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Reverse Mortgage Lender

Gary Mickey, CRMP

Certified Reverse Mortgage Professional

NMLS #239423 CA DRE#01352146

(951) 551-4079
C2 Financial Corp, Reverse Mortgage Division NMLS#: 135622 CA DRE #01821025

Everyone you know...knows someone who will benefit with a reverse mortgage.

Use Your Home To Stay At Home. You will hear that phrase a lot during the course of your reverse mortgage learning experience.  

The National Council on Aging, NCOA, publishes a booklet for Seniors with that title and it is a must read.  Aging in place is the primary underlying reason that Reverse mortgages were created and are becoming more and more popular.  

My name is Gary Mickey and I am a C2 Financial Corporation Certified Reverse Mortgage Professional.  If you are thinking about a reverse mortgage but you prefer not to call an “800” number and talk to a salesperson.  You are on the right track. I am local and will meet with you and your family and trusted advisors in person to help you determine if a Reverse Mortgage will be a benefit to you and your family.  Learn more here:  Why Should I Consider a Reverse Mortgage? - Gary Mickey, CRMP (

“Gary is one of 158 individuals with the Certified Reverse Mortgage Professional designation. As a CRMP, he has demonstrated knowledge and competency in reverse mortgage lending and is dedicated to upholding high standards of ethical and professional practice in the industry," said Steve Irwin, President of the National Reverse Mortgage Lenders Association.

The Q&A section and the Learning Center on this website can answer many of your questions.  My wife and I purchased our new home a few years ago with a reverse mortgage so I know, first hand, the advantages of a Reverse Mortgage. That is the C2 Local advantage.  Gary services the Inland Empire from his office in Menifee, Ca.  Main office address:12230 El Camino Real, Suite #100,SD,CA, 92130.

How Much Money Do You Get?

The available loan amount depends on the youngest borrowers age, the expected interest rate and the value of the home. Each individual client will be different, however, I believe that an industry average would be near 50%-55% of the value of the home.

Who can qualify for a reverse mortgage?

Borrowers must be 62 or older to utilize a HECM reverse mortgage and 60 or older on some proprietary reverse mortgages.

How Much Equity Do I Need?

That varies with the individual situation and current market conditions. Reverse mortgages were created to be a sustainable solution for retiring individuals so the loan to value percentages is typically less than a forward mortgage.

Can I pay off my reverse mortgage early? If so, how do I do that?

Simply call the servicing phone number on your monthly statement and request payoff instructions.

What happens to my reverse mortgage when I die?

If you have a surviving spouse and co-borrower they can continue to live in the home for as long as they maintain the original contractual conditions of paying the property taxes and HOI on time and maintaining the property in good condition. If you were the last surviving borrower then the loan becomes due and payable. Your heirs have several choices they can make regarding the disposition of the property.