Reverse Mortgage — Los Angeles
Los Angeles Homeowners: Your Equity Is Your Retirement Asset
LA home values are among the highest in the nation — and a reverse mortgage lets you access that equity without selling, without monthly payments, and without giving up ownership.
Why Los Angeles Is Ideal for a Reverse Mortgage
Los Angeles County homeowners have seen extraordinary appreciation over the past two decades. The median home value in LA County exceeds $800,000 — and many long-term homeowners have $500,000 to $2 million or more in equity. A reverse mortgage converts that equity into usable retirement income, a mortgage payoff, or a home purchase — without requiring a sale.
$1,209,750
2025 HECM loan limit for LA County
55+
Minimum age for jumbo reverse in California
$4M+
Maximum jumbo reverse mortgage for high-value LA homes
Reverse Mortgage Options for LA Homeowners
HECM (Standard)
FHA-insured reverse mortgage for LA homeowners 62+. Loan limits up to $1,209,750 in 2025. Non-recourse — you will never owe more than your home is worth. Available as lump sum, monthly payments, or line of credit.
Jumbo Proprietary
For LA homes above the HECM limit. Available to borrowers as young as 55. Access equity on homes valued up to $10 million with loan amounts up to $4 million. Ideal for Westside, Beverly Hills, Bel Air, and other high-value LA neighborhoods.
HECM for Purchase
Buy a new home in Los Angeles with no monthly mortgage payment. Combine a down payment with HECM proceeds to purchase the home you want — closer to family, single-story, or in a preferred neighborhood.
Serving All of Los Angeles County
Brooks Mortgage serves reverse mortgage clients throughout Los Angeles County — from the South Bay to the San Fernando Valley, the Eastside to the Westside.
- Westside (Santa Monica, Brentwood, Bel Air, Pacific Palisades)
- South Bay (Torrance, Palos Verdes, Redondo Beach, Manhattan Beach)
- San Fernando Valley (Sherman Oaks, Encino, Woodland Hills)
- San Gabriel Valley (Pasadena, Arcadia, Monrovia)
- Harbor Area (San Pedro, Wilmington, Long Beach)
- Southeast LA (Cerritos, Lakewood, Downey, Whittier)
Why Brooks Mortgage
Your Los Angeles Reverse Mortgage Specialist
Isaac Brooks (MLO NMLS #485765) is based in Cerritos and has deep roots in the Los Angeles market. As an independent broker, Brooks Mortgage shops multiple HECM and jumbo reverse lenders to find the best terms for your LA home — not just one bank's product. We serve clients from the South Bay to the San Fernando Valley.
Schedule My Free LA ConsultationLos Angeles Reverse Mortgage FAQs
Get Your Free Los Angeles Reverse Mortgage Consultation
Tell us about your LA home and goals — we'll identify the best reverse mortgage option for your situation.
Personalized for you
Get Your Personalized Mortgage Rate
Every borrower is different. Tell us about your scenario and we'll compare programs and rates tailored to you — no obligation.
- Compare multiple loan programs side by side
- Review interest rate, APR, points, and monthly payment
- Speak directly with an experienced mortgage broker
Specialized programs available