Jumbo Reverse Mortgage California | Access Millions Tax-Free | No FHA Limits
By S.O.S. Loans
- Jumbo Reverse Mortgage
- Proprietary Reverse Mortgage
- High Net Worth Retirement
- Coastal Real Estate Finance
- Tax Free Equity Access
- Rolling Hills Estates
Liquidity for the Coastal Elite
Access up to $4,000,000 in tax-free home equity. No monthly payments.
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The Problem with Standard Reverse Mortgages
If you live in Newport Beach, Palos Verdes, or La Jolla, a standard government (HECM) reverse mortgage is likely insufficient. The 2025 federal lending limit caps out around $1.2 million. If your home is worth $3 million, you are leaving huge equity on the table.
The Solution: The Jumbo Proprietary Reverse Mortgage.
| Feature | Standard HECM | Jumbo Reverse (S.O.S.) |
|---|---|---|
| Max Property Value | ~$1,209,750 Cap | Up to $10,000,000 |
| Max Loan Amount | Limited by Cap | Up to $4,000,000 |
| Mortgage Insurance | Required (~2%) | $0.00 (None) |
| Minimum Age | 62 | 55+ (Select Programs) |
Strategic Wealth Management
Our high-net-worth clients use these funds to:
- Preserve Portfolios: Avoid selling stocks during a market downturn by drawing on home equity instead.
- Living Inheritance: Gift funds to children now to help them buy their own homes.
- Lifestyle Maintenance: Fund in-home care, travel, or second homes without monthly debt service.