California homeowner activating reverse mortgage while retired couple enjoys beach lifestyle made possible through home equity

California Reverse Mortgage Options — Solve Lending & Realty

Choose the Reverse Mortgage That Fits Your Life

At Solve Lending & Realty, we’ve walked this path with hundreds of California families. Whether you’re looking to retire comfortably, help your kids financially, or just breathe easier without a mortgage payment, we’re here to make sure you understand every option — and never feel pressured. This isn’t just about unlocking equity — it’s about making the next chapter of your life feel lighter, freer, and fully yours.

HECM REFINANCE

Unlock equity without giving up ownership or moving. A HECM refinance can eliminate your monthly mortgage payment* while providing funds for what matters most — all with the security of an FHA-insured loan.

Borrower must still pay property taxes, insurance, and maintain the home.

HECM for purchase

Downsize or relocate with confidence. With a HECM for Purchase, you can buy a home using a reverse mortgage — with no required monthly mortgage payment*. Keep your cash, keep your freedom, and settle into your next chapter.

Borrower must still pay property taxes, insurance, and maintain the home.

Jumbo (HomeSafe)

Own a home worth over $1M? A HomeSafe® Jumbo Reverse may unlock significantly more equity than a traditional HECM. Designed for higher-value properties with flexible payout structures — and no required monthly mortgage payments.*

Borrower must still pay property taxes, insurance, and maintain the home.

reverse second mortgage

Love your current low-rate mortgage? No need to touch it. With a proprietary reverse second mortgage, you can unlock cash from your equity — while keeping your existing loan intact. Ideal for high-equity homeowners who need flexibility without refinancing.

Keep Your First Mortgage. Add a Reverse Second.

Reverse Mortgage Loan Originator & Owner

Kiyoshi Inui

I’m Kiyoshi Inui, President of Solve Lending & Realty. For over 20 years, I’ve helped seniors across California turn their home equity into peace of mind. We’re a family-run, veteran-owned team who understands that this isn’t just about a loan — it’s about keeping your home, your freedom, and your dignity. Whether you’re looking to refinance, relocate, or just breathe easier without a monthly mortgage payment, we’ll walk you through it step by step — with patience, clarity, and zero pressure.

Trusted by hundreds of California seniors

Specialists in HECM, Jumbo, and Reverse 2nd Mortgages

Family-run and veteran-led with 40+ years of combined experience

Licensed, HUD-compliant, and always transparent

5-Star rated on Google, Yelp & Facebook — real stories from real homeowners

Reverse Mortgage Loan Originator & Owner, Solve Lending & Realty

Rated 5-Stars by California Borrowers Like You

This material is not from HUD or FHA and has not been approved by HUD or any government agency.​

*The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.​

**Not tax advice. Please consult a tax professional.​

When the loan is due and payable, some or all of the equity in the property that is the subject of the reverse mortgage no longer belongs to borrowers, who may need to sell the home or otherwise repay the loan with interest from other proceeds. The lender may charge an origination fee, mortgage insurance premium, closing costs and servicing fees (added to the balance of the loan). The balance of the loan grows over time and the lender charges interest on the balance. Borrowers are responsible for paying property taxes, homeowner’s insurance, maintenance, and related taxes (which may be substantial). We do not establish an escrow account for disbursements of these payments. A set-aside account can be set up to pay taxes and insurance and may be required in some cases. Borrowers must occupy home as their primary residence and pay for ongoing maintenance; otherwise, the loan becomes due and payable. The loan also becomes due and payable (and the property may be subject to a tax lien, other encumbrance, or foreclosure) when the last borrower, or eligible non-borrowing surviving spouse, dies, sells the home, permanently moves out, defaults on taxes, insurance payments, or maintenance, or does not otherwise comply with the loan terms. Interest is not tax-deductible until the loan is partially or fully repaid.​

Solve Lending & Realty

18000 Studebaker Rd. Suite 700

Cerritos, CA 90703

Phone: (833)2-SOLVE-4

[email protected]

Equal Housing Lender

Company NMLS ID: 2013271

www.nmlsconsumeraccess.org

California - DFPI ID: 60DBO-153595

https://docqnet.dfpi.ca.gov/LicenseSearch/LicenseDetails

Equal Lender Opportunity

Equal Housing Opportunity

Equal Housing Opportunity

Company DRE ID: 02123993

www2.dre.ca.gov/PublicASP/pplinfo.asp

For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

By submitting above, I authorize an affiliated Solve Lending & Realty representative to call me, send text messages and emails to me about property valuations and financing options at the number entered above even if I'm on a National or State "Do Not Call" list. You can opt-out anytime, data and message rates may apply.

©2022 Solve Lending & Realty

18000 Studebaker Rd. Suite 700

Cerritos, CA 90703

Phone: (833)2-SOLVE-4

[email protected]

Company NMLS ID: 2013271

www.nmlsconsumeraccess.org

CFL License Number 60DBO-153595 https://docqnet.dfpi.ca.gov/LicenseSearch/LicenseDetails

Equal Lender Opportunity

Equal Housing Opportunity

Company DRE ID: 02123993

www2.dre.ca.gov/PublicASP/pplinfo.asp

For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.

By submitting above, I authorize an affiliated Solve Lending & Realty representative to call me, send text messages and emails to me about property valuations and financing options at the number entered above even if I'm on a National or State "Do Not Call" list. You can opt-out anytime, data and message rates may apply.

©2022 Solve Lending & Realty