San Francisco, CA
San Francisco homeowners 55+ have built some of the most valuable real estate equity in the world. David Simon helps you access it — with no monthly mortgage payments and guidance you can trust.
San Francisco consistently ranks among the most expensive real estate markets in the world. For homeowners 62 and older who have owned property in the city for years — or even decades — that equity represents a remarkable financial resource that can be accessed through a reverse mortgage without selling your home.
David Simon is a licensed reverse mortgage specialist who works with Bay Area homeowners to evaluate their options honestly and without pressure. He has experience with both standard HECM programs and the jumbo reverse mortgage products that are often the right fit for San Francisco's high-value properties.
Whether you own a Victorian in the Sunset, a condo in SOMA, or a home in the Outer Richmond, David can help you understand what's possible and whether a reverse mortgage aligns with your retirement goals.
San Francisco's property values routinely exceed FHA loan limits. A jumbo reverse mortgage lets homeowners access equity on properties valued at $1.5M, $2M, or more — with no FHA insurance required and no monthly mortgage payments.
The FHA-insured standard reverse mortgage. Receive funds as a lump sum, monthly payments, a line of credit, or a combination. Best suited for properties within FHA loan limits.
A growing line of credit you draw from as needed — ideal for San Francisco homeowners who want financial flexibility without committing to a lump sum.
California's Reverse 55+ program allows eligible homeowners as young as 55 to access home equity — a valuable option for San Francisco residents who want earlier access to their substantial property equity.
San Francisco's real estate market is unlike anywhere else in the country — and so are the reverse mortgage opportunities it creates. David Simon has the experience to navigate high-value properties, condo eligibility requirements, and jumbo program comparisons on your behalf.
His approach is always client-first: understand your goals, explain your options in plain language, and only recommend a program if it genuinely serves your long-term financial well-being.
David Simon
Reverse Mortgage Specialist
A reverse mortgage does not transfer ownership. You keep the title to your home and can stay as long as you maintain the property and pay property taxes and insurance.
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.
San Francisco has a large condo market. HECM loans require FHA project approval, while jumbo programs have different criteria. David can quickly verify whether your building qualifies.
Proprietary jumbo reverse mortgages are not FHA-insured and have different rates, fees, and terms than HECM loans. David will walk you through a side-by-side comparison for your specific property.
San Francisco homeowners have built extraordinary wealth in one of the world's most valuable real estate markets. Let's talk about how a reverse mortgage can help you access it on your own terms.
Schedule Your Free ConsultationGet In Touch
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."