How to Get a Reverse Mortgage in California

california reverse mortgage loanCalifornia Reverse Mortgages are extremely popular and have been since the inception of the HECM (Home Equity Conversion Mortgage) Program. The HECM is the most popular reverse loan program in California. With a California HECM reverse mortgage, you have several options to choose from including fixed rates, adjustable rates and purchase reverse mortgages.

Do FHA Reverse Mortgages in California Work?

Californians are really seeing a benefit due to the Government’s passing of the American Recovery and Reinvestment Act of 2009, which increased the national reverse mortgage lending limit to $625,500. What that means to seniors looking to get a California reverse mortgage is an increase in the total benefit available to them.

The major cities of California we serve include Los Angeles, San Francisco, Sacramento, San Diego, Redding, Fresno, Riverside, Long Beach, San Jose, Oakland and Santa Ana.

We also serve every city in between, including, Auburn.

For comprehensive reverse mortgage information, please see the links to the left and above. If you would like someone to contact you, please fill out the form to the right.

California HECM Reverse Mortgage Numbers

California HECM Originations
HUD Field OfficeTotal Area Originations
SANTA ANA8,643
SAN FRANCISCO8,381
SAN DIEGO3,423
SACRAMENTO5,041
LOS ANGELES12,544
FRESNO2,582
Total for CALIFORNIA: 40,614

The above chart shows HECM Loans Originated in CALIFORNIA rolled up to the HUD Field Office level Performance Period: Displaying HECM loans that were endorsed within the past year Data shown includes all cases with beginning endorsement date between February 01, 2008 and January 31, 2011. Data sorted by Area Name in Descending Order. Data Source: HUD Neighborhood Watch

Considering a Non-FHA Reverse Mortgage in California?

We do have jumbo reverse mortgages available. Contact us to learn more.

California Links of Interest: Department of Real Estate | California Department of Corporations

Below is a list of all the cities in which we offer California HECM reverse mortgages:

