1-877-740-9840  yhtwar@allfinsvs.com

About Us

Company Background

All Financial Service LLC, was established in 1999 and we have been located at our  Owings Mills, Maryland Office since September, 2009. Our experienced and dedicated management staff has over 50 plus years experience in the Financial and Mortgage industry. Our management staff and our reverse Mortgage loan officers are natives of Maryland and Washington DC. Our parents and children have grown up in this area and we are proud to provide our services to the population of Maryland, Pennsylvania, Washington DC, and New Jersey.

A. Bill Dent – President / President:
My personal interests primarily involve my 2 kids (both boys) who are 20 and 18 yrs of age. When the opportunity presents itself, I love to watch movies, play golf, work out and ride my bicycle (ride/pedal over 100 miles per week). I also attend the Baltimore Ravens home games and have been a season ticket holder for 12 years. I enjoy cooking healthy meals, eating good food at new places, but I have to be careful not to overindulge because I compete in local and regional bicycle (ten speed) races.

With regards to my professional career, I have been in the mortgage and finance business for 24 years. I have a college degree in Mathematics. My past experience includes managing a branch office for a “Fortune 500” finance company, selling loans on the secondary market, managing an underwriting department for Nations Bank and serving as VP of Operations for a mid size mortgage company before starting this company.

My greatest joy comes from helping people in need to realize and achieve their financial goals.

B. Yelin Htwar – V.P. of Sales & Marketing:
I grew in Baltimore and Carroll County, and now reside in Carroll County. I’m a fan of the Ravens and the Redskins and also a huge fan of the Maryland Men’s and Women’s basketball program. Go Terps! I’ve also lived in the DC, Northern Virginia area for about 10 years after college, so I am very familiar with this tri state area. I enjoy cooking and eating good food, watching movies, and spending time with my family and friends.

I’ve been in the field of Finance for over 20 years and with the company for 12 years. I have a B.S.B.A. from the American University with the concentration in Finance and an M.B.A. from Loyola College with the concentration in Finance.  I’ve been through the many cycles of the mortgage industry so I am able to educate the first time home buyer as well as speak to a homeowner who has owned his or her home for over 10 to 15 years and looking to refinance or buy a rental property or buy their second home.  Each client has a different amount of knowledge and we are able to work and relate to all of our clients.

With regard to the Reverse Mortgage, I believe in the overall benefits of the Reverse Mortgage as long as it is financially suitable for the Senior Home owner. Furthermore, I truly enjoy the relationships that we build with our senior homeowner clients throughout the reverse mortgage process and currently keep in touch with many of them after the loan has settled.


We currently provide mortgage services and consulting in District of Columbia, New Jersey, Maryland, and Pennsylvania.

Licensed in California by the Department of Business Oversight, State of California Pursuant to and in compliance with the California Finance Lenders Law; # 60DBO59592, NMLS # 528105

Licensed by the Pennsylvania Dept. of Banking: License # 35801 NMLS # 528105

Licensed by the D.C. Dept. of Insurance, Securities, and Banking: License # MLB528105 NMLS # 528105

Licensed by the Maryland DLLR / Commissioner of Financial Regulation: License # 19683:  NMLS # 528105

Licensed by the Virginia State Corporation Commission: License # MC-5886: NMLS #528105

Licensed by the Florida Office of Financial Regulation: License # MBR-1789: NMLS #528105

For more licensing information please visit www.nmlsconsumeraccess.org