Standard Lenders

Secure Your Future with a Reverse Mortgage

A Better Retirement Begins with Honest Solutions

How it works

Five Easy steps to a Better Retirement

How it works

Five Easy steps to a Better Retirement

Education

A trained agent will meet you over the phone or in your home to explain to you what will be the best fit for you.

Counseling

You will meet with a government licensed counselor to help you make an informed decision on if Reverse Mortgages are right for you.

Application

We will send you a copy of the application and a licensed agent will walk you through every question you might have before it is submitted.

Appraisal

A licensed third-party appraiser will come to your home to assess the home value.

Signing

Everything is complete and we are ready for to sign and start retiring comfortably!

Get Your FREE Quote Today!

Key Points about Reverse Mortgages

Eliminate Mortgage Payments Forever
Home Loan Equity in CA

Maintain Title and Ownership of your Home

Get Tax Free Cash in One Lump Sum or Monthly Payments to Supplement Your Retirement
Reverse Mortgage For Seniors

Use Funds as Needed – Whether For Bills, Paying Off Debt, or Going on a Vacation

Reverse Mortgage Loan

Don’t Need Cash Now? Preserve Your Equity With a Growing Line of Credit

Federally Insured by the U.S. Government
Eliminate Mortgage Payments Forever
Home Loan Equity in CA

Maintain Title and Ownership of your Home

Get Tax Free Cash in One Lump Sum or Monthly Payments to Supplement Your Retirement
Reverse Mortgage For Seniors

Use Funds as Needed – Whether For Bills, Paying Off Debt, or Going on a Vacation

Reverse Mortgage Loan

Don’t Need Cash Now? Preserve Your Equity With a Growing Line of Credit

Federally Insured by the U.S. Government
  • Borrower is still responsible to pay property taxes, homeowner’s insurance, and home maintenance costs.
  • Your reverse mortgage funds can be distributed as either a cash lump sum, a line of credit, or receive monthly payments (term or tenure).
  • Only Approved HECM Loans are FHA insured, proprietary products such as Jumbo reverse mortgage loans are not Federally insured.

Products

A reverse mortgage is a powerful tool that allows seniors to access the equity in their homes without selling or making monthly mortgage payments.

A jumbo reverse mortgage may be a good option if you’re a homeowner aged 62 or older with a high-value home in California.

A reverse mortgage for purchase is a type of reverse mortgage that allows you to use the equity in your current home to purchase a new home.

Refinancing the reverse mortgage is possible on an annual basis (12 months), as long as there continues to be a benefit..

Frequently Asked Questions

A reverse mortgage loan is just like a traditional mortgage, you remain as the owner of your home. The difference is how you pay it back. With a traditional mortgage, you have to make mandatory payments every month, while with a reverse mortgage, payments are optional.

No, there is a common misconception that banks take ownership of your home, but this is not true, you remain the owner. Home Equity Conversion Mortgage (HECM) is a Federal Housing Administration (FHA) insured loan. Although the products like reverse mortgage refinance or reverse mortgage purchase may not be for everyone, it is a popular choice for seniors looking to get more out of their retirement.

Yes. You remain the owner of your home and can choose to sell your home if you wish. The reverse mortgage loan will be paid off through the sale and you, as the owner, will keep the remaining proceeds.
Yes, just like a traditional mortgage, you can choose to refinance, pay off your mortgage, or sell your home at any time. There are no prepayment penalties.
No, as long as you maintain your homeowner obligations such as property taxes, insurance, and maintenance of your home, your reverse mortgage and its proceeds (cash, line of credit, monthly payments) can never be taken away from you, unlike other products such as Home Equity Line of Credit (HELOC).
No, proceeds received from a reverse mortgage are tax-free.
Yes! You can choose to make any payment, any time, any amount, with zero penalties.

We are in California and we offer reverse mortgages in Los Angeles too

What They Say About Our Service

EXCELLENT
41 reviews on
Terry Cunningham
Terry Cunningham
2023-09-19
I am so impressed with the great guidance and service that I received from the Standard Lenders group when applying for a reverse mortgage. I couldn’t be happier with the results of this very fast & easy process. David Kaye was the epitome of customer service. I highly recommend this group for any mortgage needs. Thanks so much for your wise counsel.
Madeline Blue
Madeline Blue
2023-09-15
David was so wonderful . He did more than I ever expected. The amount of money that he was able to get for us, was way beyond the amount That I thought , I that I would receive. If you are thinking about a reverse mortgage, Standard Lenders are the best.
SYS Key Services Inc
SYS Key Services Inc
2023-09-07
fantastic brokerage, highly recommended
Jaleh Sayyah
Jaleh Sayyah
2023-09-06
Standard Lenders is simply the best Reverse Mortgage company out there. They did my Jumbo reverse mortgage 2 times at a fantastic interest rate. They are truly professionals and deliver on what they promise. They even paid for all the expensive appraisal fees, their level of service is best in the industry. I would recommended them to anyone looking for a reverse mortgage.
Sheyda Naserzadeh
Sheyda Naserzadeh
2023-09-02
Very good mortgage company helping seniors
Soroosh Askarian
Soroosh Askarian
2023-08-30
I've been working with Standard Lenders for years now for my financing needs. They are nothing short of amazing and have consistently delivered for me and my families needs. I have referred them to other business professionals and friends of mine that are also extremely satisfied.
frank donaldson
frank donaldson
2023-08-15
David worked fast and thoroughly in successfully securing a lender commitment when rates were climbing fast. He knows what he's doing in this ever-changing market.
Jon Abdelmalek
Jon Abdelmalek
2023-08-11
Standard Lenders helped my grandparents with their reverse mortgage when other brokers could not get it done. They have a special property/situation that we were told would not qualify for a reverse loan. Since standard lenders works with the top reverse lenders they were able to convince one lender specifically to accept my grandparents property/situation I didn’t think it was possible but they were able to get the reverse done and got my grandparents a big lump sum of cash. I was shocked when I finally saw the money in their bank account. It will help them tremendously These guys will go above and beyond to help their clients to get the job done. Absolutely recommended for anyone considering a reverse mortgage
Walter Wilson
Walter Wilson
2023-08-07
David is a honest person and hardworking. He was committed to helping my father complete his business deal. I recommended David's services to friends and colleagues. They were also satisfied. You will not be disappointed.
Lloyd Carter
Lloyd Carter
2023-08-03
Got a great mortgage with David Kay.

Secure Your Future with a Reverse Mortgage

A Better Retirement Begins with Honest Solutions