What is the minimum age for a reverse mortgage in Marin County, California?

To qualify for a reverse mortgage in Marin County, you must be at least 62 years old. The home must be your primary residence, you must have significant equity, and you must keep up with property taxes, homeowner's insurance, and maintenance. For jumbo reverse mortgages, some programs allow qualifying starting at age 55.

How much can I borrow with a reverse mortgage in Marin County?

In Marin County, where home values often reach $1.5M+, the 2026 HECM lending limit is $1,209,750. For higher-value homes, jumbo reverse mortgages can access up to $4–$6M of equity. The exact amount depends on your age, home value, and current interest rates. Older borrowers with more equity receive higher loan proceeds.

Can I get a reverse mortgage if I still have a mortgage in Marin County?

Yes. A reverse mortgage in Marin County can pay off your existing mortgage as part of the loan proceeds. This eliminates your monthly mortgage payment entirely — a major benefit for retirees on fixed income. You must have sufficient equity to cover the payoff and still qualify for the reverse mortgage program.

What are the upfront costs of a reverse mortgage in Marin County?

HECM reverse mortgage costs in Marin County typically include an FHA upfront MIP (2% of home value, up to $1,209,750), origination fees (capped at $6,000), a $125 HUD-approved counseling session, appraisal ($500–$800), and standard closing costs. Most costs are financed into the loan — no out-of-pocket payment required. Jumbo reverse mortgages have no FHA MIP and may offer lower overall costs for high-value Marin County homes.

How do I choose a reverse mortgage lender in Marin County, California?

Look for a lender licensed in California (CA DRE and NMLS) with access to both HECM and jumbo reverse mortgage programs. DiVita Home Finance (NMLS #323700, CA DRE #01818285) shops 40+ lenders to find the best rates and terms for Marin County homeowners. Always compare multiple lenders and complete the required HUD counseling before signing.

Reverse Mortgage Marin County CA | HECM & Jumbo

Reverse Mortgage for Marin County Homeowners

If you’re 62 or older and own a home in Marin County, a reverse mortgage could be one of the most powerful retirement tools available to you. DiVita Home Finance helps Marin County seniors access their home equity through HECM and jumbo reverse mortgage programs — with no monthly mortgage payments required and no obligation to sell.

Marin County Home Values & Reverse Mortgage Opportunity

The median home value in Marin County is approximately $1.5 million. With median home values exceeding $1.5 million, most Marin County homeowners qualify for significantly more proceeds than the national average — and many benefit from a jumbo reverse mortgage rather than (or in addition to) the standard HECM program.

Reverse Mortgage Options for Marin County

HECM Reverse Mortgage — FHA-insured, for homes up to $1,209,750 in value. Lowest cost structure and maximum consumer protections.
Jumbo Reverse Mortgage — Private programs for high-value homes. Allows significantly more proceeds for Marin County properties above the HECM cap.
HECM for Purchase — Buy a new home in Marin County or elsewhere in California without monthly mortgage payments.

Who Qualifies in Marin County?

Homeowner age 62 or older (some jumbo programs start at 55)
Primary residence in Marin County or surrounding areas including San Rafael, Mill Valley, Novato, Tiburon, Sausalito, Fairfax, Corte Madera, Larkspur, San Anselmo, and Belvedere
Sufficient equity — typically 50%+ of home value
Current on property taxes and homeowner’s insurance

How Much Can Marin County Homeowners Receive?

Your available proceeds depend on your age, current interest rates, and your home’s value. Older borrowers and higher home values yield more proceeds. Call us for a no-obligation calculation specific to your Marin County property and situation.

Why DiVita Home Finance for Your Marin County Reverse Mortgage?

Wholesale access: We work with 40+ lenders — not just one program
HECM and jumbo expertise: We compare both to find what’s best for your home value
California specialists since 2007: We understand high-value California real estate
No pressure, no obligation: We educate first, then let you decide

Reverse Mortgage FAQ — Marin County

Do I still own my home?

Yes. You retain title throughout the life of the loan.

What if my home is worth more than the HECM limit?

A jumbo reverse mortgage lets you access equity above the $1,209,750 HECM cap — important for many Marin County homeowners.

Can I use a reverse mortgage to buy a new home?

Yes — the HECM for Purchase lets seniors buy a new home with no monthly mortgage payments.

Free Reverse Mortgage Consultation — Marin County

We’ll calculate your estimated proceeds and compare HECM vs. jumbo options at no charge.

📞 800-239-1103 Get My Estimate

DiVita Home Finance | NMLS #323700 | CA DRE #01818285

About DiVita Home Finance

DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.

We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.

📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124

Reverse Mortgage Marin County CA | HECM & Jumbo | DiVita Home Finance