City Name
AdelantoCotatiIrvineOakleySanta Barbara
Agoura HillsCovinaIrwindaleOceansideSanta Clara
AlamedaCrescent CityIsletonOjaiSanta Clarita
AlbanyCudahyJacksonOntarioSanta Cruz
AlhambraCulver CityKermanOrangeSanta Fe Springs
Aliso ViejoCupertinoKing CityOrange CoveSanta Maria
AlturasCypressKingsburgOrindaSanta Monica
AmadorDaly CityLa Canada FlintridgeOrlandSanta Paula
American CanyonDana PointLa HabraOrovilleSanta Rosa
AnaheimDanvilleLa Habra HeightsOxnardSantee
AndersonDavisLa MesaPacific GroveSaratoga
Angels CampDel MarLa MiradaPacificaSausalito
AntiochDel Rey OaksLa PalmaPalm DesertScotts Valley
Apple ValleyDelanoLa PuentePalm SpringsSeal Beach
ArcadiaDesert Hot SpringsLa QuintaPalmdaleSeaside
ArcataDiamond BarLa VernePalo AltoSebastopol
Arroyo GrandeDinubaLafayettePalos Verdes EstatesSelma
ArtesiaDixonLaguna BeachParadiseShafter
ArvinDorrisLaguna HillsParamountShasta Lake
AtascaderoDos PalosLaguna NiguelParlierSierra Madre
AthertonDowneyLaguna WoodsPasadenaSignal Hill
AtwaterDuarteLake ElsinorePaso RoblesSimi Valley
AuburnDublinLake ForestPattersonSolana Beach
AvalonDunsmuirLakeportPerrisSoledad
AvenalEast Palo AltoLakewoodPetalumaSolvang
AzusaEl CajonLancasterPico RiveraSonoma
BakersfieldEl CentroLarkspurPiedmontSonora
Baldwin ParkEl CerritoLathropPinoleSouth El Monte
BanningEl MonteLawndalePismo BeachSouth Gate
BarstowEl SegundoLemon GrovePittsburgSouth Lake Tahoe
BeaumontElk GroveLemoorePlacentiaSouth Pasadena
BellEmeryvilleLincolnPlacervilleSouth San Francisco
Bell GardensEncinitasLindsayPleasant HillSt. Helena
BellflowerEscalonLive OakPleasantonStanton
BelmontEscondidoLivermorePlymouthStockton
BelvedereEtnaLivingstonPoint ArenaSuisun City
BeniciaEurekaLodiPomonaSunnyvale
BerkeleyExeterLoma LindaPort HuenemeSusanville
Beverly HillsFairfaxLomitaPortervilleSutter Creek
Big Bear LakeFairfieldLompocPortolaTaft
BiggsFarmersvilleLong BeachPortola ValleyTehachapi
BishopFerndaleLoomisPowayTehama
Blue LakeFillmoreLos AlamitosRancho CordovaTemecula
BlytheFirebaughLos AltosRancho CucamongaTemple City
BradburyFolsomLos Altos HillsRancho MirageThousand Oaks
BrawleyFontanaLos AngelesRancho Palos VerdesTiburon
BreaFort BraggLos BanosRancho Santa MargaritaTorrance
BrentwoodFort JonesLos GatosRed BluffTracy
BrisbaneFortunaLoyaltonReddingTrinidad
BuelltonFoster CityLynwoodRedlandsTruckee
Buena ParkFountain ValleyMaderaRedondo BeachTulare
BurbankFowlerMalibuRedwood CityTulelake
BurlingameFremontMammoth LakesReedleyTurlock
CalabasasFresnoManhattan BeachRialtoTustin
CalexicoFullertonMantecaRichmondTwentynine Palms
California CityGaltMaricopaRidgecrestUkiah
CalimesaGarden GroveMarinaRio DellUnion City
CalipatriaGardenaMartinezRio VistaUpland
CalistogaGilroyMarysvilleRiponVacaville
CamarilloGlendaleMaywoodRiverbankVallejo
CampbellGlendoraMcFarlandRiversideVentura
Canyon LakeGoletaMendotaRocklinVernon
CapitolaGonzalesMenlo ParkRohnert ParkVictorville
CarlsbadGrand TerraceMercedRolling HillsVilla Park
Carmel by the SeaGrass ValleyMill ValleyRolling Hills EstatesVisalia
CarpinteriaGreenfieldMillbraeRosemeadVista
CarsonGridleyMilpitasRosevilleWalnut
Cathedral CityGrover BeachMission ViejoRossWalnut Creek
CeresGuadalupeModestoSacramentoWasco
CerritosGustineMonroviaSalinasWaterford
ChicoHalf Moon BayMontagueSan AnselmoWatsonville
ChinoHanfordMontclairSan BernardinoWeed
Chino HillsHawaiian GardensMonte SerenoSan BrunoWest Covina
ChowchillaHawthorneMontebelloSan CarlosWest Hollywood
Chula VistaHaywardMontereySan ClementeWest Sacramento
Citrus HeightsHealdsburgMonterey ParkSan DiegoWestlake Village
ClaremontHemetMoorparkSan DimasWestminster
ClaytonHerculesMoragaSan FernandoWestmorland
ClearlakeHermosa BeachMoreno ValleySan FranciscoWheatland
CloverdaleHesperiaMorgan HillSan GabrielWhittier
ClovisHidden HillsMorro BaySan JacintoWilliams
CoachellaHighlandMountain ViewSan JoaquinWillits
CoalingaHillsboroughMt. ShastaSan JoseWillows
ColfaxHollisterMurrietaSan Juan BautistaWindsor
ColmaHoltvilleNapaSan Juan CapistranoWinters
ColtonHughsonNational CitySan LeandroWoodlake
ColusaHuntington BeachNeedlesSan Luis ObispoWoodland
CommerceHuntington ParkNevada CitySan MarcosWoodside
ComptonHuronNewarkSan MarinoYorba Linda
ConcordImperialNewmanSan MateoYountville
CorcoranImperial BeachNewport BeachSan PabloYreka
CorningIndian WellsNorcoSan RafaelYuba City
CoronaIndioNorwalkSan RamonYucaipa
CoronadoIndustryNovatoSand CityYucca Valley
Corte MaderaInglewoodOakdaleSanger
Costa MesaIoneOaklandSanta Ana