Business Details
23 Years
experience
Reverse Mortgage Solutions in Irvine, CA
My Reverse Mortgage Plan is a dedicated team of experienced mortgage and reverse mortgage professionals committed to helping seniors achieve financial security in retirement. With close to 100 years of combined industry expertise and billions of dollars in funded loans, we specialize in educating homeowners aged 62+ about leveraging home equity through reverse mortgage solutions. Our approach prioritizes honesty, integrity, and personalized guidance, ensuring clients understand all available options while working closely with their tax, financial, and estate advisors. We serve California residents face-to-face or remotely, focusing on Southern California's unique market needs.Our team maintains deep knowledge of evolving reverse mortgage regulations and product offerings, including HECM loans and proprietary HomeSafe Jumbo solutions. By emphasizing transparency and client education over sales tactics, we help seniors make informed decisions about supplementing retirement income, covering healthcare costs, or funding home improvements. Our commitment to exceptional customer service is reflected in our 16-year track record of guiding clients through every step of the reverse mortgage process with patience and professionalism.
Services
Reverse Mortgage Refinance
Reverse Mortgage Purchase
Jumbo Reverse Mortgage
HomeSafe Loans
Mortgage Brokerage
Details
- Year established: 2003
Highlights and features
- 16 years of reverse mortgage expertise since 2003
- Personalized guidance through complex loan processes
- Collaboration with financial and tax professionals
- State-specific licensing across multiple jurisdictions
- Commitment to client education over sales pressure
What people say
Honest hands
Stress-free process
Professional job
Exceptional customer service
Great support
Services
Reverse Mortgage Refinance
This federally-insured program allows homeowners aged 62+ to convert existing equity into tax-free funds while maintaining property ownership. Borrowers receive no monthly mortgage payments and can access funds through lump sum, monthly payments, or line of credit. The non-recourse loan becomes due when the last borrower permanently leaves the home.
Reverse Mortgage Purchase
Enables seniors to buy a new primary residence using reverse mortgage proceeds. Requires 45-65% down payment based on age and rates, with remaining funds provided by the loan. Eliminates traditional mortgage payments while allowing immediate occupancy of the purchased property.
HomeSafe Jumbo Loans
Proprietary reverse mortgages for high-value properties up to $3 million. Offers competitive fixed rates and flexible draw options without FHA mortgage insurance requirements. Ideal for homes exceeding conventional HECM loan limits while maintaining similar borrower protections.
Mortgage Brokerage
Full-service mortgage solutions including conventional, FHA, and VA loans. Provides comprehensive rate comparisons and lender options while maintaining strict compliance with state-specific licensing requirements across multiple jurisdictions.
Financial Planning
Integrates reverse mortgage solutions with retirement portfolios to optimize asset preservation. Helps delay Social Security collection, protect investment accounts during market downturns, and create emergency liquidity while maintaining home ownership.
People
Sean Diaz
Reverse Mortgage Advisor
With 16 years of mortgage industry experience since 2003, Sean specializes in reverse mortgage education and senior financial planning. He focuses on honest guidance, maintaining NMLS# 186770 certification while serving California residents through personalized consultations and transparent communication.
Questions
What is a reverse mortgage?
A reverse mortgage allows homeowners aged 62+ to convert home equity into tax-free funds without monthly mortgage payments. The loan becomes due when the property is no longer the primary residence.
How much can I qualify for?
Eligible amounts depend on age, property value, and current interest rates. Use our online calculator or contact Sean Diaz directly for personalized estimates based on your specific situation.
Are reverse mortgages safe?
Federally-insured HECM loans offer non-recourse protection, meaning you'll never owe more than your home's value. We provide full disclosure about all program requirements and financial implications.
What are the eligibility requirements?
Borrowers must be at least 62 years old, own their home outright or have significant equity, and the property must meet FHA requirements. Financial assessments determine ability to maintain property taxes and insurance.
Can I use a reverse mortgage to buy a new home?
Yes, our Reverse Mortgage Purchase program allows qualified seniors to buy a new primary residence with reduced down payments while accessing equity without traditional mortgage payments.
What happens to my home after the loan?
You retain full ownership while meeting loan obligations. Heirs can repay the loan amount (usually through refinancing or sale) to keep the property when the last borrower passes away.
