click n’ Close strives to streamline the reverse mortgage lending process to simplify it for seniors. The company's qualified loan officers help customers through the roughly 30-day process between the mandatory counseling and the loan's close.

It specializes in Home Equity Conversion Mortgage (HECM) reverse mortgages. However, you can get other mortgage products from the other brands in the Click n’ Close family. Click n’ Close rolls almost all closing costs and loan fees into the loan to reduce your out-of-pocket expenses.

Qualified borrowers won't have to make a monthly mortgage payment if they don't want to. However, they must maintain their home, pay their hazard and flood insurance premiums, keep their property taxes up to date and pay their utilities. These requirements are typical for reverse mortgage lenders.

How does Click n’ Close work?

To begin the loan application process with Click n’ Close, you’ll need to contact the company. You can request a quote by completing an online form or calling.

The loan officer who works with you will review your situation and explain what reverse mortgage terms you qualify for. Then, before you can continue with the application process, you must attend third-party counseling. You can complete the counseling over the phone or in a face-to-face setting.

After you complete the counseling requirement, it’s time to continue the application process. As a part of this, you’ll need to:

  • Fill out the application
  • Submit to a credit check
  • Coordinate with an appraiser to determine the value of your home
  • Complete a title report to check for liens
  • Provide any required documentation to your loan officer

After the underwriting process is complete, you’ll need to sign the final loan documents. You’ll select how you want to receive your money during this stage. Click n’ Close offers:

  • Guaranteed monthly payments as long as you remain in the home
  • Higher monthly payments for a set amount of time
  • Line of credit that lets you access the available cash anytime
  • A lump sum

You can also mix and match options to create a customized plan.

Once you sign the HECM loan, you’ll have a rescission period of three business days. If you decide during this time that you’d like to cancel the loan, there are no penalties.

After your cancellation period has passed, you’ll get the money in the manner agreed upon at closing.

Click n’ Close rates

Click n’ Close has no information about its lending rates available online. To get a customized quote, you must contact the company and provide information about yourself and your home.

Different factors determine your rate, including:

  • Your age
  • Your home’s value
  • The home’s location
  • Your existing mortgage (if any)
  • The plan you select for receiving your funds

If you don’t make payments, interest accrues on the loan balance. This interest is not tax deductible until you make partial or full repayment.

Click n’ Close FAQ

Do I have to get an appraisal to get a Click n’ Close mortgage?

Yes, Click n’ Close requires an appraisal to get a reverse mortgage.

Where is Click n’ Close available?

Click n’ Close is available in 23 states:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
When was Click n’ Close founded?

Click n’ Close is a part of the Click n’ Close Brand. This company rebranded in 2022. Click n’ Close has roots in a company founded in the 1940s.

Still have questions?

Is Click n’ Close legit?

Click n’ Close can be a good option for qualified senior homeowners who want to access the equity in their home or get rid of their current mortgage payments. Reverse mortgages aren’t for everyone, though. The experienced team at Click n’ Close can walk you through the decision. It has some educational material on its website that can also help, including a downloadable guide that’s simple to read. However, the company doesn’t publish information about its rates online, and you’ll need to submit some personal information to request a quote.

Shop with confidence

Compare with top companies

Click n’ Close Reviews

Filter by Rating

  • (18)
  • (5)
  • (1)

Popular Mentions

    How do I know I can trust these reviews about Click n’ Close?
    • 4,937,072 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Recent
    • Recent
    • Oldest
    • Most helpful

    A link has directed you to this review. Its location on this page may change next time you visit.

    How do I know I can trust these reviews about Click n’ Close?
    • 4,937,072 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 40
    Verified purchase
    StaffLoan Process

    Reviewed Nov. 1, 2023

    Monica helped us out and everything went smoothly. Also, the loan officer was very nice and he explained everything very well. He took his time. If I wanted to look over something, he let me do it and read it.

    Thanks for your vote!
    Verified purchase
    TechStaffLoan Process

    Reviewed Oct. 15, 2023

    Simple Reverse's rep did good up until I saw that $13,000. I had signed all the papers and it had one sheet in there that said $13,000 that would go to him and other people that had to work on my mortgage. I told him that I didn't want to do the loan anymore. But I had signed everything and he didn't inform me that if I didn't want to go through with the loan, that there was some paperwork that I would need to do. Because I talked to the lady that came out from the law firm for me to sign the papers. She said I should have asked her. She would have told me that there were paperwork that I needed to sign not to get the loan. I thought I didn't need that because the rep didn't say that they needed something. So the next week, I got $16,000 deposited into my account. So, he went on with the mortgage. I could have caused a lot of trouble but I didn't. I just said I would just go ahead with the loan.

