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
Barrett Garner, NMLS #252352
Independent Broker
Status: Operational
Santa Cruz Lending Group - Powered by Mason-McDuffie Mortgage Corporation
Independent Broker
Status: Operational
Tai Boutell - Santa Cruz Lending Group
Independent Broker
Status: Operational
Dwayne Dawson - Argus Home Loans Real Estate Financing
Independent Broker
Status: Operational
Dwayne Dawson - Senior Loan Officer, Broker
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
Argus Home Loans
Independent Broker
Status: Operational
Robert Huibers, Mortgage Advisor
Independent Broker
Status: Operational
Michael Jacobs at Citywide (NMLS #309559)
Independent Broker
Status: Operational
Michele Reen at Citywide (NMLS #304120)
Independent Broker
Ready to help with your HECM goals.
Westside Mortgage Group
Independent Broker
Status: Operational
Silicon Valley Mortgage
Independent Broker
Status: Operational
New American Funding - Lewis Wehner
Independent Broker
Status: Operational
New American Funding - Chris Allen
Independent Broker
Status: Operational
New American Funding - Josh Martin
Independent Broker
Status: Operational
New American Funding - Mary Hou
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.