Your Home. Your Retirement. Your Decision.
If you’re 62 or older and looking to improve your quality of life in retirement, a reverse mortgage may be the answer you’ve been looking for. By turning part of your home’s equity into funds, you can eliminate your monthly mortgage payments, supplement your retirement income, and stay in the home you’ve built your life in — all on your terms.
For Homeowners 62+
Use your home equity to eliminate monthly mortgage payments, supplement your retirement income, or simply create more financial breathing room — while continuing to live in your own home.
Learn How It WorksFor Family Members
Helping a parent explore their options? You’re in the right place. We encourage family involvement in every consultation, because the best decisions get made when everyone who cares about the outcome is at the table.
Family ResourcesHECM for Purchase
Did you know you can use a reverse mortgage to buy a new home without taking on monthly mortgage payments? It’s one of the most underused options in senior real estate.
Learn About HECM for PurchaseWhat to expect when you reach out
A No-Pressure Conversation
Reach us at our Anaheim office or by phone. There’s no agenda except answering your questions — and family is always welcome.
Education First
We walk you through how a reverse mortgage works, what you may qualify for, and what the numbers could look like for your home. No commitment. No paperwork yet.
You Decide
If a reverse mortgage makes sense for your situation, we’ll explain the next steps. If it doesn’t, we’ll tell you that too.
Trust Is the Key to a Reverse Mortgage Loan
At Citizens Lending Group, we believe strongly in consumer education. A financial decision as significant as a reverse mortgage should be made only after you’ve had every important question answered. That’s why, when a homeowner meets with us, we always suggest having family members present — so different viewpoints can be considered and everyone can move forward with confidence.
25 Years in Orange County Real Estate. One Commitment: Your Understanding.
Jeff Krolosky has been a licensed real estate broker in Orange County for 25 years, working across every major loan type before focusing his practice on reverse mortgages for California seniors. His commitment hasn’t changed: no homeowner should sign anything they don’t fully understand, and no family member should feel left out of the conversation.
Jeff Krolosky · Reverse Mortgage Specialist · NMLS #483675 · Citizens Lending Group · NMLS #1109984
A Few Things to Consider
- Borrowers must be at least 62 years old. (As long as one spouse is 62 or older, the other may be younger and you can still qualify.)
- The U.S. Department of Housing and Urban Development (HUD) sets eligibility levels for HECM reverse mortgages.
- Most single-family homes qualify, as do properties with up to four units — the FHA sets the property standards.
- The property must be your primary residence — reverse mortgages are designed to keep homeowners in their homes.
- Most reverse mortgage fees and closing costs can be included in the loan total.
- The homeowner remains responsible for keeping property taxes, HOA fees, and insurance current, and for complying with all loan terms.
Understand Everything Before You Decide.
That’s not a tagline — it’s how we run every consultation. Start with the resources that matter most to you.
Reverse Mortgage Calculator
See what your home equity could mean for your retirement. Takes two minutes, no personal information required.
Try the CalculatorMyths & Facts
“The bank takes your home.” “Your heirs inherit the debt.” These are myths — and they stop too many people from exploring an option that could genuinely help them.
Read the FactsHECM for Purchase
You can use a reverse mortgage to buy a new home without monthly payments. Most people — including real estate agents — don’t know this exists.
Learn MoreSenior Safeguards
What to look for. What to watch out for. How to protect yourself when evaluating any reverse mortgage lender.
Read the SafeguardsBased in Anaheim Hills. Serving Orange County Homeowners.
Citizens Lending Group is located at 5557 E Santa Ana Canyon Road — right in the community we serve. Jeff knows the OC real estate market because he’s spent his career in it.
We work with homeowners across Orange County — Anaheim, Yorba Linda, Fullerton, Brea, Orange, Placentia, and beyond. If you own a home here, we’d be glad to talk.
Your First Conversation Is Free. And It’s Just a Conversation.
No commitment. No paperwork. No sales pitch. Just straight answers at whatever pace feels right for you and your family.
In-person at our Anaheim Hills office · Phone