    I wouldn't recommend anybody to Simple Reverse Lending from what their rep did. We were getting along fine until I told him I didn't want the loan anymore. But he went ahead and I had signed everything. He took it on himself to go ahead on and pay off the mortgage that I had, the $25,000 that I had left on the house. He told me that, "They've paid your house." So, I was mad for six days. I did sign all the paperwork. But I didn't get a good understanding as to how I could not have to get this loan.

    Thanks for your vote!

    Not sure how to choose?

    Get buying tips about Reverse Mortgage Lenders delivered to your inbox.

      By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

      Thanks for subscribing.

      You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

      Verified purchase
      Staff

      Reviewed Oct. 14, 2023

      SimpleReverse was very easy to work with. The rep was very helpful and walked me through everything. He explained everything very thoroughly.

      Thanks for your vote!
      Verified purchase
      Contract & TermsStaff

      Reviewed Oct. 3, 2023

      I was referred to Simple Reverse, and they were able to help me. It was a very positive experience. I would not hesitate to recommend Monica to anyone who might be looking to do this. She was extremely helpful. I've never done anything like this before, and so I just followed and did what she told me to do. I just retired and I'm trying to get everything together and one of the reasons that I decided to do a reverse mortgage was I wanted to get everybody that I owed money to paid off, which I was able to accomplish through Simple Reverse. It worked out really great, and I can't say enough about Monica. She went beyond what she would be required to do.

      Thanks for your vote!
      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Sept. 28, 2023

      Their rep Miranda went out of her way to help me. No question was too dumb, too small or too big. I couldn't get a better person on the phone than her. She made it so that I understood it all. The process seemed like it took forever. But it was only a couple of months. We did most of the document process over the phone and emailed back and forth what she needed to get to me. Working with them worked out really well for me.

      Thanks for your vote!
      Verified purchase
      Customer ServiceStaffBilling

      Reviewed Sept. 16, 2023

      I spoke with Monica and she explained to me that Simple Reverse did a lot of changes. There was a big difference in the old way that they did the process. I asked her questions about it and she answered me. She told me that she would send me a package to give me a visual on how they would proceed with it. Every time I called her and left her a message, if she didn't pick up, she would call me back. I like that too. Another rep called and walked me through the whole process as well and explained it. So I like that. He answered all my questions. They didn't hesitate to answer the question. I feel relieved right now that I don't have to pay this mortgage. I don't have to worry about paying this big AC bill that I've been having for the last four months. I can pay the bills with a little more at ease.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed Aug. 24, 2023

      The application process took a while and it was a lot of paperwork but it was all right and the rep who helped me was great.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      Thanks for the feedback. The paperwork can be a bit much, but I'm glad to know that your loan officer was able to be a great resource for you.

      Verified purchase
      Staff

      Reviewed Aug. 23, 2023

      Simple Reverse has helped considerably as far as financial issues go. It took two weeks to get all the paperwork done. And we had the notary come to the house. So, it worked fine. We were pleased.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      I'm very happy that the loan was helpful, and that you are pleased with our service.

      Verified purchase
      Customer ServiceCoveragePriceStaffLoan ProcessRates

      Reviewed Aug. 23, 2023

      I have been working with the loan officer, Jason, for quite a few years and I finally decided to do a reverse mortgage. The application process was pretty much over the phone. Then, we sat down with the notary who came and finished the process. It was very simple and the easiest process I've ever gone through, as far as a loan. Also, the rate and terms were exactly what I expected. A reverse mortgage, by nature, is more expensive than others because of the up-front mortgage insurance to the FHA. But for our situation, it was the best alternative and the rate was was very competitive and fair in today's rate environment.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed Aug. 10, 2023

      The process with Simple Reverse was pretty fair. It took four months and I was expecting it to be a long process. It was also difficult to upload the documents they asked for but they helped me a whole lot. All in all, working with them made my life a little easier.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      I am happy to hear that working with us improved your life. Sometimes there are circumstances that can delay the usual fast process.

      Verified purchase
      StaffLoan Process

      Reviewed July 28, 2023

      Once I talked to the reps at Simple Reverse, signing up sounded like a pretty good idea. I had to fill out a bunch of stuff during the application like my W2 and about what social security paid me, and the rep who helped me was thorough about telling me what I needed to hear or what it was all about. The terms of the loan were good enough and working with Simple Reverse helped me out.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      Thank you for your feedback. I am glad to hear that you were happy with your loan.

      Verified purchase

      Reviewed July 16, 2023

      The application process with Simple Reverse Lending took about a month and they were really good to me.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      Thank you for the kind words. We value your feedback.

      Verified purchase
      Customer ServiceCoverageStaff

      Reviewed June 2, 2023

      I spoke to three other companies, and I decided to go with Chris from Simple Reverse. After he left, then it was David that I worked with. He was very nice, very helpful, and always, if I had a question, he returned my call. There was another gentleman towards the end. He was part of the underwriting, and he was also very nice. The whole process took two months. They completed it sooner than I thought. Once I got the money, I was able to pay off some things that had been putting a lot of pressure on me. I did that. I still got some saved for emergencies. It did just what I wanted it to do.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      I am grateful that you decided to use us, and happy we were able to exceed your expectations.

