Justin Bundy- The Reverse Mortgage Guy

Utah's Most 5-Star Reviewed Reverse Mortgage Specialist

Justin Bundy is a licensed Utah Mortgage Loan Originator (NMLS #933889) who has been originating loans since 2012 and specializes exclusively in reverse mortgages. Based in St. George, Utah, Justin works with homeowners 62 and older across the state to help them understand whether a reverse mortgage fits their retirement plan, and to guide them through the process personally from first conversation to closing.

Justin has more personal 5-star Google reviews than any other individual reverse mortgage specialist in Utah, a distinction built one client relationship at a time. Rather than working as part of a large call-center operation, Justin personally handles every loan he originates, meaning the person you speak with on your first call is the same person guiding you through underwriting, closing, and every question in between.

Why Reverse Mortgages, Specifically

Justin didn't start out planning to specialize in reverse mortgages. It happened because of the clients themselves. Early in his career working with a broader range of loan types, he found that his reverse mortgage clients stood out, the conversations were different, more personal, and the relationships that formed were far more rewarding than anything else he'd worked on. He also noticed something else: this group of homeowners is often targeted by lenders who don't have their best interest at heart, and Justin wanted to be the person who did things differently, offering options that were genuinely fair and genuinely the best fit for each client.

Reverse mortgages also simply take more time to do right. Justin has the patience for that, and honestly, he loves the work. Every client's situation is different, and getting to understand someone's actual goals before ever talking numbers isn't a formality to him, it's the part of the job he finds most rewarding.

Credentials & Verification

A Personal, Local Approach

Justin lives and works in St. George and works with clients throughout Utah, including Salt Lake City, Provo, and Ogden, primarily by phone so he can dedicate focused, unhurried time to each conversation.He believes the biggest difference between a good reverse mortgage experience and a stressful one isn't the loan program itself, since most lenders offer similar federally insured products, but the quality of guidance behind it. That means taking the time upfront to understand each client's actual situation and goals before discussing numbers or programs, encouraging the required HUD counseling session rather than rushing past it, and being available to answer questions well after closing.