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
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.
Simple Process
Getting your reverse mortgage is straightforward. Our California specialists guide you through every step.
You must be 62 or older, own your California home as your primary residence, and have sufficient equity. Most homeowners qualify.
We walk you through your options, complete the required HUD counseling, and arrange a professional home appraisal — all at no cost.
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
See how much tax-free equity you could access from your California home. Adjust the sliders to get your personalized estimate.
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
Eliminate your monthly mortgage payment entirely. The loan is repaid only when you sell, move, or pass away — freeing up cash flow every month.
Loan advances are not considered income — no federal or California state tax.
You retain full ownership and can live in your home for life.
Government-backed insurance protects you and your heirs.
Any equity above the loan balance passes to your heirs.
Lump sum, monthly payments, or a growing line of credit.
Eligibility
Most California homeowners 62 and older qualify. Here's what you need:
Real Stories
"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
Take the First Step
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.