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Plain-language guides to reverse mortgages and retirement housing.

Written by the people who will answer your call. No sales pitch, just the questions we are asked most often, answered the way we answer them in person.

All guides
Reverse mortgages
Buying a home
Jumbo
Heirs & estate
Harbor at dusk with sailboats lit up on calm water
Reverse mortgages
·
7 min read

Reverse mortgage vs. HELOC: which one fits retirement?

Both borrow against your home. One requires monthly payments and can be frozen by the bank; the other does not. Here is how to decide.

Read the guide →

Latest guides

Brown pelicans gliding over the Pacific under a clear blue sky
Heirs & estate
·
6 min read

What happens to the home when I pass?

The most common question we hear. What heirs can do, the timeline they get, and why non-recourse protection matters.

September 4, 2026

Two-story home on a landscaped hillside lot
Reverse mortgages
·
5 min read

How much can I get from a reverse mortgage?

Age, home value, and interest rates set the number. A walk-through of the formula and a few real examples.

August 21, 2026

Single-story Spanish-style home with a tile roof at dusk
Buying a home
·
6 min read

Buying your next home with a HECM for Purchase

How to downsize or move closer to family without taking on a monthly mortgage payment.

August 7, 2026

Hilltop Spanish-style home with a gated, curving driveway
Jumbo
·
5 min read

When your home is worth more than the FHA limit

Many Orange County coastal homes exceed the HECM cap. What private jumbo reverse mortgages offer and what they give up.

July 24, 2026

Aerial view of a home tucked into a green hillside canyon
Heirs & estate
·
4 min read

Talking to your adult children about a reverse mortgage

Why we encourage families to join the first meeting, and the questions they usually ask.

July 10, 2026

Single-level home with a front lawn and palm trees
Buying a home
·
5 min read

Right-sizing in Dana Point: what to look for in a forever home

Single-level living, proximity to care, and resale. A checklist from our real estate side.

June 26, 2026

Hillside family home with a long driveway and tall cypress trees
Reverse mortgages
·
4 min read

Taxes, insurance, and upkeep: the obligations that remain

A reverse mortgage removes the monthly payment, not the responsibilities of owning a home. What to budget for.

June 12, 2026

Guides are for general education and are not financial, legal, or tax advice. This material is not from HUD or FHA and has not been approved by HUD or any government agency.

Have a question these guides did not answer?

Call us or send a note. We will give you a straight answer, including when a reverse mortgage is not the right fit.

(949) 487-3377Start a conversation
Wave Crest Financial Group

Questions?

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949-487-3377
Fax 866-516-5336
rringys@wavecrestfinancial.com

32932 Pacific Coast Highway, Suite 14-432
Monarch Beach, CA 92629

CA DRE 01178062 · NMLS 234449

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