Meet the Reverse Mortgage Loan Officers You Can Trust
At Citizens Lending Group, our staff brings a combined 50+ years in the California loan industry. Today we specialize as reverse mortgage loan officers for senior homeowners, but our experience spans the full range of lending — from commercial loans and traditional home loans to VA and FHA loans.
Our primary goal is consumer education. In every engagement, we take the extra steps to provide reliable reverse mortgage information and to answer the questions that matter most to each of our clients.
Gathering good information is one of the most important parts of the reverse mortgage process — but there’s another element that should never be missing: trust. Our clients give us some of the highest recommendations among California reverse mortgage loan officers, and our rating with the Consumer Business Alliance is AAA. We credit those reviews to an honest, caring, and dedicated team.
Three commitments we make to every client.
Education First
No homeowner should sign anything they don’t fully understand. Before any paperwork moves, every question gets answered — no matter how long that takes.
Family Welcome
Bring family to every consultation. Different perspectives lead to better decisions, and we’d rather everyone in the room feel confident — not just the person signing.
No Pressure, Ever
Our goal is not to sell you a reverse mortgage. It’s to give you the best possible information so you can make the right decision for your own financial future.
Built on One Idea: The Client’s Understanding Comes First.
Citizens Lending Group brings more than 50 years of combined California lending experience to every client conversation. Our team has worked across conventional, FHA, VA, commercial, and traditional home loans throughout the state — and we’ve focused that experience where we believe it matters most: reverse mortgages for seniors who deserve a specialist, not a generalist.
We’re based in Anaheim Hills, at the center of the Orange County community we’ve served throughout our careers. We know these neighborhoods, these home values, and the families who live here. That local knowledge shapes every consultation we have.
Our mission has never changed: not to sell reverse mortgage loans, but to provide the best possible education so every client can make the right decision for their own financial future. That approach has earned us a AAA rating with the Consumer Business Alliance — and the trust of the families we’ve worked with across Southern California.
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25 Years
Jeff Krolosky, a licensed real estate broker in Orange County.
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50+ Years
Combined California lending experience across the Citizens team, spanning conventional, FHA, VA, and commercial loans.
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Specialization
A focused practice on reverse mortgages for senior homeowners 62 and older.
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AAA Rated
Our rating with the Consumer Business Alliance is AAA.
Licensed, Rated, and Accountable.
Citizens Lending Group is licensed by the California Bureau of Real Estate (License #01814249) and registered under NMLS #1109984. Our AAA rating with the Consumer Business Alliance reflects years of consistent, client-first service across Orange County and Southern California.
These materials are not from HUD or FHA and were not approved by HUD or a government agency. Reverse mortgage is a loan. You must continue to pay property taxes, homeowners insurance, and HOA dues.
Meet Jeff Krolosky.
Jeff brings extensive experience to Citizens Lending Group. He has been a real estate broker in Orange County, California for 25 years, with a background as a reverse mortgage loan officer and experience facilitating all types of loans. His dedication to customers has helped Citizens Lending Group earn its AAA rating.
- NMLS #483675
- Cell: 714 343 2643
- Email: jkrolosky@clgmtg.com
