Reverse Mortgage Specialists in Rancho Santa Margarita
If you're searching for reverse mortgage lenders in Rancho Santa Margarita, you'll find a mix of local brokers and nationwide lenders. We've algorithmically sorted the closest and most highly-rated mortgage experts directly serving your neighborhood. Use our breakdown to confidently reach out to the professional closest to your zip code.
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 Rancho Santa Margarita
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 Rancho Santa Margarita
Next Generation Lender
Independent Broker
Status: Operational
Doug Betz Mortgage Lender, Realtor
Independent Broker
Status: Operational
Universal Capital Mortgage Corporation
Independent Broker
Status: Operational
Grand Lending Team
Independent Broker
Status: Operational
Pacific Choice Mortgage
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
Right Choice Mortgage, Inc
Independent Broker
Status: Operational
Right Choice Mortgage, Inc Ken Tyler
Independent Broker
Status: Operational
Sun Financial Group
Independent Broker
Status: Operational
Nearby Lenders to Rancho Santa Margarita192 Providers
Spectrum One Mortgage
Independent Broker
Ready to help with your HECM goals.
ILG Home Loans
Independent Broker
Status: Operational
Mortgage League of America
Independent Broker
Status: Operational
Equity123 Lending
Independent Broker
Status: Operational
DARA CAPITAL GROUP
Independent Broker
Status: Operational
JTM Financial
Independent Broker
Status: Operational
Accelerated Home Loans
Independent Broker
Status: Operational
First Phase Financial, Inc
Independent Broker
Status: Operational
Reverse Mortgage Advisors of America
Independent Broker
Status: Operational
Dane Residential Mortgage
Independent Broker
Status: Operational
Ladera Lending, Inc.
Independent Broker
Status: Operational
Lee Mortgage Advisors
Independent Broker
Status: Operational
Loangevity Mortgage
Independent Broker
Status: Operational
Truss Financial Group
Independent Broker
Status: Operational
Equity Access Group
Independent Broker
Status: Operational
Qualified Financial Inc.
Independent Broker
Status: Operational
Today's Home Mortgage
Independent Broker
Status: Operational
Ameri-Mtg
Independent Broker
Status: Operational
South Coast Funding Group
Independent Broker
Status: Operational
Ethos Lending
Independent Broker
Status: Operational
American Veteran Mortgage
Independent Broker
Status: Operational
Jeff Major C2 Financial Corp
Independent Broker
Status: Operational
Leslie Oneal
Independent Broker
Status: Operational
Mary Shuck
Independent Broker
Status: Operational
Movement Mortgage
Independent Broker
Status: Operational
Steven Barone - Senior Loan Officer
Independent Broker
Status: Operational
Ocean Lending Home Loans
Independent Broker
Status: Operational
Richard Advani at Rate (NMLS #396001)
Independent Broker
Status: Operational
Brendan Delahooke at Rate (NMLS #1560312)
Independent Broker
Status: Operational
Rate Inc.
Independent Broker
Status: Operational
Brendan Delahooke Home Loans
Independent Broker
Status: Operational
Michael Owens at Rate (NMLS #488362)
Independent Broker
Status: Operational
Rate
Independent Broker
Status: Operational
Rhea Hechanova at Rate (NMLS #315019)
Independent Broker
Status: Operational
Yoona Fine at Rate (NMLS #461746)
Independent Broker
Status: Operational
Tarik Shahin at Rate (NMLS #614593)
Independent Broker
Status: Operational
Mike Dye at Rate (NMLS #762231)
Independent Broker
Status: Operational
Chris Joseph at Rate (NMLS #299830)
Independent Broker
Status: Operational
Karol Vera at Rate (NMLS #810745)
Independent Broker
Status: Operational
American Financial Network
Independent Broker
Status: Operational
Homeland Financial Network, Inc
Independent Broker
Status: Operational
Access Home Lending LLC
Independent Broker
Status: Operational
Formula Loans
Independent Broker
Status: Operational
Capital Funding
Independent Broker
Status: Operational
Chris Chudacoff / True Point Lending
Independent Broker
Status: Operational
Jimmy Henderson
Independent Broker
Status: Operational
First Rate Lending
Independent Broker
Status: Operational
Paul Bogosian
Independent Broker
Status: Operational
Jason Smith
Independent Broker
Status: Operational
Purpose Funding
Independent Broker
Status: Operational
Mortgage Link 1, Inc
Independent Broker
Status: Operational
Tony Ronan | Mortgage and Real Estate Broker
Independent Broker
Status: Operational
Christine Furnari Purchase Loans and Reverse Mortgages
Independent Broker
Status: Operational
Charter Pacific Lending Corp
Independent Broker
Status: Operational
Oso Creek Mortgage – Mark Stillman, Mortgage Broker
Independent Broker
Status: Operational
National Pacific Lending
Independent Broker
Status: Operational
Andrew Del Rey, Mortgage Banker, Union Home Mortgage
Independent Broker
Status: Operational
Kelly Mortgage, Inc.
