Jumbo Reverse Mortgage California | Access Millions Tax-Free | No FHA Limits
- Jumbo Reverse Mortgage
- Proprietary Reverse Mortgage
- High Net Worth Retirement
- Coastal Real Estate Finance
- Tax Free Equity Access
- Rolling Hills Estates
Liquidity for the Coastal Elite
Access up to $4,000,000 in tax-free home equity. No monthly payments.
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The Problem with Standard Reverse Mortgages
If you live in Newport Beach, Palos Verdes, or La Jolla, a standard government (HECM) reverse mortgage is likely insufficient. The 2025 federal lending limit caps out around $1.2 million. If your home is worth $3 million, you are leaving huge equity on the table.
The Solution: The Jumbo Proprietary Reverse Mortgage.
Feature | Standard HECM | Jumbo Reverse (S.O.S.) |
|---|---|---|
Max Property Value | ~$1,209,750 Cap | Up to $10,000,000 |
Max Loan Amount | Limited by Cap | Up to $4,000,000 |
Mortgage Insurance | Required (~2%) | $0.00 (None) |
Minimum Age | 62 | 55+ (Select Programs) |
Strategic Wealth Management
Our high-net-worth clients use these funds to:
Preserve Portfolios: Avoid selling stocks during a market downturn by drawing on home equity instead.
Living Inheritance: Gift funds to children now to help them buy their own homes.
Lifestyle Maintenance: Fund in-home care, travel, or second homes without monthly debt service.
Written by Frank Stiebel
Senior Equity Strategist & High-Value Lending Expert
Frank Stiebel has spent two decades navigating the complexities of California’s luxury real estate market. Specializing in high-limit equity solutions, Frank provides the strategic guidance needed to structure Jumbo Reverse Mortgages for sophisticated homeowners, ensuring liquidity and estate preservation in California’s most exclusive enclaves.