I am a Reverse Mortgage Specialist who has been helping seniors in California for many years now. It is a passion and priority of mine to bring quality support in helping you make the decision if getting an Orange County reverse mortgage is the right solution for you. We are with one of the top mortgage lenders in Orange County and would gladly speak to you about your options and how it may benefit you and your family.

Benefits Of a Reverse Mortgage in Orange CountyOrange County Reverse Mortgage Helping Seniors

There are lots of benefits, right here are a few of the most significant:

  • Stay independent and remain in your home
  • A Reverse Mortgage Orange County enables you to stay in your home and retain home ownership.
  • No regular monthly mortgage payments required.
  • You don’t repay a Reverse Home loan nor make any regular monthly home loan payments until you permanently move out of the home.
  • Tax-free cash. Because the cash you get from an Orange County Reverse Mortgage is not considered income, it is tax-free and will not influence your Social Security or Medicare advantages.
  • Flexibility – The cash you obtain from an Orange County Reverse Mortgage is yours to utilize in any way you choose.


How Much Do I Qualify For?

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Is A Orange County Reverse Mortgage a Non-Recourse Loan?

A non-recourse loan is a home loan where a lender may look only to the value of the home for payment of the loan; no other properties may be connected if the loan balance grows beyond the subject property house value. If the initial loan balance, plus any accumulated interest, is greater than the value of your house, neither you, nor your heirs, will be responsible for the difference at the time of sale. Bear in mind though … you should always look after your property taxes, insurance and upkeep!

Can I Still Leave My House To My Heirs?

When you sell your home or no longer use it as your primary home, you or your estate need to repay the loan provider for the money received from the Orange County Reverse Mortgage, plus interest, and other accrued costs. Much like with a standard mortgage any remaining equity belongs to you or your successors. It is very important to bear in mind that you can never owe more than the fair market value of the home when it is sold. None of your other possessions will ever be affected by your Orange County Reverse Mortgage.

Will I Ever Owe More Than My Home Is Worth?

A Reverse Mortgage Orange County is a non-recourse home loan where a lender may look only to the value of the home for payment of the loan; no other properties may be connected if the loan balance grows beyond the subject property house value. If the initial loan balance, plus any accumulated interest, is greater than the value of your house, neither you, nor your heirs, will be responsible for the difference at the time of sale. Bear in mind though … you should always look after your property taxes, insurance and upkeep

What Charges Are Involved In An Orange County Reverse Mortgage?

Many Reverse Home loans can have an origination charge, 3rd party closing costs (such as appraisal, title and escrow), insurance coverage, and some could have a monthly servicing cost. These charges can be paid through escrow resulting in no out of pocket money to the borrowers; the expenses are added into the loan.

If you have any questions regarding an Orange County Reverse Mortgage, please call me at 800-887-7567.