HECM Reverse Mortgages in San Diego County

A detailed guide to the Home Equity Conversion Mortgage (HECM), the FHA-insured reverse mortgage program. Understand the rules, limits, and process for San Diego County homeowners.

Calculate Your HECM Proceeds Call (562) 262-9162

Educational guide only — not financial advice. All programs require counseling.

NMLS 2013271 DRE 02123993 Licensed in California No obligation • No credit pull
Key HECM Feature: The HECM is a non-recourse loan. You or your heirs will never owe more than the home is worth when the loan is repaid.
HECM Rules for 2026 How You Can Receive Your Money Get a HECM Quote

HECM Rules for 2026

Age Requirement: All borrowers must be 62 years of age or older.
Primary Residence: The property must be your primary residence, where you live most of the year.
Sufficient Equity: You must own your home outright or have a low mortgage balance that can be paid off with the HECM proceeds.
Financial Assessment: Lenders will conduct a financial assessment to ensure you can continue to pay property taxes, homeowners insurance, and HOA fees.
HUD Counseling: You must complete a counseling session with an independent, HUD-approved counseling agency.
2026 HECM Limit

The 2026 FHA national lending limit for HECMs is $1,249,125. This is the maximum home value that can be used to calculate your loan proceeds. If your San Diego home is valued higher, a jumbo reverse mortgage may provide more funds.

*California Law Note: A mandatory 7-day waiting period applies after your HUD counseling before an application can be filed.

How You Can Receive Your Money

  • Lump Sum: A single, large payment at closing.
  • Tenure: Fixed monthly payments for as long as you live in the home.
  • Term: Fixed monthly payments for a set number of years.
  • Line of Credit: Draw funds as you need them, with the unused portion growing over time.
  • Combination: A mix of the above, such as a partial lump sum and a line of credit.

Get a HECM Quote

We can provide a detailed HECM quote showing your estimated proceeds, costs, and interest rates based on your specific age, home value, and financial situation.

Get a No-Obligation Quote

Solve Lending & Realty
NMLS 2013271 | DFPI CFL 60DBO-153595 | DRE 02123993
Equal Housing Opportunity

Denied on a HECM — or approved for less than you needed? Here’s what may still work.

Kiyoshi Inui, San Diego County Mortgage Strategist NMLS 1173299
Kiyoshi InuiSan Diego County Mortgage Strategist
NMLS 1173299 | Solve Lending & Realty
(562) 262-9162
Jessica Rinaldi, Realtor DRE 02015890
Jessica RinaldiRealtor
DRE 02015890
(562) 262-9162
Kiyoshi Inui
Written by Kiyoshi Inui — NMLS 1173299
Mortgage Strategist, Solve Lending & Realty | San Diego County

How are my available HECM proceeds determined in San Diego County?

The proceeds available on a San Diego County HECM depend on the age of the youngest borrower, current interest rates, and the home value up to the 2026 FHA maximum claim amount of $1,249,125. Older borrowers and lower interest rates generally allow access to a larger share of the home’s value, while amounts vary by borrower and are subject to qualification and lender guidelines. Our team runs the specific calculation for each San Diego County property before any application is submitted.

Is HUD counseling required for a HECM in San Diego County?

HECM mandatory counseling in San Diego County requires all borrowers to complete independent counseling with HUD-approved agencies before application submission. California law mandates an additional 7-day waiting period after counseling before lenders can accept applications to ensure informed decision-making. Our team coordinates with HUD-approved counselors to structure San Diego County HECM transactions that comply with federal consumer protection requirements while maintaining efficient closing timelines.