OneTrust Home Loans Reverse Mortgage Division

OneTrust Home Loans Reverse Mortgage Division Helping 55 and older Homeowners with Home Equity Solutions to achieve their financial goals.

For a Reverse Mortgage, independent counseling is an important part of the process. The counseling session is designed t...
09/01/2026

For a Reverse Mortgage, independent counseling is an important part of the process. The counseling session is designed to help homeowners understand how a reverse mortgage works, including loan costs, repayment, homeowner responsibilities, available alternatives, and how the loan may affect long term financial plans.

The goal is education. It gives homeowners an opportunity to ask questions and better understand the program before moving forward with an application.
Reverse mortgages can work differently depending on individual goals and circumstances, which is why education is such an important part of the process.

Our team also takes the time to answer questions, review available options, and help each client determine whether a reverse mortgage may align with their retirement goals.

Learning about reverse mortgages is often the first step. From there, the process typically includes reviewing eligibili...
08/25/2026

Learning about reverse mortgages is often the first step. From there, the process typically includes reviewing eligibility, discussing financial goals, completing required counseling, obtaining a home appraisal, and working through the loan application before closing.

Every homeowner's situation is different, which is why taking time to understand each step can help make the process feel more comfortable and informed.

Borrowers remain responsible for property taxes, insurance, and upkeep.

We're happy to answer questions, explain how the process works, and help determine whether a reverse mortgage aligns with your retirement goals.

Many homeowners 62+ use home equity to make home improvements that enhance safety and comfort—like updating bathrooms, a...
08/18/2026

Many homeowners 62+ use home equity to make home improvements that enhance safety and comfort—like updating bathrooms, adding ramps, or lowering countertops. Reverse mortgage proceeds may be used to help fund these updates, allowing you to age in place and enjoy the home you love longer.

One of the most common misconceptions about reverse mortgages is that the lender takes ownership of the home. In reality...
08/11/2026

One of the most common misconceptions about reverse mortgages is that the lender takes ownership of the home. In reality, borrowers retain ownership of their home throughout the life of the loan, provided they continue to meet the loan obligations, including maintaining the home as their primary residence and staying current on property taxes and homeowners insurance.

Understanding the facts behind common myths can help homeowners make informed decisions about whether a reverse mortgage may fit into their retirement plans.

Retirement today looks different for everyone. A reverse mortgage may help eligible homeowners 62 and older access a por...
08/04/2026

Retirement today looks different for everyone. A reverse mortgage may help eligible homeowners 62 and older access a portion of their home’s equity to support goals like travel, medical expenses, or supplementing monthly income — all while continuing to live in their home. It’s not about borrowing more; it’s about using what you’ve built to create flexibility for the future.

Borrowers remain responsible for property taxes, insurance, and upkeep.

Financial advisors—home equity is often an overlooked asset in retirement planning. A reverse mortgage may allow clients...
07/28/2026

Financial advisors—home equity is often an overlooked asset in retirement planning. A reverse mortgage may allow clients to access this equity without creating a taxable event, giving them the ability to reduce portfolio withdrawals during market downturns and extend retirement resources. Used strategically, it may support flexibility in managing market risks and preserving long-term plans. Let’s talk about integrating home equity into your wealth management strategies.

One of the most common questions about reverse mortgages is: "Do I still own my home?"In most cases, the answer is yes.W...
07/21/2026

One of the most common questions about reverse mortgages is: "Do I still own my home?"

In most cases, the answer is yes.
With a reverse mortgage, the borrower typically retains ownership of the home and continues to hold title, provided they meet loan obligations such as paying property taxes, homeowners insurance, and maintaining the property as their primary residence.

Because reverse mortgages work differently than traditional loans, understanding how ownership, repayment, and eligibility work can help homeowners make informed decisions.

For some homeowners age 62 and older, home equity may become part of a broader retirement strategy. A reverse mortgage m...
07/14/2026

For some homeowners age 62 and older, home equity may become part of a broader retirement strategy. A reverse mortgage may provide access to a portion of that equity while allowing borrowers to continue living in the home. Depending on individual goals, funds may be used to supplement retirement income, create additional financial flexibility, or support long term planning needs. Borrowers remain responsible for property taxes, insurance, and upkeep.

Retirement planning looks different for everyone.For some, retirement income may come from savings, investments, pension...
07/07/2026

Retirement planning looks different for everyone.
For some, retirement income may come from savings, investments, pensions, or Social Security. For others, home equity may also become part of the conversation when evaluating long-term financial goals.
Many homeowners spend years building equity in their homes but may not realize that equity can be accessed as part of a broader retirement strategy.
For homeowners age 62 and older, a reverse mortgage may provide a way to access a portion of their home equity while continuing to live in the home. Depending on individual circumstances, funds may be received as a lump sum, line of credit, monthly payments, or a combination of options.
While a reverse mortgage isn't the right solution for everyone, it's a financial tool that many homeowners haven't fully explored. Understanding how the program works, eligibility requirements, and long-term responsibilities can help determine whether it may align with broader retirement goals.

For many homeowners, a home represents more than just where memories are made. Over time, it may also become one of the ...
06/30/2026

For many homeowners, a home represents more than just where memories are made. Over time, it may also become one of the largest financial assets built throughout retirement planning years. A reverse mortgage is one option some homeowners explore to access a portion of that home equity while continuing to live in the home. Understanding how the program works can help determine whether it aligns with long term financial goals and lifestyle needs. Borrowers remain responsible for property taxes, insurance, and upkeep.

Address

3838 Camino Del Rio N. Suite 305
San Diego, CA
92108

Telephone

+18559953323

Website

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