Compare Reverse Mortgage Lenders in Santa Cruz, California
If you're searching for reverse mortgage lenders in Santa Cruz, 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.
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Top Reverse Mortgage Lenders Serving Santa Cruz
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.
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Nearby Lenders to Santa Cruz185 Providers Total
Silvia Urbina Padilla Motto Mortgage Golden Standard
Independent Broker
Status: Operational
Steve Mitchell - C2 Financial Corporation
Independent Broker
Status: Operational
Norcal Capital Group, Inc
Independent Broker
Status: Operational
Angela Savage, Real Estate & Mortgage Broker
Independent Broker
Status: Operational
HCS Equity
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
Jen Castaneda at Supreme Lending
Independent Broker
Status: Operational
Darlene Gonzalez at Citywide (NMLS #483911)
Independent Broker
Status: Operational
Jessie Yeung - Mortgage Connection
Independent Broker
Status: Operational
Mortgage Connection
Independent Broker
Status: Operational
Lakshmi Yokoyama - NMLS 270710South San Francisco Mortgage Broker
Independent Broker
Status: Operational
Gaurav Vaish
Independent Broker
Status: Operational
Excel Realty & Mortgage, Inc.
Independent Broker
Status: Operational
Megan Price - Mortgage Loan Officer | Home Loans & Refinancing
Independent Broker
Status: Operational
Excel Realty and Mortgage
Independent Broker
Status: Operational
Kathleen Senna - Excel Realty and Mortgage
Independent Broker
Status: Operational
Local Area Summary
Active Coverage
Santa Cruz has 200 reverse mortgage providers actively serving the radius.
Nearest Specialist
The closest highly-rated lender is Carpe Diem Financial Services, located in Ben Lomond just 3.7 miles away.
Community Trust
These local professionals maintain a combined 7449 verified reviews with a strong 3.2 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.