Reverse Mortgage Specialists in Los Banos

Whether you need a standard HECM or a jumbo reverse mortgage in Los Banos, 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.

Recommended Partners

Top Reverse Mortgage Lenders Serving Los Banos

BEST FOR LOCAL SUPPORT
Fairway Independent Mortgage
NMLS#2289
Editor's Rating
4.9
Reverse Mortgages
Best For
Personalized Support
Availability
National

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.
BEST FOR JUMBO REVERSE MORTGAGES
Longbridge Financial
NMLS#957935
Editor's Rating
4.6
Reverse Mortgages
Best For
High-Value Homes
Availability
National
GET MY QUOTE from Longbridge Financial

Takes less than 60 seconds.

MOST TRUSTED BRAND
Mutual of Omaha Mortgage
NMLS#1025894
Editor's Rating
4.4
Reverse Mortgages
Best For
Trusted Brand
Availability
National
BEST FOR FLEXIBILITY
Finance of America Reverse
NMLS#2285
Editor's Rating
4.2
Reverse Mortgages
Best For
Flexible Options
Availability
National

Nearby Lenders to Los Banos83 Providers

Holly Darsch at Rate (NMLS #885050)

Independent Broker

5(5)

Status: Operational

Hollister, CA
(831) 888-7777
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Yvonne Claus Bessa at Rate (NMLS #453596)

Independent Broker

4.8(9)

Status: Operational

Hollister, CA
(831) 801-6760
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Rate

Independent Broker

No Reviews

Status: Operational

Hollister, CA
(408) 992-1234
USDA LoanConventional LoanHELOC / Home EquityRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Joy Taylan at Rate (NMLS #1378902)

Independent Broker

No Reviews

Status: Operational

Hollister, CA
(831) 902-2097
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Luis Oropeza at Rate (NMLS #289042)

Independent Broker

No Reviews

Status: Operational

Hollister, CA
(831) 471-7742
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

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 Guide

Built specifically for homeowners age 62 and older

Cassandra Farnese | Sr Loan Officer

Independent Broker

5(18)

Status: Operational

Hollister, CA
(831) 320-6334

Gina Grant | Sr Loan Officer

Independent Broker

5(35)

Status: Operational

Hollister, CA
(831) 524-3494

Lisa Freitas

Independent Broker

5(4)

Status: Operational

Hollister, CA
(408) 500-2838
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA Loan

Golden Eagle Mortgage Group

Independent Broker

5(24)

Status: Operational

Hollister, CA
(831) 636-5363
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA Loan

JGO Mortgage Inc - Juan Ochoa

Independent Broker

4.8(18)

Status: Operational

Atwater, CA
(209) 609-7467
USDA LoanConventional LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property Loan

North First Mortgage

Independent Broker

5(1)

Status: Operational

San Martin, CA
(408) 369-8890
USDA LoanRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Carlson Partners, Inc.

Independent Broker

No Reviews

Status: Operational

Gilroy, CA
(408) 888-1965
Reverse MortgageFHA LoanVA LoanRefinance

Casey Docherty | Loan Officer Outside Sales | Primary Residential Mortgage, Inc.

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 425-5600
RefinanceReverse MortgageVA Loan

Edward Walters | Branch Manager | Primary Residential Mortgage, Inc.

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 425-5600
RefinanceReverse MortgageVA Loan

Stephanie Montoya | Loan Officer Outside Sales | Primary Residential Mortgage, Inc.

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 725-9405
RefinanceReverse MortgageVA Loan

Primary Residential Mortgage, Inc.

Independent Broker

4.1(9)

Status: Operational

Merced, CA
(209) 725-9405
RefinanceReverse MortgageVA Loan

AJ Vasquez - Home Loans - NMLS# 1654160

Independent Broker

5(6)

Status: Operational

Merced, CA
(209) 777-6955
USDA LoanConventional LoanReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Nick Maravilla - Loan Officer NMLS#2571013

Independent Broker

5(3)

Status: Operational

Merced, CA
(209) 658-6307
USDA LoanConventional LoanHELOC / Home EquityReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

LeaderOne Financial Corporation

Independent Broker

5(19)

Status: Operational

Merced, CA
(209) 580-4464
USDA LoanConventional LoanReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Tristan Silva | NEXA Mortgage

Independent Broker

5(25)

Status: Operational

Turlock, CA
(209) 262-8370
USDA LoanConventional LoanRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Melissa Hurtado at Rate (NMLS #2142850)

Independent Broker

5(6)

Ready to help with your HECM goals.

