Compare Reverse Mortgage Lenders in Encinitas, California
Whether you need a standard HECM or a jumbo reverse mortgage in Encinitas, exploring local and national lenders is key. Below, we highlight top-rated professionals based on proximity, reviews, and service coverage. Connecting with a specialist near you ensures you receive state-specific guidance.
We may receive compensation from some lenders featured on this page. This does not influence our rankings, which are based on independent research, product availability, and borrower fit.
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Top Reverse Mortgage Lenders Serving Encinitas
Takes less than 60 seconds.
Our Take on Fairway
Fairway is best suited for borrowers who want a guided, advisor-led experience rather than navigating a fully digital process. Compared to specialized reverse mortgage lenders, Fairway leans more traditional, which can be beneficial for first-time borrowers but may limit flexibility for higher-value or more complex scenarios.
What we like
- Strong retail network with local advisors
- Standard HECM options (fixed + adjustable)
- In-house reverse mortgage specialists
- Best for borrowers who want a guided, advisor-driven experience rather than a fully digital process.
What we don't like
- Jumbo reverse options have strict minimums.
- Mobile app experience can be lacking.
Takes less than 60 seconds.
Takes less than 60 seconds.
Takes less than 60 seconds.
Reverse Mortgage Brokers in Encinitas
Hougard Loans, Bayshore Home Loans
Independent Broker
Status: Operational
Jeff Cooper Home Loans and Refinancing
Independent Broker
Status: Operational
Kathy Reese, Finance of America Mortgage LLC
Independent Broker
Status: Operational
David Hopkins, Finance of America Mortgage LLC
Independent Broker
Status: Operational
Jeff Touchstone at Rate (NMLS #254426)
Independent Broker
Status: Operational
Don’t Apply for a Reverse Mortgage Until You Read This
A Free Reverse Mortgage Guide for Homeowners 62+
Most homeowners don’t fully understand reverse mortgage costs, eligibility, and payout options. This quick guide shows you exactly what to expect before you move forward.
Download the Free GuideBuilt specifically for homeowners age 62 and older
Marc Datnow at Rate (NMLS #1707820)
Independent Broker
Status: Operational
CrossCountry Mortgage, LLC
Independent Broker
Status: Operational
Pianin Team at Rate (NMLS #304014)
Independent Broker
Status: Operational
Rate
Independent Broker
Status: Operational
MJS Mortgage
Independent Broker
Status: Operational
CMG Home Loans
Independent Broker
Status: Operational
Darren Pike, Finance of America Mortgage LLC
Independent Broker
Status: Operational
Sanborn Financial
Independent Broker
Status: Operational
Nearby Lenders to Encinitas187 Providers Total
The Wright Mortgage Team- Bay Equity Home Loans
Independent Broker
Status: Operational
Steve O'Brien
Independent Broker
Status: Operational
Local Area Summary
Active Coverage
Encinitas has 200 reverse mortgage providers actively serving the radius.
Nearest Specialist
The closest highly-rated lender is Hougard Loans, Bayshore Home Loans, located in Encinitas just less than 1 miles away.
Community Trust
These local professionals maintain a combined 5900 verified reviews with a strong 4.0 average rating.
Don’t Apply for a Reverse Mortgage Until You Read This
A Free Reverse Mortgage Guide for Homeowners 62+
Most homeowners don’t fully understand reverse mortgage costs, eligibility, and payout options. This quick guide shows you exactly what to expect before you move forward.
Download the Free GuideBuilt specifically for homeowners age 62 and older
Verified Google Reviews
To ensure transparency in your neighborhood, the star ratings and review counts featured for our independent local brokers are sourced directly from continuous live Google Maps data.