Estate Solutions LLC.

Reverse Mortgage Temecula

Borrowers 62yrs+

Most reverse mortgage lenders require borrowers to be at least 62yrs old, but sometimes 55. Contact us for more information.
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No Mortgage Payments

No more mortgage payments. Simply keep up with your property taxes, insurance, HOA, and home maintenance. Call for details.
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Simple Process

Attend the required reverse mortgage counseling over the phone or in person. We'll order an appraisal and fund the loan.
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Estate Solutions LLC.

Are you thinking about getting a reverse mortgage in Temecula? Call now!

If you’re a homeowner in Temecula that’s 62 and older, you can use a reverse mortgage loan to access your home equity to aid with retirement expenses. Reverse mortgage loan proceeds can be used to pay for medical expenses or other obligations.

A reverse mortgage will also safeguard your investment accounts during economic slowdowns, or even to put off taking Social Security and maximize your monthly income later down the line.

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Local Reverse Mortgage in Temecula

Take Advantage of Your Home's Equity in Temecula and Turn it Into Cash.

Get The Best Rate

To get the best reverse mortgage rate, we contact multiple wholesale resources so you don't have to. You can use multiple loan estimates to your advantage by comparing interest rates & fees.

Fast Process

Our team will work hard to find the best reverse mortgage loan programs that meet your needs and expectations. We usually have an answer for you within 48 hours. Contact us now.

Lump Sum or Equity Line

Benefit from rising property values. We can provide you with an equity line based on today's valuation even if you don't require a lump sum of money right away.

Home Maintenance

You can keep your house in good shape with the assistance of our mortgage concierge service. You can obtain necessary repairs with the money from your reverse mortgage.
Real Estate Concierge Services

Temecula Reverse Mortgage

We compare the best reverse mortgage programs for you.

Home Equity Conversion Mortgages (HECMs)

HECM’s are backed by the Federal Housing Administration.

The majority of borrowers choose for a Federal Housing Administration-backed home equity conversion mortgage (HECM). The HECM is popular because it offers consumers in Temecula protection by requiring an impartial reverse mortgage counselor and protects lenders from losses by charging borrowers mortgage insurance.

HECM funds can be used for any intent. The maximum claim amount of a HECM limits how much a homeowner can borrow. In 2022, the highest payout for a HECM in the United States is $970,800.

Simple Process

More Choices

Retire Faster

Pay off Debt

Tax Free

Save Money

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How We Work in Temecula

Cost-effective & fast results


Gathering Information

First we determine we determine the best reverse program you qualify for. We analyze your financial situation, and your property value.


Consult Local Vendors

We utilize our large network of reverse mortgage vendors to find you the best offers based on your needs. You make the final decision.


Start The Process

After you decide on the best program that fits your needs, the process begins. We can manage everything for you to conserve your time.



Your reverse mortgage will be completed quickly and professionally. If you have any issues, contact us. Remember, we work for you.

Reverse Mortgage in Temecula

Get a customized reverse mortgage solution.

With a reverse mortgage in Temecula, you can live in your home for as long as you want without having to make monthly mortgage payments.

Your only obligations as a borrower are to continue paying property taxes and insurance, to keep the property in good condition, and to follow all other loan terms.

Reverse Mortgage FAQ

Frequently Asked Questions About Reverse Mortgages

How Does a Reverse Mortgage Work in Temecula?

You make no monthly mortgage payments with a reverse mortgage. You are free to stay in the house for as long as you want. Your only obligations as a borrower are to continue paying property taxes and insurance, to keep the property in good condition, and to follow all other loan terms.

Will I Still Own My Home With a Reverse Mortgage?

Yes. You will retain ownership of your home with any reverse mortgage loan as long as you pay your property taxes, homeowners insurance, and follow the loan terms. If you fail to meet these obligations, the bank will take title to your home.

This small piece of information is one of the most common misconceptions about reverse mortgages. The truth is that as long as you pay your taxes and insurance and follow the terms of your loan, you are the owner of the home and can live there for as long as you want.

Who is Eligible For a Reverse Mortgage in Temecula?

To be eligible for a reverse mortgage, you must meet the following requirements:

  • You must be at least 62 years old.
  • You must own your home outright or have at least 50% equity.
  • Live in the house for the majority of the year
  • You must not be in arrears on federal debt, such as student loans or income taxes.
  • Demonstrate your ability to pay ongoing property taxes and homeowners insurance.
  • Seek advice from a HUD-approved reverse mortgage counselor.
  • Maintain the condition of your home or use reverse mortgage funds for necessary repairs.

What Are The Different Types of Reverse Mortgages?

Most homeowners select one of three types of reverse mortgages:

Home Equity Conversion Mortgages (HECMs). HECM funds can be used for any purpose. The “maximum claim amount” of a HECM limits how much a homeowner can borrow. In 2022, the maximum claim amount for a HECM in the United States, is $970,800.

Proprietary Reverse Mortgages. Private companies provide reverse mortgage programs with loan amounts that exceed the FHA’s HECM loan limits. You may be able to borrow more money from the start than with a HECM, but these proprietary reverse loans are not insured by the federal government and may be more expensive.

Single-Purpose Reverse Mortgages. Special reverse mortgages may be offered by state and local government agencies to meet specific homeowner needs, such as paying past-due property taxes or making repairs to keep a home safe and livable. However, not every state provides them.

What's The Pros of a Reverse Mortgage?

  • With no monthly mortgage payment, you can stay in your home for a longer period of time.
  • You’ll have more options for accessing your equity than with traditional mortgages.
  • You can supplement your retirement income while leaving other retirement accounts alone.
  • You can pay off debt or set aside money for unexpected medical expenses in a rainy day fund.
  • You will not be taxed on the reverse mortgage proceeds.
  • You will keep your heirs from inheriting an underwater house.

Is a Reverse Mortgage a Good Idea For You?

A reverse mortgage may be advantageous if:

  • You currently have no mortgage or a mortgage with a very low balance.
  • You have insufficient retirement savings.
  • You do not have enough income to qualify for a traditional mortgage or home equity loan.
  • Your retirement income is extremely limited.
  • You intend to remain at home.

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