HECM Reverse Mortgage
The FHA-insured standard reverse mortgage — the most widely used program in the country. Receive funds as a lump sum, monthly payments, a line of credit, or a combination, with no monthly mortgage payments required.
San Bernardino, CA
Reverse Mortgages for San Bernardino Homeowners
San Bernardino homeowners 55+ have built meaningful equity in the heart of the Inland Empire. David Simon helps you access it — with no monthly mortgage payments and honest, personal guidance.
San Bernardino's Home Equity Opportunity
San Bernardino — the county seat of San Bernardino County and a central hub of the Inland Empire — has seen significant home appreciation over the past decade. For homeowners 62 and older who purchased years ago, that growth translates into meaningful equity that can be converted into tax-free funds through a reverse mortgage, without selling or making monthly payments.
David Simon is a licensed reverse mortgage specialist who works with Inland Empire homeowners to evaluate their options clearly and without pressure. Whether your home is in San Bernardino, Highland, Loma Linda, or Redlands, David helps you understand exactly what's available to you.
San Bernardino County's home values are generally well-suited to the standard HECM program, which offers flexible payout options and FHA insurance protection. David works with multiple lenders to ensure you get the most competitive terms available for your home and goals.
Reverse Mortgage Programs Available in San Bernardino
Jumbo Reverse Mortgage
For San Bernardino County homes valued above the FHA lending limit — including higher-value properties in Redlands, Loma Linda, and newer developments — proprietary jumbo programs may unlock additional equity.
HECM Line of Credit
A flexible credit line that grows over time, giving San Bernardino homeowners a financial cushion for healthcare costs, home improvements, or supplemental retirement income whenever it's needed.
Reverse 55+ Program
California's Reverse 55+ program allows eligible homeowners as young as 55 to access home equity — a valuable option for San Bernardino residents who want earlier access to their equity.
Honest Guidance for Inland Empire Homeowners
David Simon has spent over 40 years in the financial industry — the last nearly 10 helping people understand and obtain the best mortgage for their particular circumstances. He explains every program in plain language and answers every question thoroughly. He never pushes clients to move forward — once he has educated them and laid out all their options, they make the decision to move forward or not.
Because David works with multiple lenders, he can compare options across the full market to find the best fit for your San Bernardino home — whether you're looking to eliminate a mortgage payment, supplement retirement income, or establish a financial safety net.
David Simon
Reverse Mortgage Specialist
What San Bernardino Homeowners Should Know
You remain the homeowner
A reverse mortgage does not transfer ownership. You keep the title and can stay in your home as long as you maintain it and pay property taxes and insurance.
No monthly mortgage payments required
The loan balance grows over time and is repaid when you sell, move out, or pass away. There are no required monthly principal or interest payments during the life of the loan.
HUD counseling is required
Before closing on a HECM, you'll complete a brief session with an independent HUD-approved housing counselor — a consumer protection that ensures you fully understand the program.
Non-recourse protection
Your heirs will never owe more than the home's value at repayment. If the loan balance exceeds the home's value, FHA insurance covers the difference — not your family.
Frequently Asked Questions — San Bernardino Reverse Mortgages
Talk through your options with David Simon
San Bernardino homeowners have built real equity in the Inland Empire. Let's talk about how a reverse mortgage can help you put that equity to work — on your terms, at your pace.
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."