Your home has been paying you back all along.
A reverse mortgage lets California homeowners 62+ turn home equity into usable cash — with no monthly mortgage payment for as long as you live there. You still need to pay your property taxes and homeowners insurance.
One less payment. A lot more room to breathe.
No monthly mortgage payment means the equity you've built starts working for the life you're living now — not just the one you're planning to leave behind.
Stay in your home
Age in place with the security of extra cash on hand for in-home care if you ever need it.
Cover medical costs
Handle out-of-pocket healthcare expenses without touching your investment accounts.
Travel, freely
Fund the trips you've been postponing — on a schedule that works for you, not your mortgage due date.
Help the grandkids
Set money aside for education or a first home — on your terms, while you're here to see it matter.
Four steps, start to funding.
A reverse mortgage is a regulated, HUD-counseled process — not a same-day decision. Here's exactly what it looks like.
Apply
Tell us about your home and goals. No income or credit-score minimums to get started.
HUD Counseling
A required, independent session confirms this is the right fit before you move forward.
Appraisal & Approval
We confirm your home's value and finalize the loan amount and payout structure.
Funds Released
Choose a lump sum, line of credit, or monthly payments — or a combination of all three.
Most people get reverse mortgage advice from whoever's selling them the loan. I hold both a real estate broker's license and a background in fiduciary financial advisory — so the guidance and the execution come from the same place.
Licensed & regulated
NMLS #1781487, California DRE #01152507. Every reverse mortgage is FHA-insured and requires independent HUD counseling before you commit.
You never owe more than the home is worth
Reverse mortgages are non-recourse loans — FHA insurance covers any gap, so your heirs are never on the hook for a shortfall.
Jumbo options for higher-value homes
Bay Area home values often exceed the standard HECM limit — we also originate proprietary jumbo reverse mortgages up to $4M.
Straight answers, no pressure
We'll tell you plainly if a reverse mortgage isn't the right fit for your situation — that's part of the job.
Higher home values, bigger goals.
Two paths worth knowing about if the standard HECM limit doesn't fit your situation.
Jumbo Reverse Mortgages
For homes valued above the $1,249,125 HECM limit, proprietary jumbo reverse mortgages access up to $4M in home equity — common across the Peninsula, Marin, and coastal California.
Learn About Jumbo →HECM for Purchase
Buying a new primary residence? Combine a larger down payment with reverse mortgage proceeds to move into your next home with no monthly mortgage payment from day one.
Learn About Purchase →What homeowners ask us first.
What happens to the loan when I die?
Your heirs can pay off the loan balance to keep the home, sell the home to pay off the loan and keep any remaining equity, or walk away with no further obligation. Because it's a non-recourse loan, they'll never owe more than the home is worth.
Do I still own my home?
Yes. You keep the title and full ownership. A reverse mortgage is a loan against your equity, not a sale of the home — you're still responsible for property taxes, insurance, and upkeep.
Is a reverse mortgage a scam?
No — HECMs are FHA-insured, federally regulated loans that require an independent HUD counseling session before you can apply, specifically to protect borrowers. Like any loan, it has real costs, which is exactly what that counseling session is designed to walk through with you.
What are the costs involved?
Reverse mortgages carry origination fees, closing costs, and mortgage insurance premiums, most of which can be financed into the loan itself rather than paid out of pocket. We'll walk through the exact numbers for your situation before you commit to anything.
Can I still leave my home to my children?
Yes. Your heirs have the right to pay off the loan balance and keep the home, exactly as they would with a traditional mortgage. Many families plan for this by discussing options together in advance.
Ready to see your numbers?
No obligation, no pressure — just a clear picture of what's available to you.