We Run the Operation Behind Your Reverse Channel.
Full back-office fulfillment, two ways to partner and a book already full of reverse-ready borrowers. Your loan officers originate. We run the rest.
Back-Office Fulfillment
We run the operation.
Your loan officers originate. South River processes, underwrites, closes and funds.
- Processing, underwriting and closing
- A named partnerships contact
- Direct access to reverse underwriters
- Appraisal, title and flood ordered in-house
Partnership Models
Two ways to partner.
Broker or correspondent, on a platform that costs you nothing.
- Broker: we close and pay your fees
- Correspondent: you close, we buy the loan
- No license or per-seat fees on ReversePilot
- Certification, onboarding and playbooks
Your Existing Book
Your book is the opportunity.
Borrowers who already trust you are in prime reverse age. We help your loan officers reach them.
- Servicing clients from 15 to 30 years ago
- 55+ purchase clients, right-sizing for retirement
- Your relationships, not cold leads
- Autopilot and our team on every conversation
Compliance & Licensing
Already licensed for forward mortgages? Your institution is closer to originating reverse than you think — and ReversePilot® keeps compliance built in.
NMLS Licensing
If you hold an active NMLS license for forward mortgages, you already meet the primary licensing requirement. No additional license type is needed to originate HECMs in most states.
HUD Counseling Requirements
All HECM borrowers must complete counseling with a HUD-approved counseling agency before closing. This is a borrower requirement, not a broker requirement — we provide a list of approved counselors for every state.
State-Specific Requirements
Some states have additional advertising rules, disclosure requirements, or training mandates for reverse mortgage originators. Our compliance team provides state-by-state guidance during onboarding.
Advertising Compliance
Reverse mortgage advertising is regulated by HUD, the FTC, and state authorities. Our compliance team helps you understand the rules that apply to reverse advertising so your materials stay within them.
Ready to talk?
Our partnerships team reaches out within one business day.