888.730.5200
Free Download: More Joy For Your Budget
Reverse Mortgages
Real Client Savings – Santa Barbara, CA
This is the Difference Carrollton Mortgage Makes.
On March 30, 2025, a senior couple in Santa Barbara closed a Jumbo Reverse Mortgage with us—and walked away with $13,000 more than their previous quote from a different company. That’s the power of working with the right team.
At Carrollton Mortgage, we know you want to be a confident, happy homeowner. To get there, you need the right loan—one that supports your life today and helps secure your future.
But here’s the challenge:
The cost of living keeps rising, and many seniors aren’t confident in their financial outlook. That uncertainty makes it harder to feel secure or enjoy the retirement you’ve earned.
We understand, and we’re here to help. We care about your stability, your wealth, and your freedom.
Since 1989, we’ve helped thousands of seniors—just like you—get the right real estate loan to stay on track and enjoy the peace of mind that comes from financial clarity.
Stop the stress. Start living.
Don’t let rising costs keep you from the financial freedom and security of home ownership.
Instead, partner with Carrollton Mortgage—and enjoy the confidence that comes from having the right loan and the right people on your side.
Because we believe every senior should feel at home… in their home.
Unlock the Power of Home Equity in Retirement
If you're 55 or older and considering a reverse mortgage, this calculator helps you estimate how much equity you may be able to access—without making monthly payments. Whether you're looking to supplement income, cover expenses, or simply gain peace of mind, this tool offers a starting point for understanding your options.
Ready to explore a reverse mortgage? Contact Carrollton Mortgage and let’s see if it’s the right fit for your next chapter. Call 209.526.6200.
🔁 Reverse Mortgage Calculator
Reverse Mortgages
Age in Place. Live with Confidence.
At Carrollton Mortgage, we believe being a happy homeowner means having the freedom to stay in your home and enjoy retirement on your terms. If you’re 55 or older, a reverse mortgage can help you tap into your home’s equity—without selling or making monthly loan payments.
In today’s world of rising costs and financial uncertainty, your home can be a powerful source of stability, independence, and peace of mind.
Since 1989, we’ve helped thousands of seniors just like you access the right reverse mortgage to stay secure and live confidently in their homes.
Why Choose a Reverse Mortgage?
Convert your home equity into monthly income or a lump sum
No monthly mortgage payments required
Use funds to supplement income, cover expenses, make home improvements, or pay off existing loans
Stay in your home as long as you meet loan requirements
Real Results That Matter
For example, in March 2025, a senior couple in Santa Barbara closed a Jumbo Reverse Mortgage with Carrollton Mortgage and saved $13,000 compared to their previous offer — that’s the power of working with experienced experts.
How to Get Started
Call us at 209.526.6200 to start the conversation
We’ll review your situation and find the right reverse mortgage for your goals
Enjoy the financial freedom and security you deserve
What to Know
Reverse mortgage are limited to borrowers who are 55 and older
For a Non-HECM reverse, all borrowers need to be over 55
For a HECM Reverse Mortgages, if there are two borrowers, one must be 62 or over and one can be under 62, but in this case, some restrictions will apply
Your home must be your primary residence
You need to keep up with property taxes, insurance, and maintenance
Repayment is generally deferred until the last borrower moves out, sells, or passes away
Borrowers must keep up on all tax payments, insurance payments, HOA payments, maintenance, and all other expenses associated with homeownership.
Explore Your Options
We offer a variety of reverse mortgage products including federally insured Home Equity Conversion Mortgages (HECMs) and non FHA insured Reverse Mortgages.
Stop the stress. Start living.
Don’t let rising costs or financial worries keep you from enjoying your retirement. Partner with Carrollton Mortgage—the trusted team dedicated to helping seniors feel secure, stable, and truly at home.
How USDA Loans Compare
We offer a variety of reverse mortgage products including federally insured Home Equity Conversion Mortgages (HECMs) and non FHA insured Reverse Mortgages.
Stop the stress. Start living.
Don’t let rising costs or financial worries keep you from enjoying your retirement. Partner with Carrollton Mortgage—the trusted team dedicated to helping seniors feel secure, stable, and truly at home.
Because everyone deserves to feel at home… in their home.
Here is a helpful comparison of common uses of HECM and Non-HECM reverse mortgages:
Feature
HECM (FHA-Insured)
Proprietary (Private)
Age Requirement
62+
Typically 55+
Loan Limits
Up to FHA limit (e.g., $1,209,750)
Up to $4 million or more
Interest Rates
Lower (mid-6% to low 7%)
Higher (9% to mid-11%)
Mortgage Insurance
Required
Not required
Government Protections
Yes
No
Property Eligibility
Must meet FHA standards
More flexible
Pay Off Debt To Qualify
Not allowed
available option
Second Mortgage Option
Not available
Yes
Meet Certified Reverse Mortgage Professional Adam Weinert
For More information on reverse mortgages
Click the links below
Purchase a home with a reverse mortgage
FHA reverse mortgages
Jumbo reverse mortgages
Private reverse mortgages
Second Mortgage Reverse Mortgages
Ready to get started?
Start the conversation – Call us at 209.526.6200
We'll work together to find the right loan for your goals
Enjoy life as a happy homeowner with stability and confidence
888.730.5200
NMLS 235659 • DRE 01073847
© Copyright 2025. Carrollton Mortgage All rights reserved.
Carrollton Mortgage Co. is licensed in California. The intent of this website is only to advertise to those interested in financing real estate in California.