Skip to main content

Oceanside Reverse Mortgages

Shop for the best deals for Oceanside, California reverse mortgages.

Find the best deal on reverse mortgages in Oceanside and San Diego County.

Call Today: (760) 334-6155

...or follow the steps below for your free evaluation and quote.

Mission San Luis Rey de Francia, Oceanside California
Mission San Luis Rey de Francia, Oceanside California - Wikimedia Commons

Oceanside Reverse Mortgage Lenders

Reverse Mortgage West focuses on meeting the needs of homeowners’ retirement and lifestyle needs. One way we can help accomplish that mission is with a reverse mortgage.

Our streamlined operations and unparalleled staff support help make the process of getting your reverse mortgage a smooth transition. Our staff brings a combined 40 years of experience in reverse mortgage lending. We serve the communities of Oceanside, Ivey Ranch, and Rancho Del Oro. 

In 2021, the median home value in Oceanside is $683,347.  Many homeowners in the area may choose to apply for a private jumbo reverse mortgage for properties above $822,375. Private reverse mortgages provide significantly more proceeds for eligible homeowners with higher-valued properties. 

$822,375 is the current maximum lending limit for FHA-insured reverse mortgages. This means with a federally-insured reverse mortgage in Oceanside (and nationally) the first $822,375 of one’s home value is considered in the calculation of the potential maximum reverse mortgage loan benefit. 

How many of your neighbors have done a reverse mortgage? Here are some interesting facts about reverse mortgages and the housing market in the greater Oceanside area.

La Mesa Reverse Mortgage Facts
Oceanside Reverse Mortgage Facts

In general, reverse mortgages calculate the maximum available loan benefit (before fees, costs, and lien payoffs) for qualified borrowers based on the home’s appraised value, the age of the youngest borrower, or named non-borrowing spouse, and the current/starting effective interest rate.

About Oceanside

Oceanside is an appropriate name for a city located on the beaches of North County San Diego. The community is nestled between Carlsbad and Camp Pendleton South. In 2020, the population of Oceanside was 175,710 making it the 29th largest city in California. Oceanside along with Vista, and Carlsbad forms the tri-city area.

Public beach access - Oceanside, California
Public beach access - Oceanside, California

Present-day Oceanside was originally populated by the Payomkawichum people. In 1769, the first European explorers arrived, along with Spanish Missionaries working under Father

Junípero Serra who established Mission San Luis Rey de Francia.

Andrew Jackson Myers is one of the more notable early settlers, who in 1882, lived in San Luis Rey. In the early 20th century, Oceanside became a popular vacation destination for it’s 6-mile stretch of beaches. Today, thanks to the establishment of Camp Pendleton in 1842, many military personnel call Oceanside their home.

Local Oceanside attractions and activities include the Oceanside Pier, Mission San Luis Rey, Harbor Beach, the California Surf Museum, and the Beach House Winery.

Contact your Oceanside, California and North County reverse mortgage lender today.

Owen Coyle and his team at Reverse Mortgage West are ready to answer any questions or concerns you may have about a reverse mortgage. It's important to get the facts first, discuss your unique goals and needs, and see how much you may be able to qualify for with a reverse mortgage.

Call Owen today at (760) 334-6155 to learn more or complete the steps here to get your free quote.