Turlock, CA
(209) 206-9780
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Nina Rincon at Rate (NMLS #1756415)

Independent Broker

5(7)

Status: Operational

Turlock, CA
(209) 206-9788
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Tamara Pulido, Mortgage Loans NMLS #1655776

Independent Broker

5(184)

Status: Operational

Turlock, CA
(209) 204-3795
USDA LoanConventional LoanHELOC / Home EquityRefinanceFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Jesse Santana at Rate (NMLS #256630)

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 216-1719
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Supreme Lending

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 262-3303
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Supreme Lending

Independent Broker

5(1)

Status: Operational

Merced, CA
(209) 600-7096
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Chris Salazar - Loan Officer NMLS#2234775

Independent Broker

5(4)

Status: Operational

Merced, CA
(209) 628-0378
RefinanceVA Loan

Justin Collins - Loan Officer NMLS# 305729

Independent Broker

5(6)

Status: Operational

Merced, CA
(209) 761-2542
RefinanceVA Loan

Jeanette Garibay - Loan Officer NMLS#1085541

Independent Broker

No Reviews

Status: Operational

Merced, CA
(209) 600-3773
RefinanceVA Loan

CrossCountry Mortgage, LLC

Independent Broker

3.7(3)

Status: Operational

Turlock, CA
(209) 595-9859
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Ruby Oliveira at CrossCountry Mortgage

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 620-2752
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Guild Mortgage Co

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(858) 560-6330
USDA LoanConventional LoanHELOC / Home EquityRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

American Financial Network

Independent Broker

5(3)

Status: Operational

Merced, CA
(209) 769-5300
FHA LoanReverse MortgageConventional LoanVA Loan

Ability Ambeck Mortgage

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 632-9904

NEXA Mortgage, Fred Isaac NMLS #1885717

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 985-4788
USDA LoanConventional LoanRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Albino Orozco | NEXA Lending

Independent Broker

5(55)

Status: Operational

Turlock, CA
(209) 485-9811
USDA LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Maritza Bland at Rate (NMLS #187344)

Independent Broker

5(2)

Status: Operational

Turlock, CA
(209) 888-1428
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Rate

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 888-1418
USDA LoanHELOC / Home EquityConventional LoanRefinanceFHA LoanVA LoanJumbo LoanInvestment Property Loan

Envoy Mortgage

Independent Broker

5(102)

Status: Operational

Turlock, CA
(209) 535-7582
RefinanceReverse MortgageVA Loan

Shelly Perez at Rate (NMLS #765150)

Independent Broker

5(4)

Status: Operational

Turlock, CA
(209) 888-1447
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Andrew Narsi at Rate (NMLS #1172167)

Independent Broker

5(120)

Status: Operational

Turlock, CA
(209) 888-1418
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Wendy Kaiser at Rate (NMLS #241191)

Independent Broker

No Reviews

Status: Operational

Turlock, CA
(209) 585-0147
USDA LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Finance of America Mortgage LLC

Independent Broker

No Reviews

Status: Operational

Morgan Hill, CA
(408) 540-1142
Reverse Mortgage

Edward Arioto, Finance of America Mortgage LLC

Independent Broker

No Reviews

Status: Operational

Morgan Hill, CA
(480) 555-1234
Reverse Mortgage

Mike Gallagher, Finance of America Mortgage LLC

Independent Broker

No Reviews

Status: Operational

Morgan Hill, CA
(408) 930-6064
Reverse Mortgage

Hon Akao, Finance of America Mortgage LLC

Independent Broker

5(2)

Status: Operational

Morgan Hill, CA
(408) 891-6146
Reverse Mortgage

Land Home Financial Services

Independent Broker

5(7)

Status: Operational

Morgan Hill, CA
(408) 479-3090
Conventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo Loan

Global Mortgage

Independent Broker

5(126)

Status: Operational

Morgan Hill, CA
(408) 778-7144
USDA LoanConventional LoanHELOC / Home EquityRefinanceCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property Loan

Imelda Gonzalez Loan Officer 2351651

Independent Broker

5(7)

Status: Operational

Morgan Hill, CA
(408) 608-8905
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Dignified Home Loans

Independent Broker

5(8)

Status: Operational

Prunedale, CA
(831) 227-2133
Reverse MortgageRefinance

Celena Villarreal

Independent Broker

5(6)

Status: Operational

Ceres, CA
(209) 602-8030
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

OGI Mortgage Bankers

Independent Broker

1.8(4)

Status: Operational

Salinas, CA
(831) 784-8030
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property Loan

Concept Mortgage

Independent Broker

5(4)

Status: Operational

Watsonville, CA
(831) 722-6250
HELOC / Home EquityConventional LoanRefinanceCommercial LoanFHA LoanVA LoanJumbo LoanInvestment Property Loan

James Saville II at Concept Mortgage

Independent Broker

5(9)

Status: Operational

Watsonville, CA
(831) 535-3954
HELOC / Home EquityConventional LoanRefinanceCommercial LoanFHA LoanVA LoanJumbo LoanInvestment Property Loan

Platinum Capital Mortgage

Independent Broker

No Reviews

Status: Operational

Salinas, CA
(831) 229-1116
USDA LoanConventional LoanHELOC / Home EquityCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Steinbeck Real Estate & Steinbeck Mortgage

Independent Broker

4.8(32)

Status: Operational

Salinas, CA
(831) 417-1000
USDA LoanConventional LoanHELOC / Home EquityRefinanceCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Bay Equity Lending: Fernando Vicente, Mortgage Broker

Independent Broker

5(21)

