California reverse mortgage broker · HECM & jumbo 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. And to be exact about what Ideal Financial is: an independent broker, not a bank or direct lender. I compare programs from multiple wholesale lenders and handle your file personally from first quote to closing.
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.
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 workIn Los Angeles County? Ideal Financial’s licensed office is in Torrance, and I serve homeowners across the county and the City of Los Angeles. Start with my Los Angeles reverse mortgage page, built on HUD’s own loan records for the county.
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.
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 workA reverse specialist your clients can be sent to safely.
Your client picks an independent HUD-approved counselor from the list I provide; I handle the 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 professionalsThree quick answers about working with me
Are you a lender or a broker?
A broker, and an independent one. Ideal Financial is not a bank or a direct lender: I compare reverse mortgage programs from multiple wholesale lenders and recommend from the whole menu, under the California DRE corporate license you can verify above. The person who runs your comparison is the person who structures and closes the loan.
Do you work with homeowners everywhere in California?
Yes. The license is statewide and the practice is built for it: phone consultations, mail-away signings with a mobile notary, and in-person meetings by appointment at the Torrance office. The 34 community pages on this site carry the local research; the first call covers everything else.
What separates the HECM from a jumbo reverse mortgage?
Age and arithmetic. The FHA-insured HECM starts at 62 and calculates against value up to the 2026 maximum claim amount of $1,249,125. Proprietary jumbo programs start at 55 for many California programs, use actual value to $4 million, and carry no FHA insurance premium. Which one wins on your house is a two-column quote I put in writing.
Researching your own market first? Start with the local pages for Los Angeles, Torrance, San Diego, Irvine, and San Jose, or see all 34 communities on the service areas page.
Want a rough number before you call?
The calculator takes an age and a home value and shows an estimate on screen, with every cost line. No name, phone or email needed. Moving or inheriting? See how Prop 19 treats your property tax base.
Tell me the scenario. I’ll call you back.
Thirty years of California files. One broker, and the person who quotes your loan is the person who closes it.
- A call back within minutes during California business hours
- Real numbers on your home, not a brochure
- An honest answer if a loan does not make sense for you
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) 674-7284Prefer email?
Send a couple of sentences about your situation and I’ll reply personally, usually the same business day.
Contact Ken