Our Story
Built on Trust.
Rooted in California.
We started Reverse Option Mortgage because California retirees deserve a lender who puts their interests first — not commissions, not quotas.
Our Mission
Helping California Retirees Live with Financial Confidence
Too many California homeowners reach retirement with significant equity locked in their homes but not enough monthly income to live comfortably. A reverse mortgage can change that — but only when it is explained honestly and structured correctly.
Our mission is simple: provide every client with the information, time, and guidance they need to make the right decision for their family — whether that decision is a reverse mortgage or not.
25+
Years of Experience
500+
California Families Helped
100%
No-Pressure Guarantee
$0
Obligation to Proceed
Meet the Team
Licensed California Specialists
Michael J. Cooper
CEO / President
With over 25 years in the mortgage industry, I wanted to be a resource for retirees to find the best option to unlock the equity in their home. Too often I see my clients not be able to live the best life because they are restricted financially. Yet, those same clients have enough equity tied up in their home to significantly improve their lifestyle, and do those things that — without accessing their home's equity — they would not be able to take advantage of. This is why I started Reverse Option Mortgage. To give my clients the lifestyle options they deserve.
What We Stand For
Our Core Values
Transparency First
We walk you through every fee, term, and obligation before you sign anything. No surprises, no fine print hidden in the back.
Your Pace, Your Decision
We never pressure you to move faster than you are comfortable with. This is one of the biggest financial decisions of your life — take the time you need.
Family Welcome
We encourage you to include adult children or trusted advisors in your consultations. The more informed everyone is, the better the outcome.
California Licensed & Regulated
We are fully licensed by the California Department of Real Estate and registered with the Nationwide Multistate Licensing System.
Licensed & Accredited
Our Credentials
California DFPI Licensed
State-regulated mortgage lender
HUD-Approved
FHA HECM program participant
NRMLA Member
National Reverse Mortgage Lenders Association
Equal Housing Lender
Fair lending practices
500+ California Families
Served across the state
A+ Rated
Better Business Bureau
CA DRE License #02443787 | NMLS #2852331 | 
Equal Housing Lender | NMLS Consumer Access
Ready to Talk?
Schedule a free, no-obligation consultation with a California-licensed specialist. We are here to answer your questions — on your timeline.