888.730.5200

Private Reverse Mortgages for higher-value homes

for California Homeowners Age 55+

Access more of your home equity with flexible reverse mortgage options that may be available before age 62, for higher-value homes, and in situations where an FHA HECM may not be the best fit.

Access More Equity. Live with More Freedom.

At Carrollton Mortgage, we know you want to be a confident, happy homeowner — for life. And sometimes, that means finding a better way to use the equity you’ve built in your home to support the life you want now and in the years ahead.

But here’s the challenge:

FHA reverse mortgages (HECMs) have age requirements, borrowing limits, property guidelines, and other rules that may not fit every homeowner.

If you’re 55 or older and own a home in California, a Private Reverse Mortgage — also called a proprietary or jumbo reverse mortgage — may give you more flexibility. Depending on the program, you may be able to access more of your home equity, qualify with a higher-value property, or even preserve an existing first mortgage while accessing additional equity.

That’s where we can help.

Since 1989, Carrollton Mortgage has helped California homeowners understand their options, compare loan programs, and choose financing that fits their home, finances, and long-term goals.

Our job is not to push you into a particular reverse mortgage. It’s to help you understand the choices, avoid costly mistakes, and find the loan that helps you move forward as a happy homeowner.

Two older adults talking on tin can telephone

Why California homeowners choose Carrollton Mortgage

Reverse mortgage experience that goes beyond one product.

Carrollton Mortgage has served California homeowners since 1989 and has specialized in reverse mortgages for decades. We closed our first reverse mortgage in 1993, making Carrollton the oldest reverse mortgage company in all of California. Because we work with both FHA-insured HECMs and private reverse mortgage programs, our goal isn't to fit you into one particular loan — it's to help determine which option best fits your home, equity and retirement goals.

You'll work with Adam Weinert, Certified Reverse Mortgage Professional (CRMP), for experienced, California-focused guidance from initial comparison through closing.

- Multiple reverse mortgage options — HECM, jumbo/private/proprietary, purchase and eligible second-lien programs

- California-focused guidance — statewide by phone, video or in person

- Personal comparison — we'll help you compare loan proceeds, costs and long-term tradeoffs before you decide

Why Choose a Private Reverse Mortgage?

✅ Borrow more — up to $4 million with some lenders

✅ Available as a lump sum or a line of credit

✅ No monthly principal-and-interest payments required

✅ No FHA mortgage insurance premiums — saving you money up front

✅ More flexible approval — may work for certain condos and manufactured homes

✅ Access larger loan amounts than FHA reverse mortgages

✅ Like all reverse mortgages, the loan is secured by your home and accrues interest — which means equity will decrease over time as interest compounds until the loan is repaid

✅ You stay in your home. You stay in control. You gain financial freedom.

Who Qualifies?

Homeowners in California, typically age 55 or older

Must have significant home equity (usually 50% or more)

Home must be your primary residence

No minimum credit score required — but lenders will review your financial profile for stability

See What Reverse Mortgage Options You May Qualify For

Call 888.730.5200 or complete our reverse inquiry form for a personalized comparison.

There's no obligation to move forward.

Reverse Inquiry Form

Why It Matters That Adam Weinert of Carrollton Mortgage

Is a Certified Reverse Mortgage Professional

When considering a reverse mortgage, working with someone you trust isn’t just a preference—it’s essential. That’s why Adam Weinert’s designation as a Certified Reverse Mortgage Professional (CRMP) matters deeply.

The CRMP credential is the highest certification available in the reverse mortgage industry. It is awarded by the National Reverse Mortgage Lenders Association (NRMLA)—the national voice of the reverse mortgage industry—only to professionals who meet strict standards of experience, ethics, and ongoing education.

To earn the CRMP title, candidates must:

Have at least three years of experience specifically in reverse mortgage lending.

Complete advanced coursework and pass a rigorous written exam covering everything from federal regulations to ethical guidance and client counseling.

Submit to a comprehensive background check.

But earning the designation is just the beginning. CRMPs must complete continuing education every year and remain in good standing with NRMLA by adhering to its Code of Ethics and Professional Responsibility, ensuring that clients receive guidance rooted in current best practices and unwavering integrity.

By choosing Adam, you’re working with a professional who has gone above and beyond to demonstrate his expertise and commitment to doing what’s right for you. You can be confident that you’re receiving personalized advice from one of the most qualified experts in the field—someone who’s nationally certified and California focused to help you make informed, secure decisions about your financial future.