Status: Operational

Watsonville, CA
(831) 234-0336
Conventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo Loan

Karma Mortgage Solutions

Independent Broker

5(1)

Status: Operational

Watsonville, CA
(831) 462-2496
USDA LoanConventional LoanHELOC / Home EquityReverse MortgageFHA LoanVA Loan

Seabright Mortgage

Independent Broker

5(2)

Status: Operational

Watsonville, CA
(831) 425-7880
USDA LoanConventional LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property Loan

West Coast Mortgage Group

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 527-9957
USDA LoanConventional LoanRefinanceCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Jesse Santana Home Loans

Independent Broker

5(69)

Status: Operational

Modesto, CA
(209) 505-1821
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Next Gen Home Loans

Independent Broker

5(447)

Status: Operational

Modesto, CA
(800) 544-8538
USDA LoanHELOC / Home EquityConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Platinum Capital Mortgage

Independent Broker

5(9)

Status: Operational

Salinas, CA
(831) 229-1116
USDA LoanConventional LoanHELOC / Home EquityCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Ed Parcaut - Mortgage Broker - Lending For Living

Independent Broker

5(79)

Status: Operational

Modesto, CA
(209) 528-0509

Modern Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 202-4236
USDA LoanConventional LoanRefinanceFHA LoanVA LoanJumbo LoanInvestment Property Loan

Gabe Duarte - Modern Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 818-2156
USDA LoanConventional LoanHELOC / Home EquityRefinanceCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Erin Facha | Fairway Independent Mortgage Corporation Loan Officer

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 988-4590
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Alexis Andrade, Real Estate Services

Independent Broker

5(8)

Status: Operational

Modesto, CA
(209) 560-6040
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanInvestment Property Loan

First Capital Mortgage Inc.

Independent Broker

4.5(4)

Status: Operational

Modesto, CA
(209) 522-7100
USDA LoanRefinanceFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Community West Mortgage

Independent Broker

No Reviews

Status: Operational

San Jose, CA
(408) 281-8383
Conventional LoanReverse MortgageFHA LoanVA LoanInvestment Property Loan

Angela Savage, Real Estate & Mortgage Broker

Independent Broker

5(2)

Status: Operational

Salinas, CA
(831) 417-1000
USDA LoanConventional LoanHELOC / Home EquityRefinanceCommercial LoanReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Brent Severns - Mortgage Consultant - Sierra Pacific Mortgage

Independent Broker

5(2)

Status: Operational

Modesto, CA
(209) 204-5213
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo LoanConstruction / Rehab Loan

Savannah with Ambeck Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 613-0461
RefinanceInvestment Property LoanVA Loan

Ability Ambeck Mortgage

Independent Broker

4.8(24)

Status: Operational

Modesto, CA
(209) 521-4480

Cindi Marshall - Loan Officer @ Ability Ambeck Mortgage

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 247-0124
Conventional LoanRefinanceFHA LoanVA Loan

Sara Willis - Ability Ambeck Mortgage

Independent Broker

4(4)

Status: Operational

Modesto, CA
(209) 456-2770
USDA LoanConventional LoanHELOC / Home EquityRefinanceReverse MortgageFHA LoanVA LoanJumbo Loan

Carrollton Mortgage Co

Independent Broker

5(14)

Status: Operational

Modesto, CA
(209) 526-6200
Reverse MortgageHELOC / Home EquityInvestment Property LoanRefinance

Franklin Loan Center | Erick Winchester

Independent Broker

5(3)

Status: Operational

Modesto, CA
(209) 345-3433
Conventional LoanHELOC / Home EquityReverse MortgageFHA LoanVA LoanJumbo LoanInvestment Property LoanConstruction / Rehab Loan

Brenda Olson, Finance of America Mortgage LLC

Independent Broker

5(2)

Status: Operational

Modesto, CA
(209) 340-1213
Reverse Mortgage

Jordi Peraza, Finance of America Mortgage LLC

Independent Broker

No Reviews

Status: Operational

Modesto, CA
(209) 340-1204
Reverse Mortgage

Amalia Lau, Finance of America Mortgage LLC

Independent Broker

5(4)

Status: Operational

Modesto, CA
(209) 340-1237
Reverse Mortgage

Cornerstone Mortgage

Independent Broker

5(2)

Status: Operational

Modesto, CA
(209) 578-9000
USDA LoanConventional LoanRefinanceReverse MortgageFHA LoanVA LoanJumbo Loan

Jasama Patel Senior Mortgage Consultant NMLS 1418124

Independent Broker

5(29)

Status: Operational

San Jose, CA
(650) 438-2133
Commercial LoanReverse MortgageConstruction / Rehab Loan

Local Area Summary

Active Coverage

Los Banos has 83 reverse mortgage providers actively serving the radius.

Nearest Specialist

The closest highly-rated lender is Holly Darsch at Rate (NMLS #885050), located in Hollister just 25.3 miles away.

Community Trust

These local professionals maintain a combined 1604 verified reviews with a strong 3.3 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 Guide

Built 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.