Private reverse mortgage · California · The jumbo expert

You built the equity.
We help you access it.

Unlock up to $4 Million of equity — no monthly mortgage payments.

Reverse Mortgage Eligibility

See how much equity you have available.

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A retired California couple standing proudly in front of the Spanish-style home they own
The basics

What is a reverse mortgage?

A reverse mortgage lets California homeowners aged 55 and older convert home equity into tax-free cash with no monthly mortgage payments. You keep ownership and stay in your home, while remaining responsible for property taxes, insurance, and upkeep.

A retired California couple holding hands on the porch of the home they own — a reverse mortgage lets them stay while unlocking tax-free equity

For many retirees it supplements income, covers healthcare, and makes aging in place possible.

  • check_circleFor homeowners 62+ (jumbo from 55)
  • check_circleTax-free cash — lump sum, monthly, or credit line
  • check_circleNo monthly mortgage payments
  • check_circleYou keep the title to your home
  • check_circleFHA-insured (HECM) and jumbo options
Calculate your equity
Our solutions

Tailored reverse mortgage solutions

We offer a full suite of reverse mortgage products tailored to your specific financial goals.

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FHA Insured HECM

The classic Home Equity Conversion Mortgage. Government-insured, flexible payment options.

 Jumbo home

Proprietary Jumbo Reverse

A proprietary jumbo reverse mortgage for high-value homes. Access significantly more equity.

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Second Lien Reverse Mortgage

Tap into your equity without disturbing your low-rate first mortgage.
A California bungalow kept in the family through a jumbo reverse mortgage trust buyout

Unlock up to

$4M

California property division solutions

High-net-worth buyouts: keep the family home

Are you navigating a gray divorce or settling a multi-million-dollar family trust? Learn how California homeowners (aged 55+) use Proprietary Jumbo Reverse Mortgages to unlock up to $4 million in liquid equity for a 50/50 buyout — without taking on monthly mortgage payments.

Learn how buyouts work
A retired California couple reviewing reverse mortgage documents at their kitchen table — education before any application
No pressure

Education first, application second

Our “No-Pressure” promise: we take the time to explain the pros, cons, and mechanics of a reverse mortgage before you ever sign a thing.

  • check_circleDetailed amortization schedules so you see the full picture
  • check_circleHeir protection analysis for your family’s peace of mind
  • check_circleA clear benefit vs. cost breakdown
Explore retirement strategies
The S.O.S. broker advantage

Your path to tax-free liquidity

Don’t settle for a single bank’s rates. As your broker, we navigate the entire marketplace to structure your perfect payout. Here is the typical step-by-step journey to funding.

1

Instant estimate

See your potential equity release in under 60 seconds. No credit pull required.

2

Custom strategy

We shop top Jumbo & FHA lenders to structure the highest possible payout tailored to your retirement goals.

3

Independent protection

Complete a session with an independent 3rd-party counselor — a mandatory consumer protection designed strictly for your benefit — followed by an appraisal.

4

Final funding

Sign your final closing documents and receive your tax-free cash lump sum or line of credit.

Client reviews

What our clients say

Trusted by California homeowners in Los Angeles, San Diego, San Jose, San Francisco, Sacramento, and communities statewide.

Good to know

Top Reverse Mortgage FAQs

Straight answers to the reverse mortgage questions we hear most.

Who qualifies for a reverse mortgage?
Homeowners 62+ qualify for the FHA-insured HECM, and some Californians as young as 55 qualify for jumbo programs.

Can I get a reverse mortgage at 55 in California?
Yes. While the FHA-insured HECM requires all borrowers to be 62 or older, proprietary jumbo reverse mortgage programs available in California start at age 55.

How much money can I get from a reverse mortgage?
It depends on your age, home value, and current rates — generally, the older you are and the more equity you hold, the more you can access.

What is the difference between a HECM and a jumbo reverse mortgage?
A HECM is FHA-insured with federal lending limits; a jumbo reverse is a private program for higher-value California homes above those limits.

Are there monthly mortgage payments?
No. A reverse mortgage has no required monthly mortgage payments. You remain responsible for property taxes, homeowners insurance, and upkeep.

Do I still own my home?
Yes. You keep the title and ownership of your home. The loan becomes due when the last borrower permanently leaves the home.

Related resources

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Live the Retirement You Deserve

Unlock your home’s equity without monthly mortgage payments. Talk with our California reverse mortgage team today.

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