Conventional purchase and refinance. Reverse mortgages — my specialty. Hard money when the file doesn’t fit a box. If it can be brokered in California, I’ve probably closed one like it.
As a broker I shop wholesale lenders rather than selling one bank’s shelf. Here’s what I arrange, and who each one is actually for.
The work I’m known for. The FHA-insured HECM serves homeowners 62 and older; proprietary jumbo programs start at 55 and reach California homes to $4 million. No monthly principal-and-interest payment while you live in the home and keep taxes, insurance, and upkeep current.
How reverse mortgages workA bank’s loan officer can only sell that bank’s products. A broker shops multiple wholesale lenders and matches the file to the program, not the other way around.
You talk to me at the first call, during underwriting, and at the closing table. Nothing gets lost in a hand-off, because there isn’t one.
Trusts, probate, self-employment, low documented income and high equity: I’ve closed the hard ones. Experience is knowing which problems are real and which just need the right lender.
Reverse mortgages are my specialty: FHA-insured HECM and jumbo programs on California homes up to $4 million. Honest math, no pressure, and California’s consumer protections explained in plain English.
How reverse mortgages workI handle the counseling, disclosures, and California’s 7-day clock. You stay purely advisory. No referral compensation changes hands, ever. When it’s wrong for your client, I’ll say so in writing.
How I work with professionalsA fifteen-minute call usually settles whether a loan makes sense, and if it doesn’t I’ll tell you that too. That policy has kept clients coming back for thirty years.
(818) 674-7284Send a couple of sentences about your situation and I’ll reply personally, usually the same business day.
Contact Ken