Reverse Mortgage
Click below to get your free Reverse Mortgage quote and discover if this retirement financing option is right for you. Unlock your home’s equity and enjoy financial freedom.
Why a Reverse Mortgage?
A Reverse Mortgage is a special home loan for seniors that allows you to turn part of your home’s equity into tax-free cash — without selling your home or making monthly mortgage payments. The loan is typically repaid when you sell the home, move out, or pass away, making it a flexible option for retirement planning and financial security.
Reverse Mortgage Loans Made Simple
A reverse mortgage is a specialized loan for seniors 62 and older, designed to help you convert your home equity into usable cash — without monthly mortgage payments. With a HECM Reverse Mortgage, insured by the Federal Housing Administration (FHA), you can gain financial flexibility while continuing to live in your home.
At C2 Financial, we make the reverse mortgage process simple and stress-free. Our step-by-step Reverse Mortgage Qualifier helps you quickly see what you may qualify for. We’ll walk you through the options, explain the pros and cons, and ensure you understand the best fit for your retirement goals.
Whether you’re looking to supplement retirement income, pay off existing debt, cover medical expenses, or simply improve cash flow, we’ll help you choose the right reverse mortgage program with confidence.
The Reverse Mortgage Loan Process
Here’s how our home loan process works:
Reverse Mortgage Education & Consultation: Learn how a reverse mortgage works, including FHA HECM loan options, eligibility requirements, and the benefits of converting home equity into cash.
Initial Reverse Mortgage Qualification: See if you qualify for a reverse mortgage loan based on your age (62+), property type, and available home equity.
Customized Reverse Mortgage Quote: Get a free reverse mortgage estimate showing your available loan amount, interest rate options, and potential monthly savings.
Reverse Mortgage Counseling: Complete the required HUD-approved counseling session to ensure you fully understand the reverse mortgage process.
Reverse Mortgage Application & Documentation:Submit your application along with income, credit, and property details so we can begin the loan review process.
Home Appraisal: Lender orders an appraisal to confirm the property's value.
Reverse Mortgage Underwriting & Approval: Our team and the lender carefully review your file, verify home value, and issue conditional approval for your reverse mortgage loan.
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Get Expert Mortgage Advice You Can Trust
Receive personalized guidance from experienced mortgage professionals. Whether you’re buying your first home, refinancing to lower your rate, or tapping into your home equity with a cash-out refinance or HELOC, our loan experts are here to walk you through the process step by step—so you can make confident, informed decisions about your financial future.
C2 Financial has been in business for over 36 years and is now one of the largest and most respected mortgage brokerages in the country. Our success comes from consistently offering some of the lowest rates available while delivering outstanding customer service.
We pride ourselves on treating every client with honesty, integrity, and transparency. Whether you have perfect credit, less-than-perfect credit, or unique financing needs, we offer a full range of programs—FHA, VA, Conventional, Jumbo, Cash-Out, Debt Consolidation, and more. If there’s a way to get it done, we’ll find it.
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12230 El Camino Real, Suite 100, San Diego, CA, United States, California
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Gilbert Ramos | C2 Financial Corporation Licensed in multiple states. NMLS #135622. CA DRE #01821025 | AL #23303 | AZ #919209 | AR #129945 | CO DRE | FL #MBR3519 | HI #HI-135622 | ID #MBL-9475 | IL #MB.67618115 | KS #135622 | KY #MC809104 | LA #135622 | MI #FL0023565 / SR0023566 | MN #MN-MO-135622 | MS #135622 | MT #135622 | NE #135622 | NV #3260 | NM #135622 | OH #RM.804919.000 | OK #MB014489 | OR #ML-4917 | SC #135622 | SD #135622.ML | TN #135622 | TX #135622 | WA #MB135622 | WY #4612. Loan approval not guaranteed; subject to lender’s written approval and borrower meeting all conditions. Rates may vary. C2 is an Equal Opportunity Mortgage Broker/Lender. Not individually approved by FHA/HUD but may originate FHA loans via approved lenders. Texas Consumers: For complaints, contact Texas Dept. of Savings and Mortgage Lending: 2601 North Lamar, Ste 201, Austin, TX 78705 | www.sml.texas.gov | Hotline: (877) 276-5550. Recovery fund info available on website.