HECM Reverse Mortgage
The FHA-insured standard reverse mortgage. Choose from a lump sum, monthly payments, a line of credit, or a combination. No monthly mortgage payments required for as long as you live in the home.
Orange County, CA
Reverse Mortgages for Orange County Homeowners
Orange County homeowners 55+ have built extraordinary equity in one of California's most desirable markets. David Simon helps you access it — with no monthly mortgage payments and no pressure.
Orange County's Home Equity Advantage
From Newport Beach and Irvine to Anaheim Hills and Mission Viejo, Orange County homeowners have watched their property values climb for decades. For residents 62 and older, that equity can be converted into tax-free funds through a reverse mortgage — without selling your home or making monthly mortgage payments.
David Simon is a licensed reverse mortgage specialist who has helped Orange County homeowners navigate their options with clarity and confidence. He takes the time to understand your financial picture before recommending any program.
Orange County's premium real estate values mean many homeowners qualify for loan amounts that can meaningfully improve retirement cash flow, cover healthcare costs, or fund home improvements — all while staying in the home they love.
Reverse Mortgage Programs Available in Orange County
HECM Line of Credit
A growing line of credit you draw from as needed — ideal for Orange County homeowners who want a financial safety net for healthcare, home maintenance, or lifestyle expenses.
Jumbo Reverse Mortgage
Orange County's luxury market often exceeds FHA loan limits. A jumbo reverse mortgage lets high-value homeowners access equity beyond those caps — with no FHA insurance required.
Reverse 55+ Program
California's Reverse 55+ program allows eligible homeowners as young as 55 to access home equity — making reverse mortgages available to a broader group of Orange County residents.
Personal Guidance from a Trusted Specialist
David Simon approaches every client the way he'd approach a conversation with a family member — honestly, patiently, and with your long-term interests in mind. He explains every program clearly so you can make a confident, informed decision.
With access to multiple lenders, David shops the market to find the best terms for your situation. There's never any pressure — if a reverse mortgage isn't the right fit, he'll tell you.
David Simon
Reverse Mortgage Specialist
What Orange County Homeowners Should Know
You keep ownership of your home
A reverse mortgage does not transfer title. You remain the homeowner and can stay in your home as long as you maintain it and keep up with property taxes and insurance.
No required monthly payments
Unlike a HELOC or second mortgage, a reverse mortgage has no required monthly principal or interest payments. The balance is repaid when you sell, move out, or pass away.
Independent HUD counseling required
Every HECM borrower must complete a session with a HUD-approved housing counselor before closing — an important consumer protection built into the program.
Your heirs are protected
The loan is non-recourse, meaning your heirs will never owe more than the home's value at the time of repayment. Any equity above the loan balance belongs to your estate.
Frequently Asked Questions — Orange County Reverse Mortgages
Talk through your options with David Simon
Orange County homeowners have built real wealth in one of California's most valuable markets. Let's explore how a reverse mortgage can help you enjoy that equity on your own terms.
Schedule Your Free ConsultationGet In Touch
Call Or Email Today For Your Free Loan Consultation
Reach out today for a no-obligation consultation. David will walk you through your options and help you determine the best path forward.
David Simon
Sr. Loan Officer & Reverse Mortgage Specialist
NMLS #1521694 | CABRE #02040832
Cell
(818) 232-1171
[email protected]
Office
Secured Capital Funding
17662 Irvine Blvd. Suite 6
Tustin, CA 92780
NMLS #1649122 | CABRE #01220151
"The highest compliment you can pay me is a referral to your family and friends."