Helping seniors across Encinitas, Carlsbad, and San Diego access their home equity — safely, clearly, and on their terms.
A reverse mortgage — most commonly a Home Equity Conversion Mortgage (HECM) — allows homeowners age 62 or older to convert a portion of their home equity into cash. Unlike a traditional mortgage, there are no monthly mortgage payments required. The loan is repaid when the home is sold, the borrower moves out, or passes away.
FHA insures HECM loans, which means your loan is backed by the federal government and comes with important consumer protections. You retain ownership of your home throughout the life of the loan.
Lump Sum — Receive the full available amount at closing. Best for paying off an existing mortgage or large one-time expenses.
Monthly Payments — Receive a set amount each month for a fixed term or as long as you live in the home. Excellent for supplementing retirement income.
Line of Credit — Access funds as needed. Unused portions actually grow over time, giving you more access the longer you wait.
Combination — Mix and match options to fit your specific retirement plan.
❌ "The bank owns my home." — False. You remain on title and retain full ownership. The lender holds a lien, just like a traditional mortgage.
❌ "My heirs will inherit debt." — False. Reverse mortgages are non-recourse loans. If the home sells for less than the loan balance, FHA insurance covers the difference. Heirs are never personally liable.
❌ "I could be forced out of my home." — Only if you fail to meet basic requirements: live in the home as your primary residence, keep up with property taxes and insurance, and maintain the property.
A reverse mortgage isn't right for everyone — and I'll be honest with you about that. But for many San Diego seniors with significant home equity and a desire to stay in their home, it can be a powerful retirement planning tool. Let's talk through your specific situation before you decide anything.
I specialize in reverse mortgages and will give you straight answers — not a sales pitch.
858-472-2053"Mike was patient, thorough, and never made us feel rushed. He explained every detail of our reverse mortgage until we were fully comfortable. We couldn't be more pleased."
Watch my full 20-minute webinar where I walk through everything you need to know about reverse mortgages — in plain English, no jargon.
I'm happy to answer anything the webinar didn't cover — free, no pressure.
Schedule a Free Call 📞 858-472-2053A quick 60-second look at one of the most flexible reverse mortgage options available.
One of the most powerful features of a reverse mortgage is how you can choose to receive your funds — lump sum, monthly payments, a line of credit, or a combination. This short clip walks through the flexibility available to you.
Explore Your Options — FreeWe review your home value, equity, age, and financial goals to see if a reverse mortgage fits.
Required by law — an independent HUD-approved counselor reviews the loan with you.
We submit your application and order a home appraisal to determine your loan amount.
The lender reviews all documents. I stay in close contact to keep things moving quickly.
Sign your documents, wait 3 business days (right of rescission), and receive your funds.
A no-pressure conversation to see if a reverse mortgage makes sense for you.
Schedule a Free Call