      Verified purchase
      Customer ServiceStaff

      Reviewed June 1, 2023

      They were immediately available with any questions we had and we could reach a live person by phone, who was aware of our account that we didn't have to look it up. They were also very personable, helpful and thorough in providing any documentation.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed April 5, 2023

      We have filed for a reverse mortgage and the application process was a woolgathering. I'm an older lady myself and I found that it was very confusing. I had one of my neighbors to help me with some of it. But we have satisfied all the requirements and I was told last week that the money that my brother-in-law is gonna get from his reverse mortgage should be in the bank by now. In fact, it should have been in the bank on Friday of last week. The whole process was nerve-wracking. It was a lot of paperwork. But the gentleman that was helping us gave me most of the help that I needed.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      Evelyn, Thank you for the feedback. We do our best to assist with the documentation needed for the loan.

      Verified purchase
      CoverageStaffLoan Process

      Reviewed March 31, 2023

      The reps went it over with us that we can pay the loan back when we can afford to and if we were to sell, we'd have to pay the loan off. If we sold the house or if something happened to us and our children had the house, then they'd have to sell it and then pay off that loan. We had some minor repairs that needed to be done so the application and underwriting process took a little while. Andrew, the rep, helped us through the whole thing. He answered all of our questions and walked us through everything. He told us what we needed to do and what needed to be done. Working with Simple Reverse helped us a lot and it was a very positive experience.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      Thank you Wanda. I appreciate the feedback and I am glad Andrew was able to help you make an informed decision.

      Verified purchase
      Customer ServiceStaffRates

      Reviewed March 29, 2023

      The application process was quite lengthy, both verbal and written. Most of it was done via email. There was the consultation that we received from a group in Florida, which was verbal. The rate was fair and it was fair market value. If I didn't have friends in the markets, it would have absolutely driven me crazy with the feds and all they did. But having the people there, and the management and professionals really, really helped a lot with the anxiety. Right now, I'm very happy with the process.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed March 28, 2023

      The application process with Simple Reverse Lending was good. I did most of the work with Greg. He's a knowledgeable and friendly guy. If Simple Reverse Lending would fit your needs, it would be a good company to go with.

      Thanks for your vote!
      Click n’ Close
      Response from Click n’ Close

      Thank you Dale. I'm very glad Greg and our team were able to assist.

      Verified purchase
      Customer ServiceStaff

      Reviewed March 28, 2023

      Their reps seemed really nice. I've got their phone number if I needed anything or needed to talk to them about anything. Everything that they said would happen happened and we got it through and we're well satisfied with it.

      Thanks for your vote!
      Verified purchase
      Customer ServiceStaff

      Reviewed March 28, 2023

      The rep was nice. If there was anything I didn't understand, I'd tell him and he'd tell me again. However, going with Simple Reverse made a bunch of stuff in my mailbox. I didn't know what was going on and I had to call Lawrence to ask, "Why am I getting all these papers from these mortgage companies?"

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed March 25, 2023

      The rep and his assistant were both very nice, helpful, kind of the friend of the family type people. Everything worked smoothly.

      Thanks for your vote!
      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed March 24, 2023

      The application process was very simple. Also, I felt comfortable with the time frame. Ryan from Simple Reverse Lending was very instrumental in helping me if I had any questions. The only thing that slows the process down is clients often don't know what to do, when to do it, and the questions they have sometimes go unanswered for days or weeks and that could slow things down. But when you have a guy like Ryan who if I needed something, I could email, call, or text him, and he had a response back in a short time. It went well for one of my clients. Always available whenever there was a question. He anticipated issues and we were out in front of anything and everything that came up at us.

      Thanks for your vote!
      Verified purchase
      Staff

      Reviewed March 11, 2023

      Everything was excellent with Simple Reverse Lending. They were clear about everything and answered all my questions. I was not very knowledgeable on the process but I was comfortable with what they were telling me.

      Thanks for your vote!
      Verified purchase
      Customer Service

      Reviewed March 10, 2023

      Simple Reverse Lending is efficient. The person who I talked to to get me involved was polite. But when I needed money, he said not to call him anymore because he was done with me. He didn't say it in those terms, but that was how I felt at the end of that phone call. I dealt with another person who was easy to work with. They kept telling me we could do it online but I'm not that type of person. I'd rather speak with them, tell them what I want, and they tell me what I got to do to get it done.

      Thanks for your vote!

      Simplify your search

      Easily compare personalized rates.

      Loading more reviews...

      Click n’ Close Company Information

      Company Name:
      Click n’ Close
      Website:
      www.gosimplereverse.com