Reverse Mortgage Loans in San Jose & Santa Clara County

Who qualifies?

• Age 62 or older. At least one borrower on the loan must be 62+. Eligible non-borrowing spouses can often remain in the home if the borrowing spouse passes.
• Primary residence. The home must be the borrower's primary residence — single family, eligible condo, manufactured home, or 2–4 unit property where you occupy one unit.
• Sufficient home equity. You'll need enough equity (typically 50%+) to qualify. Existing mortgages are paid off at closing using reverse mortgage proceeds.

How it works

1. 1

   Free consultation with Chris

   We talk through your goals, your home, and whether a reverse mortgage is actually the right tool — or if something else fits better.

2. 2

   HUD-approved counseling

   An independent counselor walks you through how reverse mortgages work. This step is required and protects you.

3. 3

   Application & appraisal

   Chris collects your documents and orders an FHA appraisal. He shops lenders to find the strongest combination of rate, fees, and proceeds.

4. 4

   Closing & funding

   You sign at closing, any existing mortgage is paid off, and remaining proceeds are paid out as a lump sum, monthly payments, line of credit, or a combination.

Common uses

*Consult a tax advisor. Reverse mortgage proceeds are generally not considered taxable income.

Frequently asked questions