Reverse mortgage · California · Mortgage broker

Live the Retirement You Deserve

Unlock your home’s equity without monthly mortgage payments — modern reverse mortgage solutions for today’s retirees.

Calculate your equity
A California couple exploring reverse mortgage options to age in place

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A California home at dusk whose owners used a reverse mortgage to access tax-free equity in retirement
The basics

What is a reverse mortgage?

A reverse mortgage lets California homeowners aged 62 and older convert home equity into tax-free cash with no monthly mortgage payments. You keep ownership and stay in your home, while remaining responsible for property taxes, insurance, and upkeep.

For many retirees it supplements income, covers healthcare, and makes aging in place possible.

  • check_circleFor homeowners 62+ (jumbo from 55)
  • check_circleTax-free cash — lump sum, monthly, or credit line
  • check_circleNo monthly mortgage payments
  • check_circleYou keep the title to your home
  • check_circleFHA-insured (HECM) and jumbo options
Calculate your equity
Our solutions

Tailored reverse mortgage solutions

We offer a full suite of reverse mortgage products tailored to your specific financial goals.

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FHA Insured HECM

The classic Home Equity Conversion Mortgage. Government-insured, flexible payment options.

 Jumbo home

Proprietary Jumbo Reverse

A proprietary jumbo reverse mortgage for high-value homes. Access significantly more equity.

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Second Lien Reverse Mortgage

Tap into your equity without disturbing your low-rate first mortgage.
A high-value California family estate kept in the family through a jumbo reverse mortgage buyout

Unlock up to

$4M

California property division solutions

High-net-worth buyouts: keep the family home

Are you navigating a gray divorce or settling a multi-million-dollar family trust? Learn how California homeowners (aged 55+) use Proprietary Jumbo Reverse Mortgages to unlock up to $4 million in liquid equity for a 50/50 buyout — without taking on monthly mortgage payments.

Learn how buyouts work
A California home at dusk — S.O.S. Loans educates homeowners before any reverse mortgage application
No pressure

Education first, application second

Our “No-Pressure” promise: we take the time to explain the pros, cons, and mechanics of a reverse mortgage before you ever sign a thing.

  • check_circleDetailed amortization schedules so you see the full picture
  • check_circleHeir protection analysis for your family’s peace of mind
  • check_circleA clear benefit vs. cost breakdown
Explore retirement strategies
The S.O.S. broker advantage

Your path to tax-free liquidity

Don’t settle for a single bank’s rates. As your broker, we navigate the entire marketplace to structure your perfect payout. Here is the typical step-by-step journey to funding.

1

Instant estimate

See your potential equity release in under 60 seconds. No credit pull required.

2

Custom strategy

We shop top Jumbo & FHA lenders to structure the highest possible payout tailored to your retirement goals.

3

Independent protection

Complete a session with an independent 3rd-party counselor — a mandatory consumer protection designed strictly for your benefit — followed by an appraisal.

4

Final funding

Sign your final closing documents and receive your tax-free cash lump sum or line of credit.

H. Frank Stiebel, licensed California mortgage broker at S.O.S. Loans
Your local expert

Meet your broker

At S.O.S. Loans, we aren’t just a call center. We are your neighbors. As an authorized broker for top-tier lenders (including proprietary jumbo products), we shop the market to find the exact right fit for your retirement puzzle.

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Fiduciary standard

We prioritize your financial well-being over commission.

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California specialists

Deep understanding of CA property values and Prop 19 tax implications.

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Reviews

Trusted by local families like yours & throughout California

starstarstarstarstar5.0 customer rating
★★★★★
“We wanted to travel while we were still young enough to enjoy it. S.O.S. Loans helped us unlock our equity to buy an RV and see the country.”
Robert & Sarah M.San Diego, CA
★★★★★
“I was struggling with the decision, but the broker explained everything so clearly. No pressure, just facts. Now I sleep better without a mortgage payment.”
Eleanor D.Torrance, CA
★★★★★
“The Proprietary Jumbo Reverse was a lifesaver. We kept our high-value home and still accessed the cash we needed for renovations.”
James P.Rolling Hills, CA
★★★★★
“Living in LA is expensive, but our home value is high. Frank showed us how to tap into that value so we can live comfortably without monthly payments.”
Michael T.Los Angeles, CA
★★★★★
“When we inherited the family trust, I wanted to keep the house but didn’t have the cash to buy out my siblings. S.O.S. Loans structured a Jumbo Reverse Mortgage that paid them their share tax-free, and I get to stay in the home without a mortgage payment.”
Katherine B.Orange County, CA
★★★★★
“Finally, a broker who listens! We used the funds to help our grandkids and fix up our desert oasis. Highly recommended service.”
David & Linda G.Palm Desert, CA
Good to know

Top Reverse Mortgage FAQs

Who qualifies for a reverse mortgage?
Generally, homeowners aged 62 or older with significant home equity who live in the home as their primary residence. Your home must meet program requirements and you must stay current on taxes, insurance, and maintenance.

Do I still own my home?
Yes. You keep the title and ownership of your home. The loan becomes due when the last borrower permanently leaves the home.

Are there monthly mortgage payments?
No. A reverse mortgage has no required monthly mortgage payments. You remain responsible for property taxes, homeowners insurance, and upkeep.

Is the money taxable?
Reverse mortgage proceeds are generally considered loan advances, not income, so they are typically tax-free. Consult your tax advisor for your situation.

What happens for my heirs?
A reverse mortgage is a non-recourse loan, meaning your heirs will never owe more than the home is worth. They can repay the loan and keep the home, or sell it and keep any remaining equity.

Live the Retirement You Deserve

Unlock your home’s equity without monthly mortgage payments. Talk with our California reverse mortgage team today.

Calculate your equity
callCall us: (800) 503-6648 chatText us: (424) 323-3361