Whether your home is worth $400,000 or $4 million, we have a program that turns your equity into cash flow, with no monthly payments and full ownership protection.
The HECM is the most trusted reverse mortgage in the U.S., insured by the Federal Housing Administration and regulated by HUD. It is available to California homeowners aged 62 and older, with the 2026 lending limit set at $1,249,125.
You keep the title to your home and receive funds as a monthly check, a line of credit, a lump sum, or any combination, with no required monthly payments as long as you live there.
2026 FHA Lending Limit for California HECM loans
Minimum age requirement for the standard HECM program
Required monthly mortgage payments while you live in your home
Annual growth rate of an unused HECM line of credit
Best for homes valued under $1,249,125
Best for luxury properties $1.2M – $4M+
Best for seniors buying a new California home
Best for early retirees and unique properties
Best for existing reverse mortgage borrowers
Best for limited-income seniors with specific needs
From your first call to closing, most California clients are done in 30 to 45 days.
Call or submit a form. Adam Kelley reviews your home value, age, and goals — no pressure, no commitment.
A required one-hour session with an independent, government-approved advisor. Costs $125–$225 and protects your interests.
We order a licensed home appraisal. Underwriting typically takes 2–4 weeks with our streamlined California process.
Sign your documents, complete the 3-day rescission window, and your funds are disbursed on your chosen schedule.
At least one homeowner must be 62+ for HECM; 55+ for select Jumbo programs
The home must be your main residence, single-family, FHA-approved condo, or manufactured home
Generally need 50%+ equity in the property, most long-term California homeowners easily qualify
Lender verifies sufficient income to cover property taxes and insurance, not a strict credit check
Most California homeowners who have owned their property for five or more years already meet every requirement. The main factors are your age, how much equity you hold, and that the home is where you live, not your credit score.
The financial assessment does not require perfect credit. The lender checks that you have enough residual income to keep up with property taxes and insurance. If you have a manageable existing mortgage, a HECM can pay it off at closing and free up even more monthly cash.
California's Prop 13 means getting a reverse mortgage does
not
reset your property taxes to current market value, your existing low tax base stays protected.
Real feedback from homeowners across San Diego County and beyond.
Happy Clients
CA Counties Served
Out-of-Pocket at Closing
A 15-minute call with Adam is all it takes to get a real estimate based on your home’s value, your age, and current California market rates. No obligation. No pressure. Just honest numbers.
243 S Escondido Blvd Suite 2004
Escondido, CA 92025
CA DRE #01905780 · NMLS #2125432
