Keep the Home.
Fund the Settlement.
Unlock up to $4 Million in liquid equity using a Proprietary Jumbo Reverse Mortgage. Complete a 50/50 divorce split or trust buyout—without monthly mortgage payments.
Frank Stiebel
Senior CA Jumbo Advisor
Confidential Buyout Consultation
Find the highest cash-out limits for your property.
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Frank Stiebel will review your property details and contact you confidentially within 24 hours.
Navigating High-Asset Property Splits in California
Dividing a multi-million-dollar property during a divorce or settling a family estate often brings negotiations to a painful standstill. Forcing a sale isn't always desirable, but taking on a massive new traditional mortgage to buy out a spouse or sibling on a fixed retirement income is a recipe for financial disaster.
While traditional FHA reverse mortgages are widely known, their strict federal lending limits (capped at $1,249,125) fall drastically short for high-value California homes.
The Solution: Maximize Your Cash-Out
At S.O.S. Loans, we are authorized brokers for the nation's top proprietary jumbo lenders. We shop the market to guarantee you receive the highest possible cash-out limits—up to $4 million—tailored specifically to fund your buyout without a monthly mortgage payment.
Top-Tier Jumbo Programs
Why Jumbo is the Premier Choice
Lower Age Requirement
Available to homeowners as young as 55. This is a massive advantage for "gray divorces" happening slightly earlier in life compared to traditional 62+ HECMs.
Avoid Triggering Capital Gains
Forcing the sale of highly appreciated CA real estate triggers massive tax penalties. Jumbo reverse mortgage funds are classified as loan proceeds, meaning the cash used for the buyout is 100% tax-free.*
No FHA Mortgage Insurance
Because this is a proprietary private loan, there are no expensive FHA upfront or annual mortgage insurance premiums, saving you tens of thousands of dollars at the closing table.
Keep Your Low 1st Rate
With a Second Lien Reverse Mortgage, you can keep your ultra-low 3% primary mortgage intact while pulling out tax-free cash in a 2nd position to fund the buyout.
*S.O.S. Loans is a mortgage broker, not a tax advisor. Please consult with a licensed CPA or tax attorney regarding capital gains, basis step-ups, and your specific tax situation.
How We Structure the Buyout
The Gray Divorce
In a later-in-life divorce, the staying spouse (aged 55+) takes out a Jumbo Reverse loan solely in their name based on the property's appraised value. The massive lump-sum cash proceeds are used to pay the departing spouse their rightful 50% share of the equity, instantly satisfying the divorce decree.
Result: The staying spouse retains sole ownership of the luxury home and lives there without a required monthly mortgage payment.
Sibling Trust Estate
When siblings inherit a multi-million-dollar estate in a trust, pulling cash out of pocket to buy out the others is rarely feasible. We work with your estate attorney to structure the title. The sibling retaining the home originates the loan, and the proceeds are distributed to the other heirs as a tax-free cash lump sum.
Result: The siblings are fully paid off, and the remaining heir lives in the family legacy home payment-free.
Expertise You Can Trust
Structuring a multi-million-dollar buyout requires absolute precision. We shop the market and coordinate seamlessly with your divorce attorneys, estate planners, and title companies to ensure a clean, fully funded settlement. Don't let a lack of liquidity force the sale of your most valuable asset.