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🔒 No obligation
Kelvin Craver
Kelvin Craver
Loan Officer · NMLS #2009272
✓ Licensed

Tap your home's equity,
with no monthly mortgage payment.

If you're a California homeowner 55 or older, a reverse mortgage can pay off your current mortgage, eliminate that monthly payment, and free up your equity as cash — while you keep the title and stay in your home. Answer a few questions and I'll tell you if it's a fit.

✓No monthly mortgage payment — you still pay property taxes, insurance & upkeep.
✓You keep the title and stay in your home.
✓A real licensed loan officer reviews every request — not a call center.
Takes about 2 minutes · No obligation
🔒 Secure & encrypted⌂ Equal Housing OpportunityNMLS #2009272Independent counseling
Getting started

What would the funds help with most?

Pick the closest fit — it helps me line up the right reverse program.

Your property

Is this your primary residence?

A reverse mortgage is only for the home you live in most of the year — that's a requirement.

Your property

What type of property is it?

Your property

What's the property address?

I'll pull your estimated value and equity automatically — no typing numbers.

Please pick a California address.

Pulling your property details…

Your numbers

Here's what I found

Estimates from public records — adjust anything that looks off.

Please confirm your home value.
✓A reverse mortgage pays off your current mortgage first — that's how the monthly payment goes away. Whatever's left is yours.
Eligibility

When were you born?

Reverse mortgages go by the youngest borrower's age — 55+ for certain California proprietary programs, 62+ for an FHA-insured HECM.

Your date of birth is required.
A borrower generally needs to be at least 55 in California. If a spouse is younger, we'll walk through your options together — leave it and continue.
🔒Used only for eligibility — the youngest borrower's age sets which programs fit and how much you can access.
About your finances

A bit about your finances

There's no monthly mortgage payment — a financial assessment just confirms you can keep up with property taxes and insurance.

Please enter your gross monthly income.
Please select your main income source.
✓Credit doesn't have to be perfect — the assessment looks at your overall ability to cover taxes and insurance. If it's tight, a set-aside can handle it.
Two quick questions

A couple quick things

Honest answers help me point you the right way — neither is automatically a problem.

Please choose one.
👪Heirs are welcome in the conversation — a reverse mortgage is repaid from the home when you no longer live there, and many families plan it together.
Last step

Where should I send your options?

I'll personally review your request and follow up — usually within one business day.

Please enter the full legal name(s).
A valid email is required.
A valid phone is required.
Please check the box so I can reach you.
🔒 No obligation · no credit pulled to see your options · counseling required before closing