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For more than 25 years, Wave Crest Financial Group, Inc. has helped California homeowners make informed decisions about their most important asset — their home. Founded in 2001 and based in Orange County, we are a mortgage brokerage and real estate firm serving as reverse mortgage specialists for clients throughout California.
We treat every transaction as a human, personal experience — not just a business deal. Reverse mortgage and home-financing decisions affect families, retirement plans, and the house someone has lived in for decades.
You work directly with experienced professionals who take the time to understand your goals, explain options clearly, and stay with you from the first conversation through closing.
Our team's average experience exceeds 25 years in mortgage lending and real estate. That depth of knowledge matters when you are evaluating a Home Equity Conversion Mortgage (HECM) or another reverse-mortgage solution.
We know the products, the regulations, the paperwork, and — most important — the real-life questions families ask about cash flow, staying in the home, and protecting equity for heirs.
Over 98% of our clients refer someone they know to us. Personal service is not a slogan here — it is how we operate.
Our office is in Monarch Beach, California, and we work with homeowners across the state. You will speak with people who return calls and explain terms in plain language rather than industry jargon.
Terms explained the way a family would talk about them, not the way a lender would write them.
Accurate information and time to think it over. If a reverse mortgage is not the right fit, we will say so.
You work with experienced professionals from the first call, and you keep the same people through closing.
Cash flow, staying in the home, and what the decision means for heirs — covered before you sign anything.
Whether you are exploring a reverse mortgage to supplement retirement income, pay off an existing loan, cover healthcare costs, or simply gain more flexibility, our role is to give you accurate information and a process you can trust — from a firm that has been doing this work since 2001.
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