"Use Your Home to Stay at Home" ---- I specialize in FHA-insured Reverse Mortgages in the San Francisco Bay Area.  My office is in Walnut Creek, CA.  I assist homeowners to convert a portion of their equity into cash.  My job is to help my clients decide if a reverse mortgage is truly the right thing to do.

All deed-holders must be age 62 or older. 
Homeowners retain title as long as they continue to live in their home. 
They make no monthly mortgage payments. 
There are no income/credit/medical qualifications. 
The loan is not repaid until the last borrower moves out or passes away. Heirs never owe more than the appraised value of the home. Borrowers must comply with the terms of the mortgage contract; they must pay their property taxes and homeowners insurance premiums on time and they must keep the home in good condition.

Use our free Life Expectancy Set Aside (LESA) calculator to educate yourself on the amount needed to set aside funds to pay property charges, including homeowners insurance, property tax, and HOA dues. A LESA sets aside a portion of your reverse mortgage line of credit for the purpose of paying these future charges, giving you peace of mind. (Enter annual amounts.)* Legal

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Homeowners Ins.
Flood Insurance
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HECM For Purchase Exceptions to Remember

March 22, 2018

A Home Equity Conversion Mortgage (HECM), or reverse mortgage, allows homeowners age 62 and older to tap into their home’s equity. The funds can be used to supplement retirement income, travel or for any number of other purposes while allowing the homeowners to remain in the home as long as they like.

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Planning a Spring Flower Garden? Here’s What to Plant

March 19, 2018

Spring is here! Frogs are croaking, birds are singing and flowers are blooming. Whether you’re getting

ready to sell your home or just want to add some beauty as an investment in your home (and equity), this guide will help you get started.

Plant Hardiness Zones

Before you plant anything,

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Reverse Mortgage


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Reverse Mortgage

Stability and success are important at every stage in your life. For those exploring the benefits of reverse mortgages, we understand that your families and your security are paramount. We provide quality, dependable customer care you can trust.

Buying a home

Open Mortgage also offers HECM for Purchase (H4P), which lets seniors 62 and older combine two financial transactions — a down payment with a reverse mortgage loan — to purchase a new home.

Refinancing a home

Take advantage of a lower rate that could reduce your monthly payment or change the term of your loan. Our outstanding customer service and commitment to provide transparent communications means that Open Mortgage makes your priorities our mission.


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