Independent Broker
Status: Operational
Linour Lending
Independent Broker
Status: Operational
AS IS Lending
Independent Broker
Status: Operational
Star Financial
Independent Broker
Status: Operational
Tom Hodges with Qualified Home Loans
Independent Broker
Status: Operational
Elixir Mortgage Lending
Independent Broker
Status: Operational
Promise Home Loans
Independent Broker
Status: Operational
Glenn Cooper Mortgage Broker
Independent Broker
Status: Operational
Independent Lending - Private Money
Independent Broker
Status: Operational
Michelle Russell - American Pacific Mortgage
Independent Broker
Status: Operational
Linear Home Loans Inc.
Independent Broker
Status: Operational
Magellan Capital Group & Assoc. DBA Aliso Niguel Mortgage
Independent Broker
Status: Operational
Omega 1 Funding
Independent Broker
Status: Operational
Dusty Lloyd - Promise Home Loans
Independent Broker
Status: Operational
Raul Pinedo-PrimeLending NMLS 453814
Independent Broker
Status: Operational
Svetlana Cameron - Primelending NMLS 678909
Independent Broker
Status: Operational
Tiffany Garcia NMLS#632719 PrimeLending
Independent Broker
Status: Operational
Dan Skidmore - CMG Financial Mortgage Loan Officer NMLS# 577605
Independent Broker
Status: Operational
Lexington Home Loans
Independent Broker
Status: Operational
RPM Bancorp Inc
Independent Broker
Status: Operational
EZDirectLoans
Independent Broker
Status: Operational
NEXA Mortgage LLC.: Alan Parker-Duke
Independent Broker
Status: Operational
Citywide Group
Independent Broker
Status: Operational
Jale Goztepe: Mortgage Broker
Independent Broker
Status: Operational
JJ Mazzo - CrossCountry Mortgage
Independent Broker
Status: Operational
CrossCountry Mortgage, LLC
Independent Broker
Status: Operational
Trustlink Mortgage
Independent Broker
Status: Operational
Everwise Home Loans & Realty
Independent Broker
Status: Operational
Dan the Man for Mortgages
Independent Broker
Status: Operational
Fay Hamadanchy - NMLS 221329 - PrimeLending
Independent Broker
Status: Operational
Michael Anthony O'Connor - Community Home Funding, Inc.
Independent Broker
Status: Operational
Rissling Home Lending
Independent Broker
Status: Operational
Paul Javaheri at C2 Financial
Independent Broker
Status: Operational
PRMG - Corissa Dailey
Independent Broker
Status: Operational
Essex Mortgage
Independent Broker
Status: Operational
Network Lending Services
Independent Broker
Status: Operational
JDR Mortgage
Independent Broker
Ready to help with your HECM goals.
OnPoint Mortgage Pro
Independent Broker
Status: Operational
Mutual of Omaha Mortgage
Independent Broker
Status: Operational
Sean Skaggs | 🍊OC Reverse Mortgage Specialist
Independent Broker
Status: Operational
Mortgage Finance Group, Inc.
Independent Broker
Status: Operational
Reverse Mortgage West
Independent Broker
Status: Operational
Finance of America Mortgage LLC
Independent Broker
Status: Operational
Heather Millspaugh, Finance of America Mortgage LLC
Independent Broker
Status: Operational
Adaptive Mortgage Solutions, Inc.
Independent Broker
Status: Operational
Matt Nouraei - Linour Lending
Independent Broker
Status: Operational
Liberty Financial
Independent Broker
Status: Operational
Coastal Pacific Financial
Independent Broker
Status: Operational
Sean Mesdaghi, NMLS# 264444
Independent Broker
Status: Operational
Avid Mortgage Solutions
Independent Broker
Status: Operational
Payless Reverse Mortgage
Independent Broker
Status: Operational
GM Funding
Independent Broker
Status: Operational
First American Financial Group - Orange county’s Real Estate and Mortgage specialists
Independent Broker
Status: Operational
Aliso Niguel Mortgage
Independent Broker
Status: Operational
LifeSource Mortgage
Independent Broker
Status: Operational
Green Monarch Reverse Mortgage
Independent Broker
Status: Operational
Guaranteed Rate
Independent Broker
Ready to help with your HECM goals.
Orange County Mortgage & Loan Specialist
Independent Broker
Status: Operational
Rescom Financial Services
Independent Broker
Status: Operational
Lyon House
Independent Broker
Status: Operational
Finance of America
Independent Broker
Status: Operational
RTC Mortgage Corporation
Independent Broker
Status: Operational
United Financial
Independent Broker
Status: Operational
Patriot Equity Mortgage LLC
Independent Broker
Status: Operational
BRICKELL ADVISORY, LLC
Independent Broker
Status: Operational
Mutual of Omaha Reverse Mortgage
Independent Broker
Status: Operational
Breeze Funding, Inc.
