FOR CALIFORNIA HOMEOWNERS 62 AND OLDER
Your home. Your numbers. Your decision.
See what a reverse mortgage could give you, privately, in about 2 minutes. Get your full package before you ever talk to a loan officer.
No phone number needed to see your estimate. No pressure, no obligation.
Asking for help is hard. You shouldn't have to.
Maybe the bills are getting tighter, or the mortgage payment is harder to keep up. Many people don't want to ask their children or be talked into anything by a salesperson.
Here, you can look at the real numbers on your own, share them with the people you trust, and decide for yourself.
Your whole package, up front
With many lenders, you have to talk to a loan officer before you see anything in writing. With us, you get it all first:
- Three loan options side by side
- Every fee, line by line
- A year-by-year schedule
- Your counseling step, with a code for your counselor
Print it, save it, or share it with family. Talk to us only when you're ready.
Three simple steps
Step 1: See your numbers privately
Answer 4 questions. About 2 minutes. No phone number needed.
Step 2: Get your full package
Your options, every fee and a yearly schedule. Share it with family.
Step 3: Talk to a HUD counselor
An independent counselor walks you through it. Then call us when you're ready.
FREE 20-MINUTE VIDEO CLASS
Reverse mortgages, explained clearly.
Ed explains who qualifies, the costs, your responsibilities, what happens to the home, and the alternatives, with a worked example.
Watch the Free Class
Reverse Mortgages: The Straight Story · 20 minutes · Watch anytime
Your neighbors in Modesto for 25+ years
We're a California reverse mortgage company. We use HUD's official tables and this week's rates, so your numbers are real, not a sales pitch.
Meet our crewWhat our clients say on Google
“Working with Ed Parcaut on our vacation home purchase was an outstanding experience from start to finish. Ed's expertise and deep knowledge of the lending process made everything feel seamless. He took the time to explain every step clearly, answered all of our questions with patience, and helped us navigate the unique aspects of financing a second home with confidence. What truly stood out was Ed's responsiveness and efficiency. No matter the time or situation, we always received quick updates and fast answers, which made the entire process move smoothly and on schedule. His professionalism, attention to detail, and commitment to excellent service exceeded our expectations. I highly recommend Ed to anyone looking for a knowledgeable, reliable, and highly responsive lender — for any home purchase.”
“It was quick and easy. Ed was very helpful and knowledgeable thoughout the process. I’ve never see other Va loans and it wasn’t as smooth. If I buy another house lol I will be calling Ed to walk me through it. Thank you Ed”
“Ed made the loan process simple and straightforward. He was there to answer any and all questions. I would highly recommend him for any of your loan needs. If we refinance in the future we will definitely be using him.”
What a reverse mortgage can do
- Stay in the home you love
- No monthly mortgage payment
- Money for bills, health care or repairs
- Peace of mind, without asking family for money
You must live in the home as your main residence and keep paying property taxes, homeowners insurance and upkeep. The loan is due when the last borrower or eligible spouse leaves the home.
Ready when you are
Start with your numbers. You decide when to talk to us.