OneTrust Home Loans Reverse Mortgage Division

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San Diego, CA
OneTrust Home Loans Reverse Mortgage Division

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Helping 55 and older Homeowners with Home Equity Solutions to achieve their financial goals.

10/13/2026

Let’s go back to the basics. What exactly is a reverse mortgage?

A reverse mortgage is a type of home loan that allows eligible homeowners to access a portion of their home equity while continuing to own and live in the home. The most common type is the Home Equity Conversion Mortgage, or HECM, which is insured by the Federal Housing Administration.

For HECMs, homeowners generally must be age 62 or older. Unlike a traditional mortgage, borrowers do not make required monthly principal and interest payments while they continue to meet the terms of the loan. The loan balance generally becomes due when the borrower sells the home, no longer occupies it as a principal residence, or another applicable maturity event occurs.

A reverse mortgage may not be the right fit for everyone. Understanding how it works, what it costs, and how it may affect longer-term financial and housing plans is an important first step.

10/06/2026

A reverse mortgage can offer financial flexibility for some homeowners, but deciding whether it is the right fit starts with asking the right questions.

How long is the home expected to remain the primary residence? What financial goals are most important during retirement? How might available home equity support those goals? What responsibilities continue throughout the life of the loan? And how could the decision affect longer term plans for the home?

These conversations can help homeowners look beyond the basic features of the loan and understand how a reverse mortgage may fit into their broader financial picture.

Every client has different priorities, resources, and retirement goals. That is why we take the time to walk through the options, answer questions, and help homeowners determine a strategy that makes sense for their individual situation.

09/22/2026

One question we often get asked is, "Can you refinance a reverse mortgage?"

The answer is yes, in some situations, an existing reverse mortgage may be refinanced into a new reverse mortgage.

Homeowners may explore refinancing for different reasons, such as changes in their home's value, interest rates, available loan options, or financial goals. However, refinancing means taking out a new loan, so there may be new closing costs, fees, and eligibility requirements to consider.

Every homeowner's situation is different. Our team is always happy to review the available options, answer questions, and help determine whether refinancing an existing reverse mortgage may align with your goals.

09/15/2026

Selling a home with a reverse mortgage is possible, and understanding what happens to the loan can make the process feel much clearer.

When the home is sold, the reverse mortgage balance generally becomes due and is repaid from the proceeds of the sale. Any remaining equity after the loan and applicable selling costs are satisfied belongs to the homeowner or their estate.

For some homeowners, selling may be part of downsizing, relocating closer to family, or simply choosing a home that better fits retirement needs. Knowing how a reverse mortgage works when plans change can help homeowners make informed decisions with greater confidence.

Borrowers remain responsible for property taxes, insurance, and upkeep while the reverse mortgage is in place. Every situation is different, so taking time to review the loan and available options can help determine the right next step.

09/08/2026

One common misconception we hear is that you can't get a reverse mortgage if you still have a mortgage on your home. That's not necessarily the case.

For eligible homeowners age 62 and older, proceeds from a reverse mortgage may be used to pay off an existing mortgage as part of the transaction. Any remaining available proceeds may then be accessed according to the loan terms and selected payment option.

Whether this is possible depends on factors such as the amount currently owed, available home equity, the home's value, borrower eligibility, and the specific reverse mortgage program.

Every homeowner's situation is different, which is why we take the time to review the options, answer questions, and help determine whether a reverse mortgage may fit into your broader retirement goals.

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.

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.

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.

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.

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.

Address

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

Telephone

+18559953323

Website

https://onetrusthomeloans.com/reverse-mortgages-to-fit-your-lifestyle/

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