California's trusted reverse mortgage company serving homeowners 55 and older. Apply for a reverse mortgage, explore our Jumbo Reverse Mortgage programs, or use a reverse mortgage to purchase a new home — all with no required monthly payment. Free, no-obligation analysis from a licensed California reverse mortgage broker near you.
A licensed reverse mortgage specialist will call you within one business day.
Questions? Call us now at (800) 405-6000.
Adjust the sliders below to see an estimate of how much tax-free cash your home equity may provide.
* Estimates only. Actual proceeds depend on current interest rates, property appraisal, program selected, and underwriting. Not a commitment to lend.
Four straightforward steps from inquiry to closing — we guide you every step of the way.
We review your home value, age, and existing mortgage to calculate your estimated proceeds — no obligation.
Required for FHA HECM. California offers a grant to cover the cost. An independent counselor explains your rights and options.
We handle the paperwork. A licensed appraiser confirms your home's value. Underwriting typically takes 3–4 weeks.
Sign at closing. Receive your funds as a lump sum, line of credit, or monthly payments — your choice. No monthly payment required.
We compare multiple programs to find the best fit for your specific situation.
Government-insured program for borrowers 62+. HUD counseling required. FHA mortgage insurance provides non-recourse protection. Lending limit up to $1,209,750.
Private programs for California homeowners starting at age 55. May offer flexibility on property types, lien positions, and higher-value homes.
Designed for homes exceeding FHA limits. Access more equity from high-value California properties. Loan amounts available well above the FHA cap.
Keep your existing low-rate first mortgage and receive additional tax-free cash in second position — no monthly payment required on the reverse portion.
Buy your next primary residence using a reverse mortgage. No monthly payment required. Combine home sale proceeds with HECM funds to purchase.
Access funds when you need them with a growing line of credit. Unused portions grow over time at the same rate as the loan — a powerful retirement planning tool.
We believe in transparency. Here's what you should know before deciding.
Real stories from California homeowners who used Homeowners Mortgage and Equity to secure their retirement.
"Kevin walked us through every step and was incredibly patient. We eliminated our monthly mortgage payment and now have peace of mind on a fixed income. Could not be happier."
"I was nervous about reverse mortgages because of all the myths. Kevin explained everything clearly. We used the Proprietary program at 57 and couldn't believe how smooth the process was."
"Our home was worth $1.4M and we didn't think we'd qualify for enough. The Jumbo Reverse program gave us access to funds we didn't expect. The line of credit is perfect for our retirement plan."
Get a free, no-obligation analysis from a California licensed reverse mortgage specialist. No pressure, no commitment.