Your current mortgage payment is affecting the retirement you imagined.
Reverse Mortgage Guidance in San Diego
Understand Your Home Equity Options Without Pressure
I help San Diego homeowners 62+ and their families understand how a reverse mortgage may fit into retirement, whether you want to stay in your home, improve monthly cash flow, downsize, or purchase your next home.
Family members and trusted advisors are always welcome. Amanda LaRussa, Mortgage Broker, NMLS #2166834.
Amanda LaRussa
Mortgage Broker | Edge Home Finance
NMLS #2166834
Upcoming San Diego Homeowner Event
Thinking About Downsizing?
Join us for an educational event designed to help San Diego homeowners explore downsizing, selling, their next home, and how home equity may fit into retirement.
Urban Plates, Carlsbad · Date & time to be announced
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$1,249,125
the FHA maximum claim amount for a HECM reverse mortgage in 2026, up from $1,209,750 in 2025. It is the highest home value the loan can be calculated against.
Source: HUD Mortgagee Letter 2025-22, effective for case numbers assigned on or after January 1, 2026.
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28,172
HECM reverse mortgages federally insured in fiscal year 2025, up from 26,521 the year before. A regulated FHA program with decades of history, not a niche product.
Source: NRMLA, from HUD data, fiscal year ended September 30, 2025.
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Three
the number of times a California homeowner 55 or older can transfer their property tax base to a replacement home anywhere in the state, under Proposition 19, operative since April 1, 2021.
Source: California State Board of Equalization.
You May Be Here Because...
You want to stay in your home but need more financial flexibility.
You have significant home equity but are unsure how to use it.
You are deciding whether to stay, sell, or downsize.
You are helping your parents understand their options.
You want to purchase a home that better fits your next chapter.
You do not need to know which option is right before we talk. We can start with what you want your home and retirement to make possible.
What Could Your Home Equity Make Possible?
Your home may be one of your largest financial assets. Understanding your options can help you decide what makes sense for your next chapter.
Stay in Your Home
Explore whether your home equity could provide additional financial flexibility while you remain in the home you love.
Explore Staying Put →Improve Retirement Cash Flow
Learn how home equity and your housing expenses may fit into your overall retirement picture.
Explore Your Options →Downsize Your Life
Thinking about moving? Compare staying, selling, downsizing, or purchasing a home that better fits your next chapter.
Explore Downsizing →Purchase Your Next Home
Learn how eligible homeowners 62+ may be able to use a HECM for Purchase to buy their next principal residence.
Learn About HECM for Purchase →Is a Reverse Mortgage Right for You?
A reverse mortgage can allow eligible homeowners 62+ to access a portion of their home equity without required monthly principal and interest mortgage payments. You continue to own your home and must continue meeting the loan requirements, including paying property taxes and homeowners insurance, maintaining the home, and occupying it as your principal residence when required.
The important question isn't whether a reverse mortgage is simply “good” or “bad.” It's whether it fits your home, finances, goals, and plans for retirement.
Clear Answers From Someone Who Truly Listens
A reverse mortgage is not simply a financial product. It is a decision about your home, your retirement, and often your family.
That is why I begin by listening to what you want your next chapter to look like. I will explain the options in plain language, walk through the benefits and tradeoffs, and welcome the people you trust into the conversation.
My goal is not to convince every homeowner to get a reverse mortgage. My goal is to help you understand whether one actually fits your situation.
Licensed in California, Arizona and Texas. NMLS #2166834.
- Clear explanations
- Family welcome
- Multiple lender options
- No-pressure guidance
How the Conversation Works
Step 1
Start with a conversation
We begin with your home, your current mortgage, and what you want this chapter to look like. You do not need to know which option is right before we talk. Spouses, adult children, and trusted advisors are welcome.
Step 2
Understand the options and tradeoffs
I explain how a reverse mortgage may or may not fit, and what else is worth comparing — staying, selling, downsizing, or purchasing another home. The goal is a clearer picture, not a product pitch.
Step 3
You decide what happens next
There is no pressure to apply. If a next step makes sense, I will walk you through it. If it does not, you still leave knowing more about what your home and retirement can make possible.
Researching This for Mom or Dad?
Helping a parent make decisions about a longtime home can feel overwhelming. There may be financial questions, family questions, and emotional ones.
I'll help your family understand the options without pressure — whether that means staying in the home, selling, downsizing, or exploring whether a reverse mortgage could make sense.
What People Say
From homeowners
"Amanda made what felt like an overwhelming process completely manageable. She explained every option in plain language, answered every question patiently, and never once made me feel rushed. I always knew exactly where things stood. I could not have asked for a better experience."
Patricia Crockett
Homeowner
"She worked hard and fast and got us the exact rate we asked for. She was so easy to communicate with the entire time — quick to respond and always honest about what to expect. I would recommend her to anyone."
Marissa H.
Homeowner
"Amanda helped us purchase in a high-rate market and then refinanced us to a much better payment when the timing was right. She is informative, smart, and truly guides you through every part of the process. She genuinely cares about getting you the best outcome."
Jennifer Greene
Homeowner
From real estate professionals
"Top-tier communication from start to finish. In a 16-offer situation, her professionalism and responsiveness are a big reason our offer was the one that got accepted. I trust her with my clients every time."
Lukas Wade
Real Estate Professional
"Working with Amanda is a pleasure. She keeps everyone informed, hits her timelines, and treats my clients with the same care I do. Having a lending partner I can count on makes my job so much easier."
Melodee Esparza
Real Estate Professional
Reverse Mortgage & Retirement Resources
Have Questions About Your Home Equity?
Get straightforward answers about reverse mortgages, retirement, downsizing, and making the most of your home equity.
Reverse Mortgages • HECM for Purchase • Downsizing • Home Equity • Retirement
Your Home Equity May Give You More Options Than You Realize.
You don't need to know which mortgage you want before we talk. Let's start with what you're trying to accomplish and look at the options together.