Independent Broker
Status: Operational
New American Funding - Matthew Moore
Independent Broker
Status: Operational
New American Funding - Ryan Whitmore
Independent Broker
Status: Operational
New American Funding - Ryan Scott Whitmore
Independent Broker
Status: Operational
New American Funding - Tom Jessop
Independent Broker
Status: Operational
New American Funding - Jeff Moore
Independent Broker
Status: Operational
Marlene Imelda Damian
Independent Broker
Status: Operational
David Self
Independent Broker
Status: Operational
William Hockett
Independent Broker
Status: Operational
Mike Lynch
Independent Broker
Status: Operational
Intelliloan
Independent Broker
Status: Operational
Norma Mora, Mortgage Loan Officer
Independent Broker
Status: Operational
Change Home Mortgage
Independent Broker
Status: Operational
Mortgage X, LLC
Independent Broker
Status: Operational
San Clemente Reverse Mortgages
Independent Broker
Status: Operational
Matt Cady Mortgage Team
Independent Broker
Status: Operational
Pacific Shoreline Funding
Independent Broker
Status: Operational
Reverse Mortgage Educators, Inc
Independent Broker
Status: Operational
Vic Joshi's Straight Deal Mortgage Irvine
Independent Broker
Status: Operational
Bill Daniels Quantum Lending Corp.
Independent Broker
Status: Operational
Mutual of Omaha Mortgage
Independent Broker
Status: Operational
DBH Home Loans - NMLS #846180
Independent Broker
Status: Operational
Mark Hanna
Independent Broker
Status: Operational
Primco Mortgage
Independent Broker
Status: Operational
Kevin Piel - Primco Mortgage Sales Manager NMLS# 236235
Independent Broker
Status: Operational
Susan Van Wagenen - Primco Mortgage Loan Officer NMLS# 244248
Independent Broker
Status: Operational
Firstline Home Loans
Independent Broker
Status: Operational
Crestline Funding
Independent Broker
Status: Operational
Dove Financial
Independent Broker
Status: Operational
YAZ HOME LOANS INC.
Independent Broker
Status: Operational
American Senior Lending
Independent Broker
Status: Operational
HighTechLending, Inc.
Independent Broker
Status: Operational
Independent Home Finance, Inc
Independent Broker
Status: Operational
NewRate Lending
Independent Broker
Status: Operational
Immensity Group
Independent Broker
Status: Operational
Chad R Levinger at Certainty Home Lending (NMLS #1110600)
Independent Broker
Status: Operational
Certainty Home Lending
Independent Broker
Status: Operational
Ryan Zoss at Certainty Home Lending (NMLS #8314)
Independent Broker
Status: Operational
Mortgage Direct Financial
Independent Broker
Status: Operational
Brave Mortgage
Independent Broker
Status: Operational
The Lending Team
Independent Broker
Status: Operational
Family Financial Home Loans, Inc.
Independent Broker
Status: Operational
William "Rick Dale" West Capital Lending
Independent Broker
Status: Operational
Nations Financial Mortgage
Independent Broker
Status: Operational
Future First Lending
Independent Broker
Status: Operational
Direct Finance
Independent Broker
Status: Operational
Scott Storace, Branch Manager, NMLS: 226339
Independent Broker
Status: Operational
James Savelsberg at Prosperity Home Mortgage
Independent Broker
Status: Operational
Prime Pacific Financial
Independent Broker
Status: Operational
Michael Martin, Finance of America Mortgage LLC
Independent Broker
Status: Operational
Glenn Henry, Finance of America Mortgage LLC
Independent Broker
Status: Operational
Pacific Coast Home Loans & Realty, Inc
Independent Broker
Status: Operational
Finance of America Mortgage LLC
Independent Broker
Status: Operational
Erica Benvenuto, The Loan Queen
Independent Broker
Status: Operational
Matthew Lewis Team | Arbor Financial Group | NMLS 987209 | Purchase | Refinance | Reverse Mortgage
Independent Broker
Status: Operational
Chris Sauser | Mortgage Broker | LUMI Funding Group
Independent Broker
Status: Operational
Dat Loans - Everyday Lending Group - Arbor Financial
Independent Broker
Status: Operational
Schuler Lending Team
Independent Broker
Status: Operational
Keith DeJohn, Mortgage Lender - A Professional Mortgage Experience
Independent Broker
Status: Operational
ARBOR Financial Group | #1 Mortgage Broker
Independent Broker
Status: Operational
Nathan Carpenter - Mortgage Loan Officer
Independent Broker
Status: Operational
Michaela Phillips, Mortgage Lender
Independent Broker
Status: Operational
Momi Pointer - Arbor Financial Group
Independent Broker
Status: Operational
The Kopelson Team | Arbor Financial Group
Independent Broker
Status: Operational
Brandon Papineau - Everyday Lending Group - Arbor
Independent Broker
Status: Operational
David Arvidson Loans
Independent Broker
Status: Operational
Thomas Drasler - ARBOR Financial Group
Independent Broker
Status: Operational
ALT Financial Network Inc.
Independent Broker
Status: Operational
City Edge Financial
Independent Broker
Status: Operational
Local Area Summary
Active Coverage
Rancho Santa Margarita has 200 reverse mortgage providers actively serving the radius.
Nearest Specialist
The closest highly-rated lender is Next Generation Lender, located in Rancho Santa Margarita just 0.9 miles away.
Community Trust
These local professionals maintain a combined 8556 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.