Frank Stiebel
President & Broker
Your Partner in Retirement Security
"I believe that your home equity is more than just money—it represents years of hard work, family memories, and your future security. My job isn't to sell you a loan; it's to help you protect that legacy."
Hello, I’m Frank Stiebel. As the founder of S.O.S. Loans, I have spent decades in the mortgage industry helping California homeowners navigate complex financial landscapes. But my passion has truly settled on helping seniors achieve financial independence.
Too often, I meet retirees who are "house rich but cash poor." They struggle with monthly bills or fear outliving their savings, all while sitting on a significant asset—their home. I founded our Reverse Mortgage division to change that narrative.
Why I'm Different from the Big Call Centers
When you call a 1-800 number from a TV commercial, you are often just a lead in a national database. When you work with S.O.S. Loans, you work with me. While our office is based in Torrance, we serve families across the entire state—from San Diego to Sacramento.
Whether you are down the street or hundreds of miles away, technology allows us to sit "across the table" virtually. You get the personal care of a local neighbor with the reach of a statewide expert.
- Education First: I will spend hours explaining the pros AND cons. If a reverse mortgage isn't right for you, I will tell you.
- Broker Advantage: I shop multiple lenders (like Smartfi, Longbridge, and FAR) to find the lowest rates and highest proceeds for your specific situation.
- Family Included: I encourage you to bring your adult children or financial advisors into the conversation. Transparency is key.