About

A reverse mortgage advisor who actually answers the phone.

I've worked exclusively in reverse mortgages for years — long enough to have a real opinion about when they fit and when they don't. I represent you, not the lender.

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My background

I'm a graduate of the University of Wisconsin, and I spent the first chapter of my career as a physical rehabilitation specialist, working with professional and Olympic athletes, martial artists, medical doctors and allied health professionals, Fortune 500 CEOs, celebrities — and seniors.

Working with seniors over decades is what brought me into reverse mortgages. I saw too many older clients struggle with retirement income shortfalls while sitting on substantial home equity they didn't know how to safely access. So I changed careers, earned my licenses, and built a practice doing nothing but reverse mortgages.

I'm a Certified Reverse Mortgage Professional (CRMP) — the highest designation in the industry, awarded by the National Reverse Mortgage Lenders Association (NRMLA). To earn it, candidates must have a minimum of three years' experience or have personally closed 50+ reverse mortgages, complete an ethics course, pass a comprehensive exam, undergo a background check, and complete 8 hours of continuing education every year to maintain the designation.

I founded the Orange County–National Age in Place Council, where I hold emeritus membership status today. I work as a licensed loan originator (NMLS #139966) under C2 Financial Corporation (NMLS #135622) — a brokerage, which means I shop the entire reverse mortgage market for each client rather than push a single lender's product.

What you can expect

How I work — three commitments

  • When you call, you reach me directly. Not a call center, not an assistant who escalates. My phone, my voice.
  • I represent you, not the lender. C2 Financial is a brokerage — I have access to the full reverse mortgage market and choose the program that fits your situation, not a single lender's.
  • If a reverse mortgage isn't the right answer for your situation, I'll tell you that upfront. Plenty of cases are better solved by a traditional refinance, downsizing, or not borrowing at all. My CRMP designation requires that honesty.

You'll also get the same calm, sales-free conversation if you decide later not to proceed. That's how this practice has lasted.

Credentials

  • CRMP — Certified Reverse Mortgage Professional (NRMLA)
  • NMLS #139966 — Mortgage Loan Originator (individual)
  • California DRE #01422602
  • C2 Financial Corporation NMLS #135622 (brokerage)
  • Licensed in CA, AZ, CO, FL, HI, ID, MI, NM, OR, PA, TX, WA
  • Founder, Orange County–National Age in Place Council (emeritus)

Have a question? Call me directly.

(949) 439-7030 · Mon–Fri 9am–5pm, Sat–Sun 10am–5pm Pacific. If I'm on another call, leave a message and I'll return it the same day.

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