01
Check Your Eligibility
You must be 62 or older, own your California home as your primary residence, and have sufficient equity. Most homeowners qualify.
California Reverse Mortgage Specialists
California Reverse Mortgage Lender — Unlock Your Home Equity
Access tax-free funds from your California home equity — with no monthly mortgage payments. HECM & jumbo reverse mortgages for homeowners 62+. Stay in your home and enjoy the retirement you've earned.
HUD-Approved
Licensed Mortgage Lenders
CA DFPI Licensed
BBB A+
Free HECM Estimate
$0.3B+ Funded
Total Loans Funded
0+
California Families Helped
0+
Years of Experience
0-Star Rated
Customer Rating
Simple Process
How a California Reverse Mortgage Works
Getting your reverse mortgage is straightforward. Our California specialists guide you through every step.
02
Free Consultation & Appraisal
We walk you through your options, complete the required HUD counseling, and arrange a professional home appraisal — all at no cost.
03
Receive Your Funds
Once approved, choose your payout: lump sum, monthly payments, or a growing line of credit. Funds typically arrive within 30–45 days.
Free Estimate Tool
California Reverse Mortgage Calculator
See how much tax-free equity you could access from your California home. Adjust the sliders to get your personalized estimate.
Your Home Details
$750,000
$100K$2M
70 years old
6295
$100,000
$0$500K
Your Estimate
Estimated Loan Amount
$354,000
Based on 47% of home value at age 70
Available After Payoff
$254,000
After paying off existing mortgage
Estimates are for illustrative purposes only. Actual amounts depend on current interest rates, home appraisal, and HUD guidelines.
Get Your Exact Quote — FreeWhy Choose a Reverse Mortgage
Benefits of a California HECM Loan
No Monthly Mortgage Payments Required
Eliminate your monthly mortgage payment entirely. The loan is repaid only when you sell, move, or pass away — freeing up cash flow every month.
Tax-Free Proceeds
Loan advances are not considered income — no federal or California state tax.
Stay in Your Home
You retain full ownership and can live in your home for life.
FHA-Insured (HECM)
Government-backed insurance protects you and your heirs.
Heirs Keep Remaining Equity
Any equity above the loan balance passes to your heirs.
Flexible Payout Options
Lump sum, monthly payments, or a growing line of credit.
Eligibility
Do You Qualify for a California Reverse Mortgage?
Most California homeowners 62 and older qualify. Here's what you need:
- Age 62 or older (at least one borrower)
- Own your California home as primary residence
- Sufficient home equity (typically 50%+ equity)
- Complete a HUD-approved counseling session
- Ability to maintain property taxes & insurance
Real Stories
California Homeowners Love Golden State
"We were skeptical at first, but the team at Golden State walked us through every step. We eliminated our $1,800 monthly mortgage payment and now have peace of mind. Best financial decision we've made in retirement."
"After my husband passed, I was worried about making ends meet on a fixed income. Golden State helped me access $280,000 in equity from my home. I can finally afford to stay in the home I've lived in for 35 years."
"Our San Francisco home had appreciated enormously, but we were house-rich and cash-poor. The reverse mortgage gave us the funds to travel, help our grandchildren with college, and live comfortably. Highly recommend."
From Our Blog
Reverse Mortgage Insights
Take the First Step
Ready to Unlock Your California Home's Equity?
Join 4,800+ California families who have used a reverse mortgage to fund the retirement they deserve. Our specialists are ready to answer your questions — no pressure, no obligation.
Free consultation — no obligation
HUD-approved counseling included
California DFPI licensed specialists
Funds in as little as 30 days