Certified Reverse Mortgage Professional & Retirement Mortgage Specialist

Retirement starts at the front door of the home you love.

20+ years of advisory experience. When you call, you reach me — not a call center. I represent you, not a lender.

Get my free info packCall (949) 439-7030

Meet Angella

Hi — I'm Angella Conrard, a Certified Reverse Mortgage Professional (CRMP) & Retirement Mortgage Specialist based in Orange County, CA. The CRMP is the highest designation in the reverse mortgage industry, held by only a few hundred advisors nationwide, and it's the credential I am proudest of.

For over two decades, I have helped seniors and their families convert home equity into retirement flexibility through federally insured HECM reverse mortgages, jumbo/proprietary reverse mortgages for higher-value homes, and newer hybrid retirement mortgage solutions, such as HELOCs for Seniors. I work exclusively with retirement mortgage products—no first mortgages, no traditional refinances, and no insurance. I operate under C2 Financial Corporation, a mortgage brokerage, which means I shop the retirement mortgage marketplace to find the solution that best fits your goals, rather than promoting a single lender's product.

Before this work, I spent my career as a physical-rehabilitation specialist for professional and Olympic athletes, Fortune 500 executives, allied health professionals, and — most importantly — seniors. That last group brought me into the financial-advisory work I do today, because I kept watching older clients struggle for income while sitting on substantial home equity they didn't know how to safely tap. I also founded the Orange County–National Age in Place Council, where I hold emeritus membership.

"When you call, you reach me directly — not a call center. I represent you, not a lender. And if a reverse mortgage isn't right for your situation, I will tell you so."

Angella Conrard, CRMP

Certified Reverse Mortgage Professional & Retirement Mortgage Specialist

Meet Angella

Reviews

What clients say

4.8

from 52 Google reviews

in the last week
“Angella, is an amazing agent who helped me throughout the process. She was knowledgeable, kind and always willing to answer my questions. Her guidance made everything much easier to understand and I am truly grateful for all of her help. Angella, went above and beyond, and I highly recommend her to anyone needing assistance. Sincerely…”
lauri richardson Posted on Google
4 weeks ago
“I’ve known Angella for years. She’s very professional and ethical.”
Jeanne Gormick Posted on Google
a month ago
“it was a interesting and rewarding experience. ms. conrard being in calif and me being in pensacola fla. she stuck through and guided me through each step of the contract always there any time i had a question. you need a re-fi or new contract, she's the person to call.”
lou Posted on Google
a month ago
“I live in Ft. Worth Tx. My husband and I worked with three reverse mortgage companies. We wasted almost 3 years and aggravation. I did not have much hope this time and I told my husband to not go forth. He said "no,i have a good feeling about this." I was skeptical. Finally,after we got…”
Susan Davis Posted on Google
2 months ago
“Angela Conrad was great to work with. She answered all of my questions in a timely professional manner. I will recommend them to anyone in the Orlando, Fl. market. Great Job Angela! Louis”
Louis Kauffmann Posted on Google
5 months ago
“I talked with Angella for months before I finally pulled the trigger on my reverse mortgage. She was very attentive to my questions and very patient with me. If I was starting out on this adventure again I would certainly seek her out. Even now that I'm enrolled as a customer I feel comfortable calling…”
Ron Sleeter Posted on Google
6 months ago
“If you have questions regarding a reverse mortgage Angela Conrard will be able to help you. I have had a reverse mortgage since 2012 so when the property values in White Salmon, Washington increased substantially I searched for someone to walk me thru the process of refinancing. So in 2021 I began looking for businesses…”
Claire Bryan Posted on Google
6 months ago
“Angella Conrard initially contacted me a year ago and listened to my wants and needs and promised to get back to me when my conditions could be met. She did just that to introduce a newly minted reverse mortgage product. Her twenty years of experience and her projection of inner peace made the rest of…”
Pete Song Posted on Google
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Credentials

Certified Reverse Mortgage Professional

"A CRMP candidate must have a minimum of three years experience or have closed 50+ reverse mortgages." — National Reverse Mortgage Lenders Association

The Certified Reverse Mortgage Professional (CRMP) designation is the highest credential in the reverse mortgage industry, awarded by the National Reverse Mortgage Lenders Association (NRMLA) after a background check, an ethics course, and an annual 8-hour continuing-education requirement. Only a few hundred active CRMPs hold the designation across the country.

I am also a licensed Mortgage Loan Originator (NMLS #139966), licensed in twelve states. As part of C2 Financial Corporation (NMLS #135622), an award-winning mortgage brokerage, I shop the entire reverse/retirement mortgage market to find the solution that best fits my clients' needs rather than offering only one lender's products. I have also been recognized as a Top Reverse Producer at C2 Financial.

Member · National Reverse Mortgage Lenders Association (NRMLA) · Equal Housing Lender

Trust signals

Independently verified credentials

My credentials are independently verifiable — click any badge to look it up directly with the issuing body.

Verify CRMP

Verify CRMP
NRMLA Member

NRMLA Member
NMLS #139966

NMLS #139966
Equal Housing Lender

Equal Housing Lender

Equal Housing Opportunity

Equal Housing Opportunity

Top Reverse Producer · C2 Financial

Top Reverse Producer · C2 Financial

Founder · National Aging in Place Council

Founder · National Aging in Place Council

Five ways a reverse mortgage might help

Reverse mortgages aren't just one product—they're part of a growing family of retirement mortgage solutions. The right option depends on your home value, your age, your existing mortgage balance, and, most importantly, what you're trying to accomplish.

