SoCal Reverse MortgageServing All of Southern California
FHA-Insured Loan You Keep Your Home No Monthly Payments

Get money from your home.
Keep living in it.

If you are 62 or older and own your Southern California home, you can turn part of its value into cash. No monthly mortgage payments.

See How Much I Could Get How Does It Work?

Free. No pressure. Nothing to sign today.

The Simple Version

Three things to know

A reverse mortgage sounds complicated. It is really just this:

You get cash

Your home is worth a lot. This loan pays you part of that value now, while you still live there.

You pay nothing monthly

There is no monthly mortgage bill. The loan is paid back later, from the home, when you leave it.

Your home stays yours

Your name stays on the title. You live in your home as long as you want.

Three Easy Steps

How it works

Most people finish all three steps in about a month.

1

Get your free estimate

Answer two questions below. We show you roughly how much you could get. Free, and no pressure.

2

Talk to an independent counselor

The law requires a short talk with a government-approved counselor who does not work for us. They make sure this is right for you.

3

Get your money

Your old mortgage gets paid off first. The rest comes to you: all at once, monthly, or saved for later. Your choice.

Free Estimate

How much could you get?

Two questions. Ten seconds. No personal information needed to see your estimate.

How old are you?

If two of you own the home, pick the younger person's age.

A Quick Check

Is this right for me?

A reverse mortgage usually fits if all three of these are true:

I am 62 or older
I own my home, or most of it is paid off
I live in it and plan to stay

That's Me. Show My Estimate

Honest Answers

The questions everyone asks

Click any question to see the answer.

Will the bank take my house?
No. Your name stays on the title. As long as you live there, pay your property taxes and insurance, and keep the house in decent shape, the home is yours.
How much money can I get?
Usually between a third and a half of what your home is worth. Older homeowners get more. Use the free estimate above to see your range.
Do I have to pay anything every month?
No monthly mortgage payment, ever. You still pay your property taxes and home insurance, like you do now. The loan is paid back from the home later, when you leave it.
What happens to my kids and the house?
Your family chooses: keep the house by paying off the loan, sell it and keep whatever is left over, or simply walk away. They can never inherit debt from this loan. That is a government guarantee. Read the full story here.
Is this some kind of scam?
Fair question. The loan itself is a government-insured program (FHA) that has existed since 1988. The law even requires you to talk with an independent counselor first, and California gives you a 7-day think-it-over period after that. Anyone who rushes you is breaking the rules. Here are your protections.
What's the catch?
The honest catch: the loan grows over time, so there is less left for your family when the home is sold. You trade some of tomorrow's inheritance for money you can use today. For some families that trade is right, for some it is not. The costs, explained simply.
Take Your Time

Want to read more first? Smart.

Everything, explained in plain English. Share these with your family.

How reverse mortgages actually work

Who qualifies, what it costs, and how you get paid.

Read the guide →

What happens to your house and your kids

The question every family asks first, answered honestly.

Read the guide →

Your protections under California law

The counseling rule, the 7-day wait, and your rights.

Read the guide →