Secure Your Retirement Today
If you are a California homeowner aged 62 or older, your home equity is likely the largest financial asset you have in retirement. At California Reverse Mortgage, we help you use it without selling your home, without moving, and without making a monthly mortgage payment. Homeowners aged 55 and older may qualify through our proprietary programs.
We serve San Diego, Los Angeles, Riverside, Orange County, San Bernardino, Escondido, and all 58 California counties.
Eligible CA Homeowners Age 62+
California Median Home Value (2026)
2026 FHA HECM Lending Limit
California Counties Served
CEO | CA Reverse Mortgage Broker
Led by Adam Kelley | NMLS #2125432 | Dedicated California Reverse Mortgage Brokers
At California Reverse Mortgage, we believe every senior deserves honest guidance, not a sales pitch. Led by Adam Kelley (NMLS #2125432, CA DRE #01905780), our team works exclusively with California homeowners who want to understand their options without pressure, hidden fees, or confusing fine print. We are not a national call center. Every call goes directly to a licensed California reverse mortgage specialist who knows your local market.
California’s housing market has its own set of rules that national lenders often get wrong. That includes Proposition 13 property tax protections, high-value coastal properties in Los Angeles and Orange County, equity-rich communities in Riverside and San Bernardino, and the HUD guidelines that apply specifically to California reverse mortgages. That local knowledge means faster closings, fewer delays, and better results for California homeowners.
Every fee is disclosed before you commit to anything. No hidden costs, no fine print. Just clear loan numbers, honest conversations, and real support that continues after your California reverse mortgage closes.
Every California homeowner’s financial situation is different. Whether you want to cut monthly expenses, add income in retirement, or pay for home improvements, there is a reverse mortgage program in California built for your specific need.
A California reverse mortgage pays off your existing mortgage at closing. Your monthly payment goes away on day one. That puts hundreds or thousands of dollars back in your pocket every single month without requiring you to sell or leave your home.
You can receive a monthly payment, set up a line of credit that grows over time, or take a one-time lump sum. A HECM reverse mortgage in California gives seniors several ways to bring home equity into their retirement cash flow without touching savings or selling investments.
Use your California home equity to cover repairs, accessibility upgrades, or renovation costs. Ramps, grab bars, bathroom modifications, kitchen updates, or full remodels: the money comes from your equity, and you stay in the home you have spent years building.
Healthcare costs in California continue to rise every year. A reverse mortgage gives you a way to meet those costs, help family members, or keep a financial cushion in place without selling your home or drawing down your retirement accounts.
Over 10 Years of Results, Transparency and No-Pressure Advice for California Seniors
We have spent more than a decade working exclusively on California reverse mortgages. That means we know the home values in San Diego, Los Angeles, the Bay Area, and the Inland Empire. We know how Proposition 13 interacts with reverse mortgage requirements. And we know how to close loans quickly without the delays that large national lenders routinely cause.
California Families Served
Home Equity Unlocked
Approval Rate
Years in California
For California homes worth more than $1,249,125, our Jumbo Reverse Mortgage programs provide loan amounts up to $4 million or more with no FHA mortgage insurance premiums. Built for high-value properties in Los Angeles, Orange County, San Francisco, and San Diego. Age 55 and older may qualify.
We run side-by-side comparisons covering HECM, Jumbo, and Proprietary programs so you see exactly what each option costs and delivers. Origination fees, closing costs, and insurance premiums are all on the table from the very first call.
We handle all paperwork, coordinate the HUD counseling session, and manage the FHA appraisal from start to finish. Our California-only process is built to close on time without the delays that large national lenders routinely cause.
If your equity, age, or goals do not make a reverse mortgage the right move, we will tell you that clearly before you spend any time or money. That honesty is what keeps our California clients sending their family and friends to us.
Find out how much equity you can access from your California home.
Our licensed California reverse mortgage specialists match you with the right program based on your home value, age, location, and retirement goals.
FHA-Insured with No Monthly Payments
Access Up to $4 Million for High-Value Homes
Buy a New Home with No Monthly Mortgage Payment
Age 55 and Older Program
Access More Equity After Appreciation
The Most Affordable Option
Our licensed specialists review your full picture and recommend the program that gives you the most benefit.
We handle the paperwork and coordinate every step so the process is clear and free of stress.
A California reverse mortgage specialist reviews your home value, retirement goals, and program options. You get a real preliminary estimate with zero obligation. Available by phone, video call, or in person at our Escondido office.
Complete your application by phone, online, or in person. Federal law requires a one-time independent session with a HUD-approved counselor, typically 60 to 90 minutes. We give you a list of California HUD-approved counselors and help you schedule quickly.
A licensed FHA appraiser visits your home to confirm market value and set your maximum loan amount. Appraisal fees in California typically run between $400 and $800 and can be financed into the loan.
We submit your complete file for lender underwriting. The lender also confirms your ability to maintain property taxes, homeowner's insurance, and any HOA fees going forward as required under California reverse mortgage guidelines.
You review and sign your final documents. Most California closings use a mobile notary who comes to your home. Federal law gives you a 3-business-day period to cancel after signing if you change your mind.
Your loan funds three business days after closing. Choose how to receive your equity: a lump sum, monthly payments, a growing line of credit, or a mix of all three based on your retirement income needs.
Plain answers to the questions California homeowners ask us most often. No jargon. No sales language.
Thousands of California homeowners have used their home equity to build a stronger retirement. Find out if you qualify.
Your consultation is completely free. No obligation, no pressure, and no commitment required. Our California reverse mortgage specialists will answer every question, go through your numbers, and give you an honest assessment of whether a reverse mortgage is the right move for your situation.
California home values are near all-time highs. That means homeowners across San Diego, Los Angeles, Riverside, and the Bay Area have more accessible equity today than at almost any point in recent history. Call us to find out exactly what you qualify for.