HECM Loan

The FHA-insured Home Equity Conversion Mortgage. Age 62+, primary residence, no monthly mortgage payment required. 2026 lending limit: $1,249,125.

How HECM works

HECM for Purchase

Use a reverse mortgage to buy a new home — typically when downsizing or relocating closer to family. One transaction instead of two.

HECM for Purchase

Jumbo Reverse Mortgages

For properties valued above the FHA limit. Loan amounts up to $4M, property values to $10M, age 55+. No FHA insurance premiums.

Explore jumbo

HELOC for Seniors

Designed for homeowners age 62+. Keep your existing first mortgage while accessing home equity through a flexible line of credit with affordable required payments.

Learn about HELOCs

Hybrid Retirement Mortgages

Innovative retirement lending solutions, including partial interest-only payment options and other flexible programs designed to improve retirement cash flow.

Explore hybrid mortgages

Who I Help

A retirement mortgage doesn't just affect the homeowner—it often impacts the entire family. Whether you're exploring options for yourself, helping a loved one, or advising clients, I tailor the conversation to your unique perspective and goals.

Seniors (55+ / 62+)

Whether your goal is to increase retirement cash flow, pay off debt or eliminate your mortgage payment, or make repairs and updates to your home, I'll help you understand today's reverse mortgage and retirement mortgage options so you can choose the solution that's right for you.

For Seniors

Adult Children

Helping a parent make financial decisions can feel overwhelming. I'll explain how reverse mortgages and retirement mortgage options work, answer your questions, and help your family make confident, informed decisions.

For Adult Children

Financial Professionals & Trusted Advisors

You have clients for whom a reverse mortgage line of credit may be the right portfolio-depletion hedge. I provide customized illustrations and product comparisons.

For Trusted Advisors

How it works

How the process works (9 steps)

Every reverse and retirement mortgage follows a clear process. I'll explain your options, compare the available programs, and guide you every step of the way—so you can make an informed decision with confidence.

  1. 01

    1 · Awareness

    You've started exploring ways to use your home equity in retirement, including options like reverse and retirement mortgages. The more you learn now, the more confident you'll be in the decisions ahead.

  2. 02

    2 · Education

    We meet by phone, video, or in person to discuss your goals, review your home and finances, compare the available programs, and determine which reverse or retirement mortgage solution best fits your needs.

  3. 03

    3 · HUD counseling

    This consumer protection step pairs you with an independent HUD-approved counselor who helps ensure you understand the loan, your responsibilities, and whether it's the right fit for your retirement goals.

  4. 04

    4 · Application

    If you decide to move forward, we file the application. You receive full copies of every document.

  5. 05

    5 · Financial assessment

    HUD requires a review of your credit, property taxes, and other obligations — to confirm you can sustainably meet the ongoing requirements of the loan (taxes, insurance, maintenance).

  6. 06

    6 · Appraisal

    A full appraisal determines your home's value based on comparable sales in your neighborhood.

  7. 07

    7 · Processing

    The lender processes paperwork including appraisal, title, lien verification, and income documentation. I keep you informed throughout.

  8. 08

    8 · Underwriting

    The underwriter reviews the file and determines final loan approval and any conditions to close.

  9. 09

    9 · Close & funds

    You sign final documents. A 3-day cancellation window follows, then funds are disbursed according to your chosen payment option.

Frequently asked questions

How do I qualify for a reverse mortgage?

You must be at least 62 years old (55 for jumbo programs), own your home, have equity to cover any outstanding mortgage balance, and occupy the home as your principal residence. All applicants undergo a financial assessment to confirm capacity and willingness to pay ongoing obligations (property taxes, insurance, maintenance).

How much money could I get?

The amount you may qualify for depends on several factors, including:

  • Your age (or the age of the youngest borrower)
  • Your home's current market value
  • Your existing mortgage balance or other liens
  • Current interest rates
  • The reverse or retirement mortgage program that's the best fit for your goals

Because every homeowner's situation is unique, the only way to know your available proceeds is to prepare a personalized illustration.

Some programs provide a lump sum at closing, while others offer a growing line of credit, monthly income, or a combination of these options.

How do I receive the money?

You choose: a cash lump sum, a growing line of credit, monthly tenure or term payments, or a combination of all three. Fixed-rate mortgages allow lump-sum disbursements; adjustable-rate loans offer the line-of-credit and monthly options.

What does it cost?

The costs vary depending on the retirement mortgage program you choose and may include an origination fee, appraisal, title and escrow services, recording fees, document preparation, and, for FHA-insured reverse mortgages, mortgage insurance premiums (MIP).

Before you move forward, you'll receive a personalized loan estimate that clearly outlines all costs and fees.

Why is counseling required before a reverse mortgage?

For FHA-insured and proprietary reverse mortgages, an independent counseling session with a HUD-approved counselor is required before the loan can move forward. The purpose is to ensure you fully understand how the loan works, your responsibilities as a homeowner, the available alternatives, and whether the program is appropriate for your situation. The counselor is completely independent of me and the lender, giving you the opportunity to ask questions and receive unbiased information before making your decision. Most borrowers find the session informative and reassuring, and I'm happy to provide you with a list of counselors when you're ready.

Are the funds I receive taxable?

Reverse mortgage proceeds are typically not subject to individual income tax, because they are loan proceeds rather than income. That said, individual situations vary — please consult your tax advisor for your specific case.

Ready to see your numbers?

Free 30-minute consult. No SSN, no credit pull, no obligation. If a reverse mortgage isn't right for your situation, I'll tell you that upfront.

Get my free quote