Reverse Mortgage Planning · Orange County

Your home equity. On your terms.

Specialized reverse mortgage planning for homeowners 62 and over. Honest guidance, transparent options, and a strategy built around your life — not a quota.

20+Years in lending
2,500+Loans closed
10,000+Credit reports reviewed
Dana PointLocal, family-run
Jason Lyon, Reverse Mortgage Specialist at Lyon House Reverse in Dana PointJason Lyon, Reverse Mortgage Specialist at Lyon House Reverse in Dana PointJason Lyon, Reverse Mortgage Specialist at Lyon House Reverse in Dana Point
JL
Jason Lyon · NMLS #364748HECM Specialist · Dana Point, CA
⏱ 15-second check

Could a reverse mortgage work for you?

Three questions. No email. Honest answer.

Are you 62 or older?
Do you own your home, or have substantial equity?
Is the home in California?

You look eligible.

Based on your answers, you fit the basic criteria for a HECM or HomeSafe reverse mortgage. The next step is running real numbers on your specific situation — takes about 60 seconds.

Run the calculator →

You may still be eligible — let's run the numbers.

If you have enough equity, a reverse mortgage can pay off your existing mortgage at closing and eliminate your monthly payment. The calculator below shows the math for your specific home value.

Run the calculator →

Reverse mortgages start at age 62.

For HomeSafe jumbo (uncapped, higher-value homes), eligibility starts at 55 in California. If you're close to 62, the Education Hub has guidance on how to plan ahead.

Browse the Education Hub →

You'd need more equity to qualify.

Reverse mortgages require enough equity to pay off any existing mortgage and provide proceeds. The Education Hub has information on alternatives if a reverse isn't right for now.

See alternatives →

We're licensed in California only.

Lyon House Reverse serves California homeowners. If you're considering a reverse mortgage in another state, NRMLA can help you find a local lender.

Find a lender at NRMLA →
Reverse Mortgage Estimate

See how much equity you could access — in 30 seconds.

Enter your age, your home's estimated value, and any remaining mortgage balance. We'll show a working estimate of the proceeds a HECM or HomeSafe could put within reach. No login. No commitment. Get a detailed quote by email if it looks like a fit.

Estimate only — not a commitment to lend. Actual proceeds depend on age of youngest borrower, home appraisal, current expected interest rate, and applicable HUD or HomeSafe principal limit factors. Equal Housing Lender.

QUICK ESTIMATE
Age of youngest borrower
HomeSafe accepts 55+; HECM requires 62+.
72
Estimated home value
$1,200,000
Remaining mortgage balance
Existing mortgage gets paid off at closing. Enter 0 if owned free and clear.
$180,000
ESTIMATED PROCEEDS AVAILABLE
$418,000
HECM · range $385,000 – $451,000
Want the detailed estimate? Jason will email a personalized scenario within 24 hours.
What changes

Three things a reverse mortgage can do for the next chapter.

Most retirees we work with come in with one of these in mind. Often the right structure addresses all three at once.

i.

Tap your home equity, tax-free.

Proceeds from a HECM are not considered taxable income. Use them for living expenses, healthcare, family support, or to keep more of your retirement portfolio invested.

How proceeds work →
ii.

Stay in your home, for life.

You retain title. You stay in your home as long as it's your primary residence, you keep up with taxes and insurance, and maintain the property. No “the bank takes the house” surprises.

Common myths, addressed →
iii.

Eliminate your monthly mortgage payment.

If you still carry a forward mortgage, a reverse can pay it off at closing — freeing up the monthly cash flow most retirees say matters more than the lump sum.

Reverse vs. HELOC →
The Lyon House standard

Built on the trust my grandfather earned, one customer at a time.

My approach to lending was shaped by my grandfather, who owned a small-town car dealership where everyone knew his name. People didn't just buy cars from him — they bought from someone they believed in.

“It's never about the commission. It's about the connection — and the right outcome for the family across the table.”

That's the foundation I've built a career on. Two decades. Thousands of loans. A mindset I call the Situational Mortgage — real strategies for real-life scenarios, not cookie-cutter products. If another lender or partner is the better fit for your situation, I'll tell you.

Read Jason's full story →
How it works

From first call to funded — clear, transparent, on your timeline.

Reverse mortgages have a few extra steps that protect you. We walk through every one so nothing about the process is a surprise.

01

Free 30-minute consultation

We talk about your home, your goals, your retirement picture, and whether a reverse mortgage actually fits — or if a different path makes more sense. If it's not the right move, you'll know on this call.

Day 1No commitment
02

HUD-required counseling

Every HECM borrower meets with an independent HUD-approved counselor. It's there for your protection — and we coordinate the appointment and prep you for the conversation.

Week 1Independent counselor
03

Application and appraisal

We submit the application and order an FHA-compliant appraisal of your home. You sign electronically — no driving to an office, no faxing.

Weeks 2–4Mostly hands-off for you
04

Closing and funding

We close at your home or a title office of your choosing. Proceeds are typically available 3 business days after closing, after the federal right-of-rescission period.

Day 30–45Funded
Real stories

Homeowners who've worked with Jason.

Every story is different. The common thread is what's possible once equity becomes part of the plan.

“Jason walked us through every page, twice. We still own the house. We sleep better.”
MP
Mary & Tom ParkerRetired teachers · Laguna Niguel, CA
“We had the equity. We didn't have a way to share it with our son without selling. Jason found one.”
CM
Carlos & Elena MartinezDana Point, CA
“I didn't realize how much had changed since my first reverse. The new product was simply better for my situation.”
M
Margaret, age 79Dana Point, CA
Learn before you decide

Plainspoken answers to the questions most people don't ask out loud.

Reverse mortgages have decades of baggage. We address it head-on, in language that respects your time and intelligence.

Can the bank take my home?

The short answer is no. The longer answer explains what's actually true about title, repayment, and what happens to your heirs.

Reverse mortgage vs. HELOC

Different tools, different jobs. A side-by-side comparison for Orange County homeowners weighing both.

What does a reverse mortgage actually cost?

Origination, mortgage insurance, closing costs, servicing — explained in plain numbers using a real Orange County example.

Let's talk

Two ways to start the conversation.

Most clients book a 30-minute call first. Some prefer to talk directly. Either is fine — both lead to the same honest read on your situation.

CALL DIRECTLY
(949) 241-3900
OFFICE
34179 Golden Lantern #103
Dana Point, CA 92629

Book a 30-minute consult

No commitment. Most calls end with a clear yes-or-no on whether reverse is the right fit.

Open Calendly →
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