Julie Crittenden
Retirement Mortgage Specialist
NMLS #1816130 | DRE #01801629
(619) 992-6044
Reverse mortgages allow seniors, 55 and older, to tap into the equity in their home to produce a stream of income. This compliments any retirement savings and social security, so our seniors can maintain their standard of living and have secure financial opportunities they can depend on.
Reverse mortgage loans have specific qualifications. Borrowers must be at least 55 years old and own their primary residence. They must also have equity in the house to pay off any outstanding balances.
Why Borrowers Trust C2 Reverse
As the fastest growing division at C2, the reverse team has more Certified Reverse Mortgage Planners than any other mortgage broker in the industry. Only 25% of those who take the reverse mortgage exam pass. Every C2 Reverse Mortgage Planner must then go through a strict proprietary certification process.
C2's proprietary certification program ensures every loan officer has access to continued education so they too can originate reverse mortgage loans. Their program is split into three categories—learn, market, and originate.
What is a reverse mortgage, and how can it help with retirement planning in San Diego?
A reverse mortgage allows homeowners aged 62+ (and in some cases as young as 55+)to convert part of their home equity into tax-free cash while continuing to live in and own their home. At C2 Financial, we help San Diego seniors use it strategically—not just for today’s needs, but as part of a broader retirement plan that complements investments and income sources for greater security and flexibility.
Is home equity only useful if I need money right now? (Myth Buster)
No—that’s a common myth. Home equity is one of the most powerful tools for long-term retirement security. Setting up access early (like a growing line of credit) acts as a longevity hedge if you live longer than expected, or a volatility buffer during market downturns—letting you avoid selling investments at a loss. It’s about building options so you’re never forced into poor financial timing.
How does a reverse mortgage support aging in place?
Aging in place means staying in your beloved home and neighborhood with independence. It’s not just about the house—it’s a financial decision. A reverse mortgage provides flexible funds for home modifications, in-home care, or changing health needs, giving you the options to stay in control rather than relying solely on savings or moving.
Can a reverse mortgage really act as a 'longevity hedge' in retirement?
Yes. If you outlive your projections, a properly structured reverse mortgage provides an additional, growing source of funds later in life. It works alongside Social Security, pensions, and investments to help ensure your money lasts as long as you do—offering peace of mind without depleting other resources prematurely.
How can home equity serve as a 'volatility buffer' during market downturns?
When investments drop and you need cash, drawing from a reverse mortgage line of credit instead lets your portfolio recover. This avoids locking in losses from forced sales. It’s not about replacing investments—it’s about smart coordination so your overall retirement strategy is more resilient to market ups and downs.
Do I still own my home with a reverse mortgage?
Absolutely—you retain full ownership and title. You continue living in your home as long as you meet basic obligations (like property taxes, insurance, and maintenance). The loan is repaid when you no longer occupy the home, typically from the home’s sale proceeds, with no personal liability beyond the home’s value.
How do reverse mortgages fit into a complete retirement plan?
Retirement today works best with multiple resources working together: income streams, investments, and home equity. A reverse mortgage adds flexibility and options, reducing the risk of tough choices during unexpected events. At C2 Financial, we focus on designing plans where home equity enhances—not replaces—your other assets.
Who is a good candidate for a reverse mortgage?
Homeowners 62+ (and in some cases 55+)with sufficient equity in their primary residence or a second residence, who want to stay independent longer. It’s ideal for those who are “house rich and cash poor,” wish to age in place, or seek strategic access to equity for retirement security—whether for immediate needs or as a future safety net.
Will a reverse mortgage affect my heirs or leave them with debt? No—the loan is non-recourse, meaning you (or your estate) never owe more than the home’s value. Heirs inherit the home and can repay the loan (often by selling or refinancing) or walk away without personal liability. It preserves options for your family while prioritizing your control during retirement.
Why choose C2 Financial for a reverse mortgage?
We specialize in retirement-focused reverse mortgages with more Certified Reverse Mortgage Professionals than most lenders. Our approach emphasizes education, options, and integration with your full financial picture—helping you age in place confidently, hedge against longevity and market risks, and maintain independence on your terms.
