Get an accurate, instant estimate of your potential proceeds with our advanced calculator. No personal information required.
Calculating your personalized estimate...
Based on your inputs, here's what you may qualify for:
Total principal limit available
Existing mortgage to be paid
Estimated closing expenses
Net proceeds available to you
Receive all funds at closing. Best for large expenses or paying off existing mortgage.
Steady monthly payments for life. Supplement your retirement income.
Access funds as needed. Unused portion grows over time!
See how your loan balance grows over time with interest
| Year | Loan Balance | Home Value | Remaining Equity |
|---|
Speak with a licensed California reverse mortgage specialist to get a detailed, personalized quote.
These estimates are for informational purposes only and not a commitment to lend. Actual proceeds vary based on: (1) final home appraisal value, (2) current interest rates at closing, (3) actual closing costs from service providers, and (4) mandatory counseling requirements. This calculator uses estimated rates and standard fees. Life Expectancy Set-Aside (LESA) may reduce available cash if required by financial assessment. NMLS# 2125432. Equal Housing Lender. All borrowers must meet FHA requirements and maintain property taxes, insurance, and home maintenance.
Calculating your personalized estimate...
Based on your inputs, here's what you may qualify for:
Total principal limit available
Existing mortgage to be paid
Estimated closing expenses
Net proceeds available to you
Best for: High-value California homes, especially in LA, Orange County, and Bay Area.
Best for: FHA-insured protection, government-backed security, non-borrowing spouse safeguards.
Based on your home value and age, we recommend discussing both options with our specialists.
Receive all funds at closing. Ideal for investment properties, debt payoff, or large purchases.
Guaranteed monthly income for life. Perfect for retirement income supplementation.
Maximum flexibility. Draw funds when needed with growth potential!
See how your loan balance grows over time with interest
| Year | Loan Balance | Home Value | Remaining Equity |
|---|
Our experts specialize in high-value California properties. Get personalized guidance for your unique situation.
These estimates are for informational purposes only and not a commitment to lend. Jumbo reverse mortgages are proprietary products with different terms than FHA-insured HECMs. Actual proceeds vary based on: (1) final home appraisal value, (2) current interest rates at closing, (3) actual closing costs, and (4) lender-specific requirements. No FHA mortgage insurance required. Borrowers must meet minimum credit score (typically 640+), demonstrate ability to pay property taxes and insurance, and maintain the home. Property must be primary residence. NMLS# 2125432. Equal Housing Lender.
NMLS# 2125432
Licensed & Regulated
Secure Calculation
No Personal Info Required
10+ Years
California Experience
Equal Housing
Opportunity Lender
Just 4 simple inputs to see your potential cash available. Takes less than 60 seconds.
Enter the age of the youngest borrower. Older age = more available cash. Age 62 minimum, 85+ receives maximum proceeds.
Current estimated value of your California home. Median is $829,700 (up 56% since 2020). Higher values may qualify for jumbo programs.
What you currently owe on your home. Your existing mortgage is paid off first, then remaining equity becomes available to you.
Your California location determines FHA limits. $1,149,825 (standard counties), $1,249,125 (LA, SF, OC, SD areas).
Ready to find out how much equity you can access from your California home?
✅ Available Cash after mortgage payoff
✅ Closing Costs (2-5% of home value)
✅ Remaining Equity for your heirs
✅ HECM vs Jumbo comparison
See 60% disbursement cap explained clearly
Heirs never owe more than home value
Portfolio hedging & Social Security strategies
Accurate estimates: $8,000-$15,000
FHA and Jumbo program limits vary by California county
| County Type | FHA Limit | Jumbo Limit |
|---|---|---|
| Standard CA Counties | $1,149,825 | Up to $4M |
| High-Cost (LA, SF, OC, SD) | $1,249,125 | Up to $6M |
A 70-year-old in San Diego with a $900,000 home and $200,000 mortgage balance could receive approximately $380,000 in available cash after closing costs.
Flexible ways to receive your funds – select what works best for your retirement goals
Receive up to 60% of proceeds at closing. Remaining funds available after 12 months. Best for immediate expenses or debt payoff.
Grows annually at rate + 1.25%. Unused funds compound over time. Most popular for strategic retirement planning.
Tenure (lifetime) or Term (fixed period). Supplement retirement income with guaranteed monthly cash flow.
Mix options together. Take lump sum for immediate needs, keep line of credit for future emergencies.
✅ Home value exceeds $1,249,125
✅ Need more than HECM maximum proceeds
✅ Age 60-61 (some programs start earlier)
✅ Non-FHA-approved condo
Beverly Hills • Malibu • San Francisco • Newport Beach • La Jolla • Palo Alto • Carmel
Stop paying $3,000+ monthly mortgage payments. Redirect funds to healthcare, travel, or grandchildren's education.
Increase benefits by 8% annually until age 70. Use reverse mortgage income as a bridge from 62-70.
Avoid selling stocks in down markets. Preserve investment portfolio by using home equity during volatility.
California averages $6,500/month for caregivers. Fund aging-in-place without depleting savings.
Access equity without triggering Prop 13 reassessment. Maintain your low property tax base.
Required HUD-approved session ($125-$225). Ensures you fully understand all terms before proceeding.
3-day federal cooling-off period. California offers extended consumer protection for review time.
FHA ensures heirs never owe more than home's sale price. No debt passed to family members.
All lenders licensed by California Department of Real Estate. Additional state-level consumer protection.
Get instant estimate (no personal info needed)
Email yourself the breakdown
CA-licensed specialists (NMLS# 2125432)
HUD-approved session ($125-$225)
Typically 30-45 days
You built something real over the decades you have lived in your California home. Now it is time for that home to take care of you. The consultation is free, there is no obligation, and we will never pressure you into a decision that is not right for your situation.
243 S Escondido Blvd Suite 2004
Escondido, CA 92025
(888) 887-0492
Mon to Fri 8 AM to 6 PM
contact@californiareversemortgage.us
