California reverse mortgage broker · HECM & jumbo · Independent

Thirty years of California lending. The reverse mortgage broker who still answers his own phone.

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.

How reverse mortgages work Call (818) 674-7284

Also conventional, refinance, hard money & Non-QM →

CA DRE-licensed brokerIdeal Financial, Inc. · DRE #01232726 Verify on NMLS Consumer AccessCompany NMLS #251531 · Broker #240317

Independent HUD-approved counselingRequired before any reverse mortgage, plus California’s 7-day period

Thirty years, one brokerThe person who quotes your loan is the person who closes it

The book of business

Every program, one broker

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.

My specialty

Reverse mortgages: HECM & jumbo

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 work

The rest of the book

PurchaseConventional home loans

Buying a primary home, second home, or rental in California with standard agency financing.

Fixed & ARM

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RefinanceRate/term & cash-out

Lower the payment, change the term, or pull equity out. Run against the numbers, not a sales quota.

Primary & investment

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Speed & equityHard money & private

Equity-driven lending for purchases, bridges, and situations where the calendar matters more than the paperwork.

Fast close

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Outside the boxAlt-A & Non-QM

Self-employed, bank-statement income, asset-based, investor DSCR: strong borrowers the agencies don’t fit.

Full doc not required

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Something else?Ask me directly

Thirty years in, very little surprises me. If your scenario is unusual, that’s a phone call, not a form.

(818) 674-7284

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Why an independent broker

The case for one experienced person over a call center

Wholesale access, not one shelf

A 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.

The person quoting is the person closing

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.

Thirty years of files

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.

For homeowners 55+

Your home may be the strongest asset in your retirement plan.

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 work

For advisors, CPAs & attorneys

A reverse specialist your clients can be sent to safely.

I 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 professionals

No obligation, no pressure

Tell me the scenario. I’ll tell you if I can help.

A 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) 674-7284

Prefer email?

Send a couple of sentences about your situation and I’ll reply personally, usually the same business day.

Contact Ken