Service areas
Where I Work: California & Arizona Service Areas
I am licensed in California and Arizona and work with homeowners 55+ who want a path to using home equity without a monthly mortgage payment — whether that means staying in place, buying closer to family, or keeping a low-rate first mortgage with a Reverse 2nd.
CA DRE #01456165, #01450361 · NMLS #307713 · AZ #1022722
Taxes, insurance, HOA dues, and maintenance are still your responsibility on a reverse mortgage. The product removes the required monthly principal-and-interest mortgage payment — not every housing cost. Statewide deep dives: California reverse mortgage guide and Arizona reverse mortgage guide.
California
San Diego metro
San Diego — Coastal and inland owners often weigh payment relief against high carrying costs; this is my home market.
North County San Diego
San Marcos — North County equity is high and many owners still carry a first mortgage; reverse mortgages here are often about payment relief, not maximum draw.
Carlsbad — Strong long-term appreciation with retirement cash-flow pressure; HECM and proprietary paths both come up regularly.
Oceanside — Coastal North County owners often want to stay near the water without taking on a new monthly mortgage payment.
Escondido — Inland North County equity with practical planning around taxes, insurance, and stay horizon.
South Bay
Chula Vista — South Bay homeowners frequently have substantial equity with fixed Social Security income that still has to cover tax and insurance obligations.
East County
El Cajon — East County planning usually starts with cash-flow math and whether paying off an existing mortgage improves the monthly budget.
Inland Empire
Temecula — Higher-value inland homes sometimes push past HECM caps, so jumbo and proprietary comparisons matter.
Riverside — Inland Empire equity with the same obligation-first planning I use across Southern California.
Orange County & Los Angeles
Orange County — High values and condo eligibility questions make product choice especially important.
Los Angeles — Wide value range; Westside and coastal condo cases often need proprietary options.
Desert
Palm Springs — Desert market planning for age-55 proprietary access and snowbird occupancy questions.
Arizona
Phoenix metro
Phoenix — Core metro planning around payment relief, reserves, and HECM vs proprietary fit.
Scottsdale — Higher-value homes often need jumbo comparisons alongside standard HECM quotes. See also Scottsdale purchase reverse mortgages.
Peoria — West Valley owners with the same cash-flow and stay-horizon questions I see across the metro.
East Valley
Mesa — East Valley equity with frequent purchase and refinance conversations for retirees.
Tempe — Close-in East Valley planning, including snowbird primary-residence documentation.
Chandler — East Valley payment-relief and reserve planning for long-time owners.
Gilbert — Neighboring East Valley market with similar HECM and proprietary decision points.
Tucson metro
Tucson — Southern Arizona planning with lower average values that often fit HECM cleanly.
Next step
Start with the free reverse mortgage calculator or readiness assessment, or contact me for a local scenario review.
This material is not from HUD or FHA and has not been approved by HUD or any government agency. All reverse mortgage loans are subject to credit and property approval.